About $1,367 a year for full coverage on a national average — 5% less than the $1,438 average car. Insurers rate the Scion xD at an index of 95 where 100 is a typical vehicle, based on how often and how expensively these cars actually generate claims (latest data covers 2012-2014).
The premium isn't spread evenly across the Scion xD: Personal injury (PIP) — no-fault injury cover in some states — carries its highest loss index at 134, while Comprehensive sits at 66. Those 68 points are the real reason behind the price, and they are the part a quote form never shows you. Against what the car is worth the bill looks different again: a 2011 xD sells for a median $3,500, so a year of cover costs 39.1% of the car's value. Over 7 generations of data the index has fallen from 120 (2006-2008) to 95 (2012-2014). Calculated from 7 insurance-loss records and live US listing prices.
Why a xD costs what it does
Insurers don't price a car with one number — they track losses separately for each kind of cover. An index of 100 is the average vehicle, so anything above means this model generates costlier claims of that type:
Read it as «where the money goes». A high Collision figure means these cars are expensive to repair after a crash; a high Comprehensive figure points at theft, weather and vandalism instead. Estimated annual split at $1,367: Liability (BI + PD) $656 · Collision $383 · Comprehensive $164 · Other (UM / PIP) $164.
How it changed by generation
Insurance-loss index of the xD across every generation in the data. Newer isn't automatically cheaper — driver-assist systems cut crash frequency, while sensors and aluminium panels push repair bills up:
Each point averages every recorded variant of that generation. The xD has become cheaper to insure over time (-25 points).
What a xD costs by state
Where you park matters as much as what you drive. The xD's index applied to each state's average premium — the same car, the same cover, different postcode:
| State | xD est. / yr | vs national |
|---|---|---|
| Florida | +39% vs US | |
| Louisiana | +38% vs US | |
| New York | +32% vs US | |
| District of Columbia | +26% vs US | |
| Georgia | +21% vs US | |
| Texas | +20% vs US | |
| Wisconsin | -31% vs US | |
| Hawaii | -31% vs US | |
| Idaho | -32% vs US | |
| North Dakota | -33% vs US | |
| Vermont | -33% vs US | |
| Maine | -36% vs US |
Six priciest and six cheapest states shown. Figures are the state's average premium scaled by the Scion xD's loss index of 95 — your own quote also depends on age, record, deductible and ZIP.
Scion xD insurance — frequently asked
How much is insurance for a Scion xD?
About $1,367 a year for full coverage at the national average, versus $1,438 for a typical car. That's the model's insurance-loss index of 95 applied to the US average premium.
Why is the xD expensive or cheap to insure?
For the Scion xD the costliest area is Personal injury (PIP) at an index of 134, covering no-fault injury cover in some states — against 66 for its cheapest. Insurers set premiums from claim history like that, not from the sticker price — which is why the Scion xD lands at 95, not at what it costs new.
Is that a lot relative to the car's value?
A year of cover is 39.1% of what a 2011 xD sells for — $1,367 against a median price of $3,500. Cheap cars often show a higher percentage even when the dollar premium is lower, and at 39.1% the xD sits on the expensive side of that trade.
Where does this data come from?
Insurance-loss indices published for real vehicles, combined with NAIC state average premiums. It's claim history, not a quote engine — so it shows what these cars actually cost insurers rather than what one company would offer you.
Will my own quote match this?
Treat it as a baseline for the car itself. Your figure also moves with age, driving record, deductible, mileage and ZIP code — the same xD can differ by hundreds between two drivers.
How we work this out
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