Scion xD Insurance Rates

The average insurance rates for a Scion xD are $962 a year for full coverage insurance. Comprehensive insurance costs on average $134 a year, collision insurance costs $196, and liability is estimated at $474. Liability-only coverage costs approximately $522 a year, and high-risk coverage costs $2,080 or more. Teens 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 policy deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 states and xD trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on insurance rates. Rural areas are shown to have lower incidents of physical damage claims than cities with more traffic congestion. The diagram below illustrates the difference between rural and urban areas on car insurance rates.

The examples above illustrate why it is important to get quotes based on a specific location, instead of making a decision based on averaged prices.

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

Rate Comparisons

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

• The cheapest rate after discounts is $585
• Choosing higher $1,000 deductibles can save around $888 each year
• The estimated price for a good driver age 40 with $500 deductibles is $962
• Selecting low $100 deductibles for comp and collision coverage will cost an additional $142 annually
• Higher-risk drivers with serious driving violations could pay upwards of $2,080
• Policy cost that insures a 16-year-old driver may cost $3,956 each year

View Chart as Image

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

If you have a few points on your driving record or you caused an accident, you are probably paying at a minimum $1,200 to $1,700 additional every year, depending on your age. A high-risk auto insurance policy ranges from 43% to 139% more than the average policy. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $900 annually on average, or $75 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay upwards of $3,900 a year. View Rates by Age

Your home state plays a big part in determining prices for Scion xD insurance prices. A good driver about age 40 could pay as low as $630 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,300 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $220 annually, while buying higher liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $426 more each year. View Rates by Deductible or Liability Limit

How to Find Cheaper Scion xD Insurance

Finding cheaper rates on insurance for a Scion xD takes being safe and accident-free, having a good credit score, being claim-free, and dropping full coverage on older vehicles. Compare rates at every policy renewal by getting rate quotes from direct insurance companies, and also from your local independent and exclusive agents.

Below you'll find a condensed summary of the data covered above.

• Insureds who require more liability protection will pay approximately $520 annually to raise limits from a 30/60 limit to the 250/500 level
• It is possible to save as much as $110 per year just by quoting early and online
• Increasing comprehensive and collision deductibles can save approximately $225 each year
• Youthful drivers pay higher rates, possibly costing $330 each month if comprehensive and collision insurance is included