Scion xD Insurance Rates

The average auto insurance rates for a Scion xD are $962 annually for full coverage insurance. Comprehensive insurance costs an estimated $134 each year, collision insurance costs $196, and liability insurance is $474. Buying just liability costs around $522 a year, and insurance for high-risk drivers costs $2,080 or more. 16-year-old drivers cost the most to insure at up to $3,956 a year.

Average premium for full coverage: $962

Policy rates broken down by type of insurance:

Price estimates include $500 policy deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and xD models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on the price of insurance. More rural locations are shown to have fewer physical damage claims than congested cities. The graphic below illustrates how location helps determine insurance prices.

The examples above illustrate why all drivers should compare rates quotes for a targeted area and their own personal driving habits, rather than relying on rate averages.

Use the form below to get customized rates for your location.

Additional Rate Details

The chart below illustrates average Scion xD insurance rates for other coverage scenarios.

• The best full coverage rate is $585
• Raising to $1,000 deductibles will save approximately $74 each year
• The estimated rate for a good driver age 40 who has $500 deductibles is $962
• Buying low deductibles costs an additional $142 a year
• Higher-risk drivers with multiple tickets or accidents could pay up to $2,080
• Policy cost with full coverage for a teen driver can cost as much as $3,956

View Chart as Image

Insurance rates for a Scion xD also range considerably based on the model year and trim level, your risk profile, and liability limits and deductibles.

More mature drivers with a clean driving record and high physical damage deductibles could pay as little as $900 every 12 months on average, or $75 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they can expect to pay at least $3,900 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are probably paying $1,200 to $1,700 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 43% to 139% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can reduce rates by up to $220 each year, whereas increasing liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $426 more per year. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Scion xD insurance rates. A middle-age driver might find rates as low as $630 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,300 on average in Florida, New York, and Michigan.

View Chart as Image

How to Buy Cheaper Scion xD Insurance

Finding cheaper rates on Scion xD insurance consists of being a good driver, having a good credit history, being claim-free, and deciding if full coverage is necessary. Invest time comparing rates at least once a year by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following list is a condensed summary of the primary concepts that were covered in the charts and tables above.

• It is possible to save approximately $110 per year just by quoting online in advance
• High-risk drivers with multiple at-fault accidents may pay on average $1,120 more annually than a safer driver
• Increasing comprehensive and collision deductibles could save up to $225 each year
• Drivers age 16 to 20 are charged the highest rates, possibly costing $330 each month including comprehensive and collision insurance