2013 Scion xD Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
UPDATED: Feb 28, 2020
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
Average insurance rates for a 2013 Scion xD are $1,114 a year with full coverage. Comprehensive insurance costs approximately $180, collision insurance costs $316, and liability costs $460. Buying a liability-only policy costs as little as $510 a year, and high-risk insurance costs $2,420 or more. Teen drivers receive the highest rates at up to $4,434 a year.
Annual premium for full coverage: $1,114
Rate estimates for 2013 Scion xD Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2013 Scion xD models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.
Price Range by Coverage and Risk
For a driver in their 40's, prices range range from as low as $510 for the bare minimum liability coverage to a much higher rate of $2,420 for a driver who has had serious violations or accidents.
These differences demonstrate why anyone shopping for car insurance should compare rates using their specific location and risk profile, instead of using price averages.
Use the form below to get rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Recommended Companies for Cheap 2013 Scion xD Insurance
Trying to find the cheapest auto insurance rates for your Scion xD? Are you tired of paying out the nose each month for car insurance? Your situation is no different than the majority of other car owners. There is such a variety of insurance companies to purchase coverage from, and although it’s a good thing to have a selection, it makes it harder to find the best rates.
Finding the best rates is not rocket science. If you have a current car insurance policy or need new coverage, you can use this information to get lower rates while maximizing coverage. Consumers just need to know the most effective way to shop their coverage around online.
Finding Car Insurance Deals
Shopping for lower car insurance rates is a ton of work if you don’t know the fastest way to get free quotes. You can waste hours discussing policy coverages with agents in your area, or you could use the web to get prices fast.
The majority of car insurance companies enroll in a system that enables customers to submit one quote, and at least one company returns a rated price based on the submitted data. This saves time by eliminating repetitive form submissions to each individual car insurance company. To find out what other companies charge for 2013 Scion xD insurance click here to open in new window.
The single downside to using this type of system is buyers cannot specifically choose the companies you will receive quotes from. So if you want to select specific providers for rate comparison, we have assembled a list of companies who write car insurance in your area. Click here for list of insurance companies.
However you get your quotes, make absolute certain that you use apples-to-apples coverage limits and deductibles on every quote. If you compare different limits and deductibles on each one you will not be able to truly determine the lowest rate.
How much can you save with these nine discounts?
Companies offering auto insurance do not list all their discounts very well, so here is a list both the well known and the harder-to-find insurance coverage savings. If you don’t get every credit you deserve, you are throwing money away.
- Low Mileage Discounts – Keeping the miles down on your Scion can qualify you for a substantially lower rate.
- Federal Government Employee – Being employed by or retired from a federal job can save as much as 8% for xD coverage with certain companies.
- Good Students Pay Less – A discount for being a good student can get you a discount of up to 25%. The good student discount can last well after school through age 25.
- Sign Early and Save – Some insurance companies reward drivers for buying a policy prior to your current policy expiration. It can save you around 10%.
- Life Insurance Discount – Companies who offer life insurance give better rates if you take out auto and life insurance together.
- College Student – Youth drivers living away from home attending college and do not have a car may qualify for this discount.
- Accident Forgiveness – Certain companies will allow you to have one accident before raising your premiums so long as you haven’t had any claims for a set time period.
- Military Discounts – Having a family member in the military may qualify for rate reductions.
- Anti-lock Brakes – Vehicles equipped with ABS or steering control can reduce accidents and qualify for as much as a 10% discount.
Consumers should know that most discounts do not apply to the entire policy premium. Most only apply to individual premiums such as comp or med pay. Even though it may seem like adding up those discounts means a free policy, it just doesn’t work that way.
To see a list of insurers who offer insurance coverage discounts, click here to view.
Free Auto Insurance Comparison
Enter your zip code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
How much car insurance do I need?
When buying proper insurance coverage, there is no one size fits all plan. Your needs are not the same as everyone else’s so your insurance needs to address that. Here are some questions about coverages that may help you determine if your situation would benefit from an agent’s advice.
- Is my Scion xD covered if I use it for business?
- Am I covered by my employer’s commercial auto policy when driving my personal car for business?
- Is business equipment covered while in my vehicle?
- How much can I save by bundling my policies?
- Should I buy only the required minimum liability coverage?
- If I drive on a suspended license am I covered?
- Does my car insurance cover rental cars?
- Do I need PIP (personal injury protection) coverage in my state?
- What discounts do I qualify for?
- Does my insurance cover my expensive audio equipment?
If you can’t answer these questions but a few of them apply then you might want to talk to a licensed insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area. It is quick, free and may give you better protection.
Insurance policy specifics
Having a good grasp of your insurance policy can help you determine appropriate coverage for your vehicles. The terms used in a policy can be ambiguous and reading a policy is terribly boring. Listed below are typical coverage types found on the average insurance policy.
This protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your Scion xD.
Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.
Medical costs insurance
Medical payments and Personal Injury Protection insurance pay for immediate expenses for things like ambulance fees, pain medications, doctor visits, dental work and rehabilitation expenses. The coverages can be utilized in addition to your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage
Collision coverage protection
This coverage covers damage to your xD from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.
Collision coverage pays for claims such as scraping a guard rail, hitting a mailbox, crashing into a ditch, sustaining damage from a pot hole and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Another option is to choose a higher deductible to bring the cost down.
This protects you from damage that occurs to other people or property that is your fault. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 100/300/100 that means you have a $100,000 limit per person for injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.
Liability insurance covers things like funeral expenses, medical services, loss of income and repair bills for other people’s vehicles. How much coverage you buy is a personal decision, but consider buying higher limits if possible.
Comprehensive or Other Than Collision
Comprehensive insurance pays for damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against things such as fire damage, damage from getting keyed, hitting a deer and a broken windshield. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.
Quote often and quote early
You just learned many ways to save on 2013 Scion xD insurance. The most important thing to understand is the more rate quotes you have, the better your comparison will be. You may be surprised to find that the best price on insurance is with an unexpected company. These smaller insurers may often insure only within specific states and give getter rates compared to the large companies like Progressive and GEICO.
When trying to cut insurance costs, never skimp on coverage in order to save money. Too many times, an insured dropped comprehensive coverage or liability limits only to find out that the savings was not a smart move. Your focus should be to purchase a proper amount of coverage at an affordable rate while still protecting your assets.
For more information, feel free to browse the resources below:
- How Can I Save Money on Auto Insurance? (Insurance Information Insitute)
- Car Insurance for Teen Drivers with Divorced Parents (Allstate)
- Tools for Teen Driving Safety (State Farm)
- Car Insurance: When not to Skimp (BankRate.com)
- Vehicle Safety Ratings (iihs.org)
- Understanding Limits and Deductibles (Allstate)
Rates by U.S. City
|New York City, NY||$1,764|
|Los Angeles, CA||$1,905|
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$74|
|5-yr Claim Free||$71|
|Paid in Full/EFT||$44|
Discounts are estimated and may not be available from every company or in every state.