Scion xD Insurance Rates

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

Average premium for full coverage: $962

Premium estimates by type of coverage:

Includes $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all states and xD models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can have significant affects on car insurance rates. Rural areas are statistically proven to have a lower frequency of accident claims than densely populated cities. The graphic below illustrates the effect of geographic area on car insurance rates.

These rate differences show why all drivers should get quotes based on a specific location and risk profile, instead of using average rates.

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

Detailed Rate Analysis

The chart below shows average Scion xD insurance rates for different risk profiles and scenarios.

• The best discount rate is $585
• Choosing higher $1,000 deductibles can save around $74 a year
• The average rate for a 40-year-old good driver with $500 deductibles is $962
• Using low deductibles for comp and collision coverage will cost an extra $142 every year
• Unlucky drivers who are prone to accidents and violations could pay upwards of $2,080
• An auto insurance policy for full coverage for a teen driver may cost $3,956 each year

View Chart as Image

Auto insurance prices for a Scion xD also have a wide range based on your driving characteristics, the trim level of your xD, and policy deductibles and limits.

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

Where you choose to live plays a big part in determining prices for Scion xD insurance prices. A good driver about age 40 could pay as low as $640 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,370 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles can save as much as $220 every year, whereas increasing liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost up to $426 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you could be paying at a minimum $1,200 to $1,700 in extra premium annually, depending on your age. Insurance for high-risk drivers ranges as much as 43% to 139% more than a normal policy. View High Risk Driver Rates

How to Find the Cheapest Scion xD Insurance

Finding better rates on car insurance takes having a decent driving record, having good credit, not filing small claims, and deciding if full coverage is necessary. Take the time to compare rates every other policy renewal by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from your local insurance agents.

The following items are a recap of the ideas that were covered in the above illustrations.

• 16 to 18-year-old drivers are charged the highest prices, as much as $330 per month if they have full coverage
• Higher risk drivers that have major violations or accidents will pay on average $1,120 more each year than a driver with a clean driving record
• Increasing policy deductibles can save around $225 each year
• Drivers can save as much as $110 per year just by quoting online in advance