Scion xD Insurance Rates

The average insurance prices for a Scion xD are $962 every 12 months for full coverage insurance. Comprehensive costs an estimated $134 a year, collision insurance costs $196, and liability costs around $474. Liability-only insurance costs as low as $522 a year, and high-risk driver insurance costs around $2,080. 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:

Rate estimates include $500 deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all 50 states and xD trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on the price of insurance. More rural locations are shown to have more infrequent physical damage claims than congested cities. The diagram below illustrates how where you live affects insurance prices.

The examples above illustrate why it is important to compare prices for a targeted area and their own driving history, instead of making a decision based on rate averages.

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

Rates by State, City, and Model

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

• The best full coverage rate is $585
• Using higher $1,000 deductibles will save approximately $888 each year
• The average price for a good driver age 40 who has $500 deductibles is $962
• Buying low $100 deductibles for physical damage coverage increases the price to $1,104
• High-risk insureds with multiple tickets or accidents could pay up to $2,080
• Policy cost to insure a 16-year-old driver can cost as much as $3,956 or more

View Chart as Image

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

Opting for high physical damage deductibles could cut rates by as much as $220 annually, while buying higher liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $426 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles may pay as low as $900 a year, or $75 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will have to pay at least $3,900 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying $1,200 to $1,700 in extra premium every year, depending on your age. A high-risk auto insurance policy can be from 43% to 139% more than the average rate. View High Risk Driver Rates

Your home state has a huge impact on Scion xD insurance prices. A driver around age 40 might see 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 Shop for the Best Scion xD Insurance

Finding cheaper rates on insurance for a Scion xD requires not taking risks behind the wheel, having a good credit score, being claim-free, and consideration of higher deductibles. Take the time to comparison shop at every other renewal by getting quotes from direct insurance companies, and also from insurance agencies where you live.

The following is a brief recap of the concepts that were touched on in the above illustrations.

• Drivers considered higher risk who tend to receive serious violations could be forced to pay on average $1,120 more annually for xD insurance
• Teens are the costliest to insure, possibly costing $330 each month if comprehensive and collision insurance is included
• It is possible to save approximately $110 per year just by quoting early and online
• Increasing comprehensive and collision deductibles could save as much as $225 each year
• It is possible to save approximately $110 per year just by quoting early and online