Scion xD Insurance Rates

The average insurance prices for a Scion xD are $994 every 12 months with full coverage. Comprehensive costs around $144, collision insurance costs $214, and liability coverage costs $478. Liability-only insurance costs as little as $526 a year, and high-risk driver insurance costs around $2,150. 16-year-old drivers cost the most to insure at up to $4,062 a year.

Average premium for full coverage: $994

Policy rates for type of insurance:

Price estimates include $500 policy deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and for all xD models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on insurance rates. Areas with sparse population are shown to have more infrequent collision claims than congested cities. The example below illustrates the effect of geographic area on auto insurance rates.

The examples above demonstrate why everyone should compare rates for a specific zip code and their own driving history, rather than using rate averages.

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

Additional Rate Analysis

The chart below details average Scion xD insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $600
• Drivers who choose higher $1,000 deductibles will pay about $82 annually
• The average price for a good driver age 40 using $500 deductibles is $994
• Buying pricier low deductibles for comprehensive and collision insurance increases the price to $1,150
• High-risk insureds with multiple tickets or accidents could pay at least $2,150
• Policy cost to insure a teenage driver for full coverage can be $4,062 a year

View Chart as Image

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

Opting for high physical damage deductibles could save up to $240 a year, whereas buying more liability protection will increase rates. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $430 extra every year. View Rates by Deductible or Liability Limit

A more mature driver with a good driving record and higher deductibles may only pay around $900 per year on average, or $75 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will have to pay as much as $4,000 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out at least $1,200 to $1,700 in extra premium every year, depending on your age. Scion xD insurance for high-risk drivers can cost around 42% to 134% more than the average rate. View High Risk Driver Rates

Your home state makes a big difference in Scion xD insurance rates. A 40-year-old driver could pay as low as $720 a year in states like New Hampshire, Ohio, and Utah, or at least $1,340 on average in Florida, Michigan, and New York.

View Chart as Image

How to Shop for Cheaper Scion xD Insurance

Finding cheaper rates on auto insurance not only requires being a good driver, but also having a good credit score, not filing small claims, and possibly raising deductibles. Take the time to compare rates every year by requesting quotes from direct companies, and also from several local insurance agents.

The following list is a condensed summary of the coverage data covered in the above illustrations.

• You may be able to save up to $110 per year just by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles could save as much as $250 each year
• Drivers age 16 to 20 are expensive to insure, as much as $339 each month if comprehensive and collision insurance is included
• Drivers with multiple at-fault accidents pay on average $1,160 more every year than a safer driver