Scion xD Insurance Rates

The average insurance rates for a Scion xD are $962 a year for full coverage. Comprehensive costs an estimated $134 each year, collision insurance costs $196, and liability costs around $474. A liability-only policy costs as low as $522 a year, and high-risk insurance costs around $2,080. 16-year-old drivers 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:

Estimates include $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all states and xD models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on insurance rates. More rural locations are shown to have lower incidents of accident claims than congested cities. The graphic below illustrates how where you live affects insurance prices.

The examples above show why all drivers should compare prices for a targeted area, instead of using rate averages.

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

Rate Comparisons

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

• The best full coverage rate is $585
• Using higher $1,000 deductibles will save approximately $74 a year
• The estimated price for a good driver age 40 who has $500 deductibles is $962
• Buying low deductibles for physical damage coverage bumps up the cost to $1,104
• Drivers with multiple tickets or accidents could pay up to $2,080
• Policy cost that insures a teen driver can cost as much as $3,956 or more

View Chart as Image

Car insurance rates for a Scion xD also range considerably based on the trim level and model year, how you drive, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you could be paying $1,200 to $1,700 extra every year, depending on your age. Insurance for high-risk drivers can be as much as 43% to 139% more than the average rate. View High Risk Driver Rates

More mature drivers with no driving violations and higher comprehensive and collision deductibles may pay as little as $900 a year, or $75 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will be charged at least $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 $640 a year in states like Iowa, Maine, and Idaho, or at least $1,370 on average in New York, Louisiana, and Michigan.

View Chart as Image

Opting for high physical damage deductibles could cut rates by as much as $220 every year, whereas increasing liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

How to Find Low Cost Scion xD Insurance

Finding cheaper rates on car insurance requires being a low-risk driver, having a positive credit history, avoid buying unnecessary coverage, and possibly higher deductibles. Comparison shop every other policy renewal by requesting quotes from direct carriers, and also from your local independent and exclusive agents.

The items below are a review of the ideas that were touched on in the above illustrations.

• Teen drivers have the highest car insurance rates, costing up to $330 each month if full coverage is purchased
• Higher risk drivers who have several accidents or serious violations may pay on average $1,120 more annually to insure their xD
• Increasing comprehensive and collision deductibles can save approximately $225 each year
• Drivers can save approximately $110 per year just by quoting online in advance