Scion xD Insurance Rates

The 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 costs $474. Liability-only insurance costs as little as $522 a year, and high-risk driver insurance 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 broken down by type of insurance:

These estimates include $500 deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all U.S. states and xD models.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on car insurance rates. More rural locations are shown to have a lower frequency of collision claims than cities with more traffic congestion. The graphic below illustrates how location helps determine insurance prices.

The examples above demonstrate why all drivers should compare rates for a targeted area and risk profile, instead of using averaged prices.

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

Additional Charts and Tables

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

• The cheapest rate after discounts is $585
• Drivers who choose higher $1,000 deductibles will pay approximately $74 annually
• The average rate for a good driver age 40 who has $500 deductibles is $962
• Selecting low deductibles for comprehensive and collision insurance will cost an extra $142 every year
• Higher-risk drivers with serious driving violations could pay up to $2,080
• Policy cost for full coverage for a teen driver can cost as much as $3,956 a year

View Chart as Image

Auto insurance rates for a Scion xD also range considerably based on your risk profile, the trim level and model year, and liability limits and deductibles.

More mature drivers with a good driving record and high deductibles may pay as little as $900 per year on average, or $75 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay at least $3,900 a year. View Rates by Age

Your home state makes a big difference in Scion xD insurance prices. A 40-year-old driver could pay as low as $690 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,300 on average in New York, Michigan, and Florida.

View Chart as Image

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

If you have a few points on your driving record or tend to cause accidents, you may be forking out $1,200 to $1,700 in extra premium every year, depending on your age. Insurance for high-risk drivers can cost as much as 43% to 139% more than the average policy. View High Risk Driver Rates

How to Find Cheap Scion xD Insurance

Finding cheaper rates on car insurance not only requires not taking risks behind the wheel, but also having good credit, not filing small claims, and consideration of higher deductibles. Invest time comparing rates at least every other year by obtaining price quotes from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The following is a brief summary of the car insurance concepts covered in the charts and tables above.

• Higher risk drivers that tend to have accidents or serious violations may pay on average $1,120 more annually for xD insurance
• You may be able to save approximately $110 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles can save around $225 each year
• Policyholders who want higher liability limits will pay approximately $520 every year to go from a 30/60 limit to 250/500 limits