Scion xD Insurance Rates

The average insurance prices for a Scion xD are $962 every 12 months including full coverage. Comprehensive costs an estimated $134 each year, collision insurance costs $196, and liability is $474. Liability-only coverage costs around $522 a year, and high-risk coverage costs around $2,080. Teens 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 physical damage deductibles, 30/60 liability coverage, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and xD models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on the price of auto insurance. More rural locations are shown to have more infrequent comprehensive and collision claims than cities with more traffic congestion. The graphic below illustrates how location impacts insurance prices.

The examples above highlight why all drivers should compare rates quotes for a targeted area and their own driving history, instead of using averaged prices.

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

Detailed Rate Analysis

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

• The cheapest rate after discounts is $585
• Raising to $1,000 deductibles will save approximately $74 every year
• The average price for a good driver age 40 who has $500 deductibles is $962
• Selecting low deductibles increases the price to $1,104
• At-risk drivers with serious driving violations could pay up to $2,080
• Policy cost to insure 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 liability limits and deductibles, your driving characteristics, and the model year and trim level.

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $220 every year, whereas increasing liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $426 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles may pay as little as $900 every 12 months on average, or $75 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared 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 likely paying $1,200 to $1,700 additional every year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 43% to 139% more than the average policy. View High Risk Driver Rates

Your home state also has a big influence on Scion xD insurance prices. A middle-age driver might find rates as low as $740 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,370 on average in Louisiana, New York, and Michigan.

View Chart as Image

How to Shop for Cheaper Scion xD Insurance

Finding cheaper rates on car insurance consists of being a safe and courteous driver, having above-average credit, paying for small claims out-of-pocket, and possibly raising deductibles. Spend time shopping around every year by getting quotes from direct car insurance companies, and also from local insurance agencies.

Below is a condensed summary of the coverage data touched on above.

• You may be able to save approximately $110 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles could save as much as $225 each year
• Teenage drivers are expensive to insure, with premiums being up to $330 each month if full coverage is included
• Higher risk drivers with multiple at-fault accidents may have to pay on average $1,120 more annually for auto insurance