Scion xD Insurance Rates

Average insurance prices for a Scion xD are $962 every 12 months with full coverage. Comprehensive costs on average $134 a year, 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 around $2,080. 16-year-old drivers receive the highest rates at up to $3,956 a year.

Average premium for full coverage: $962

Rate estimates by individual coverage type:

Prices are based on $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes medical and uninsured motorist coverage. Rates are averaged for all U.S. states and xD trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can have significant affects on auto insurance rates. Rural areas tend to have more infrequent collision claims than congested cities. The diagram below illustrates how location impacts car insurance rates.

These examples demonstrate why it is important to get quotes based on a specific location and their own driving history, instead of using rate averages.

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

Detailed Rate Analysis

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

• The best full coverage rate is $585
• Choosing higher $1,000 deductibles can save around $888 annually
• The average price for a 40-year-old driver with $500 deductibles is $962
• Buying low $100 deductibles for comp and collision coverage increases the price to $1,104
• Unlucky drivers with multiple tickets or accidents could pay upwards of $2,080
• The cost to insure a teen driver may cost $3,956 each year

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Auto insurance rates for a Scion xD can also vary considerably based on policy deductibles and limits, your driving record, and the trim level of your xD.

Opting for high physical damage deductibles can save as much as $220 every year, while buying higher liability limits will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $426 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles may pay as little as $900 annually on average for full coverage. Rates are highest for teen drivers, since even excellent drivers will have to pay upwards of $3,900 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you may be forking out at a minimum $1,200 to $1,700 in extra premium per year, depending on your age. A high-risk auto insurance policy ranges as much as 43% to 139% more than the average rate. View High Risk Driver Rates

Where you live plays a big part in determining prices for Scion xD insurance prices. A good driver about age 40 could pay as low as $690 a year in states like New Hampshire, Ohio, and Utah, or at least $1,300 on average in Florida, Michigan, and New York.

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How to Shop for Affordable Scion xD Insurance

Saving money on car insurance takes having a decent driving record, having a good credit score, eliminating unnecessary coverage, and deciding if full coverage is necessary. Spend time shopping around every year by quoting rates from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The following items are a brief review of the coverage data touched on above.

• You may be able to save as much as $110 per year just by quoting early and online
• Increasing deductibles could save as much as $225 each year
• 16 to 18-year-old drivers are charged the highest rates, with premiums as much as $330 per month if comprehensive and collision insurance is included
• Higher risk drivers with DUI or reckless driving convictions may pay on average $1,120 more each year than a driver with a clean driving record