Scion xD Insurance Rates

The average insurance rates for a Scion xD are $962 a year including full coverage. Comprehensive insurance costs around $134 a year, 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 for type of insurance:

Rates are based on $500 policy deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and xD trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on the price of insurance. Areas with sparse population are shown to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion. The diagram below illustrates the difference between rural and urban areas on auto insurance rates.

The examples above highlight why it is important to compare prices for a specific zip code and risk profile, instead of using averaged prices.

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

More Rate Details

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

• The cheapest rate after discounts is $585
• Using higher $1,000 deductibles will save about $888 every year
• The average rate for a good driver age 40 using $500 deductibles is $962
• Selecting low $100 deductibles for physical damage coverage will cost an extra $142 every year
• Drivers with serious driving violations could pay at least $2,080
• Policy cost for full coverage for a teen driver can be $3,956 or more

View Chart as Image

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

Older drivers with a clean driving record and high deductibles may pay as little as $900 a year, or $75 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay as much as $3,900 a year. View Rates by Age

Your home state has a huge impact on Scion xD insurance prices. A driver around age 40 might see rates as low as $740 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,370 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $220 every year, while buying higher liability limits will increase rates. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $426 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying at least $1,200 to $1,700 extra every year, depending on your age. A high-risk auto insurance policy can be as much as 43% to 139% more than the average policy. View High Risk Driver Rates

How to Find the Best Cheap Scion xD Insurance

Finding cheaper rates on car insurance requires being a good driver, maintaining good credit, paying for small claims out-of-pocket, and dropping full coverage on older vehicles. Set aside time to compare rates at least every other year by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following list is a quick review of the car insurance concepts covered above.

• Higher risk drivers with a DUI or reckless driving violation pay on average $1,120 more every year than a safer driver
• You may be able to save up to $110 per year just by quoting early and online
• Increasing comprehensive and collision deductibles can save around $225 each year
• Policyholders who may need an increased level of liability coverage will pay approximately $520 per year to increase from a 30/60 limit to 250/500 limits