Scion xD Insurance Rates

The average insurance prices for a Scion xD are $962 every 12 months for full coverage. Comprehensive insurance costs approximately $134, collision insurance costs $196, and liability costs around $474. Buying just liability costs as low as $522 a year, and insurance for high-risk drivers 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 comprehensive and collision deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all states and for all xD models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on car insurance rates. Rural locations are shown to have more infrequent accident claims than cities with more traffic congestion. The example below illustrates the effect of geographic area on auto insurance prices.

The examples above show why everyone should compare prices using their specific location and their own driving history, instead of making a decision based on averaged prices.

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

Detailed Rate Analysis

The chart below shows average Scion xD insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $585
• Using higher $1,000 deductibles will save $74 a year
• The average price for a good driver age 40 who chooses $500 deductibles is $962
• Selecting pricier low deductibles for physical damage coverage costs an extra $142 annually
• High-risk insureds with serious driving violations could pay around $2,080
• Policy cost to insure a 16-year-old driver for full coverage can cost $3,956 or more

View Chart as Image

Insurance rates for a Scion xD also range considerably based on liability limits and deductibles, your driver profile, and the model of your xD.

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $220 annually, whereas buying more liability protection will push rates upward. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $426 more per year. View Rates by Deductible or Liability Limit

A more mature driver with a clean driving record and higher deductibles may pay as low as $900 a year, or $75 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect to pay in the ballpark of $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 could be paying anywhere from $1,200 to $1,700 extra every year, depending on your age. Scion xD insurance for high-risk drivers can be from 43% to 139% more than the average policy. 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 $640 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,370 on average in New York, Louisiana, and Michigan.

View Chart as Image

How to Shop for Cheaper Scion xD Insurance

Finding cheaper rates on insurance for a Scion xD requires avoiding accidents and violations, having good credit, avoid buying unnecessary coverage, and possibly raising deductibles. Take the time to compare rates at least every other year by requesting quotes from direct carriers, and also from your local independent and exclusive agents.

The list below is a condensed summary of the car insurance concepts covered in the above illustrations.

• Drivers considered higher risk with multiple at-fault accidents may pay on average $1,120 more per year for car insurance
• Drivers can save around $110 per year just by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles could save as much as $225 each year
• Insureds who purchase higher liability limits will pay approximately $520 each year to increase from a 30/60 limit to a 250/500 level