Scion xD Insurance Rates

The average insurance rates for a Scion xD are $962 a year with full coverage. Comprehensive costs around $134 each year, collision insurance costs $196, and liability costs $474. A liability-only policy costs as little as $522 a year, and high-risk insurance costs around $2,080. Teens cost the most to insure at up to $3,956 a year.

Average premium for full coverage: $962

Policy rates for type of insurance:

Rate estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and xD models.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on insurance rates. Areas with sparse population are shown to have a lower frequency of collision claims than cities with more traffic congestion. The graphic below illustrates how geographic area affects auto insurance rates.

The examples above demonstrate why all drivers should compare rates for a specific zip code and risk profile, instead of making a decision based on averaged prices.

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

Additional Rate Details

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

• The cheapest rate after discounts is $585
• Drivers who choose higher $1,000 deductibles will pay about $74 annually
• The average rate for a good driver age 40 using $500 deductibles is $962
• Selecting low deductibles for comprehensive and collision insurance will increase the cost to $1,104
• Drivers with serious driving violations could pay at least $2,080
• Policy cost for full coverage for a 16-year-old driver can be $3,956 a year

View Chart as Image

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

More mature drivers with no driving violations and high deductibles may pay as low as $900 per year on average, or $75 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged as much as $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 New Hampshire, Ohio, and Utah, or have to pay at least $1,300 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $220 annually, whereas increasing liability limits will increase rates. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $426 extra every 12 months. 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 at least $1,200 to $1,700 extra every year, depending on your age. Insurance for high-risk drivers can cost from 43% to 139% more than the average policy. View High Risk Driver Rates

How to Find the Best Scion xD Insurance

Finding cheaper rates on insurance for a Scion xD not only requires having a decent driving record, but also having above-average credit, not filing small claims, and consideration of higher deductibles. Invest the time to compare rates at least once a year by obtaining price quotes from direct companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The following items are a brief recap of the primary concepts that were presented in the illustrations above.

• You may be able to save up to $110 per year just by quoting online in advance
• Drivers considered higher risk who tend to receive serious violations pay an average of $1,120 more every year than a driver with a clean driving record
• Increasing comprehensive and collision deductibles can save around $225 each year
• 16 to 18-year-old drivers are the costliest to insure, as much as $330 each month if full coverage is included