Scion xD Insurance Rates

The average auto insurance rates for a Scion xD are $962 annually with full coverage. Comprehensive costs on average $134 each year, collision insurance costs $196, and liability costs around $474. Buying just liability costs as low as $522 a year, and insurance for high-risk drivers costs around $2,080. Teenage drivers cost the most to insure at up to $3,956 a year.

Average premium for full coverage: $962

Policy rates by type of insurance:

Price estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all U.S. states and xD models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on auto insurance rates. Rural areas are shown to have fewer collision claims than densely populated cities. The graphic below illustrates how location impacts car insurance rates.

The examples above demonstrate why all drivers should compare prices based on a specific location and their own personal driving habits, instead of using average rates.

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

Additional Rate Information

The chart below details average Scion xD insurance rates for different risk profiles and scenarios.

• The best discount rate is $585
• Using higher $1,000 deductibles will save around $74 annually
• The estimated rate for a good driver age 40 with $500 deductibles is $962
• Using low deductibles for physical damage coverage will cost $1,104
• Drivers who are prone to accidents and violations could pay upwards of $2,080
• Policy cost with full coverage for a teen driver may cost $3,956 or more

View Chart as Image

Insurance rates for a Scion xD also range considerably based on the model year and trim level, your driving record, and policy deductibles and limits.

More mature drivers with a clean driving record and high physical damage deductibles may pay as little as $900 a year, or $75 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they can expect to pay upwards of $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 may be forking out at a minimum $1,200 to $1,700 extra every year, depending on your age. Insurance for high-risk drivers can be as much as 43% to 139% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut rates by as much as $220 every year, whereas increasing liability limits will cost you more. Moving 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 has a huge impact on Scion xD insurance prices. A driver around age 40 might see rates as low as $690 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,300 on average in Florida, Michigan, and New York.

View Chart as Image

How to Buy Cheaper Scion xD Insurance

Finding cheaper rates on car insurance requires avoiding accidents and violations, having a good credit history, not filing small claims, and determing if full coverage is necessary. Spend time shopping around at least once a year by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The list below is a condensed summary of the primary concepts that were touched on above.

• You may be able to save as much as $110 per year just by quoting online in advance
• Higher risk drivers with multiple at-fault accidents pay an average of $1,120 more each year for car insurance
• Increasing comprehensive and collision deductibles could save up to $225 each year
• Teenagers pay the highest rates, as much as $330 each month including comprehensive and collision insurance