Scion xD Insurance Rates

The average insurance rates for a Scion xD are $962 a year for full coverage. Comprehensive insurance costs on average $134, collision insurance costs $196, and liability is estimated at $474. Buying just liability costs approximately $522 a year, and insurance for high-risk drivers costs $2,080 or more. 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 deductible amounts, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Prices are averaged for all states and for all xD models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on car insurance rates. Rural areas are shown to have a lower frequency of accident claims than densely populated cities. The example below illustrates the difference between rural and urban areas on car insurance rates.

The examples above show why everyone should get quotes based on a specific location and risk profile, instead of making a decision based on average rates.

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

More Rate Information

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

• The best discount rate is $585
• Choosing higher $1,000 deductibles can save around $74 a year
• The average rate for a good driver age 40 with $500 deductibles is $962
• Using pricier low deductibles for comp and collision coverage will cost an extra $142 annually
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,080
• Policy cost for full coverage for a 16-year-old driver for full coverage may cost $3,956 each year

View Chart as Image

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

A more mature driver with a clean driving record and high deductibles may pay as low as $900 annually on average, or $75 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect 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 $640 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,370 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles can save as much as $220 annually, whereas buying more liability protection will cost you more. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $426 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying at a minimum $1,200 to $1,700 extra every year, depending on your age. Scion xD insurance for high-risk drivers ranges from 43% to 139% more than a normal policy. View High Risk Driver Rates

How to Find Cheaper Scion xD Insurance

Finding cheaper rates on insurance for a Scion xD takes having a good driving record, maintaining good credit, avoid buying unnecessary coverage, and determing if full coverage is necessary. Set aside time to compare rates every year by requesting rates from direct carriers like GEICO, Progressive, and Esurance, and also from your local insurance agents.

The next list is a condensed summary of the coverage data covered above.

• Drivers can save as much as $110 per year just by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save around $225 each year
• Drivers age 20 and younger pay the highest rates, costing up to $330 each month for full coverage
• Drivers considered higher risk with multiple at-fault accidents will pay on average $1,120 more each year to buy Scion xD insurance