Scion xD Insurance Rates

U.S. average insurance rates for a Scion xD are $962 a year with full coverage. Comprehensive insurance costs an estimated $134 each year, collision insurance costs $196, and liability is estimated at $474. A policy with just liability insurance costs approximately $522 a year, and coverage for high-risk drivers costs $2,080 or more. Teenage drivers pay the highest rates at up to $3,956 a year.

Average premium for full coverage: $962

Price estimates broken down by individual coverage:

Full coverage includes $500 physical damage insurance deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all U.S. states and xD models.

Price Range from Low to High

Geographic Price Range

Living in a larger city can make a big difference on car insurance rates. More rural locations have lower incidents of collision claims than densely populated cities. The graphic below illustrates how geographic area affects insurance prices.

The ranges above demonstrate why all drivers should get quotes for a targeted area, instead of making a decision based on average rates.

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

Additional Rate Details

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

• The best discount rate is $585
• Choosing higher $1,000 deductibles can save approximately $74 annually
• The estimated price for the average middle-age driver who has $500 deductibles is $962
• Using low deductibles for comp and collision coverage will cost an additional $142 annually
• Higher-risk drivers who are prone to accidents and violations could pay up to $2,080
• The price that insures a 16-year-old driver can cost as much as $3,956 each year

View Chart as Image

Insurance prices for a Scion xD are also quite variable based on the trim level and model year, your age and driving habits, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you may be forking out $1,200 to $1,700 extra each year, depending on your age. Insurance for high-risk drivers ranges from 43% to 139% more than a normal policy. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may pay as low as $900 annually on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay at least $3,900 a year. View Rates by Age

The state you live in 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 Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,300 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles can save as much as $220 annually, whereas increasing liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $426 more per year. View Rates by Deductible or Liability Limit

How to Find More Affordable Scion xD Insurance

Getting lower rates on insurance for a Scion xD takes being a low-risk driver, having above-average credit, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Compare prices every couple of years by requesting rates from direct companies, and also from insurance agencies where you live.

The items below are a summary of the material that was presented in the illustrations above.

• Insureds who want more liability coverage will pay an extra $520 every year to raise limits from a low limit to the 250/500 level
• Teen drivers are charged the highest prices, costing up to $330 a month if full coverage is included
• Drivers considered higher risk who have multiple accidents or major violations could be forced to pay on average $1,120 more annually to insure their xD
• Increasing physical damage deductibles can save approximately $225 each year