Scion xD Insurance Rates

The average insurance rates for a Scion xD are $962 a year with full coverage. Comprehensive insurance costs approximately $134 each year, collision insurance costs $196, and liability costs $474. Buying just liability costs as little as $522 a year, and insurance for high-risk drivers costs $2,080 or more. Teenage drivers cost the most to insure at up to $3,956 a year.

Average premium for full coverage: $962

Policy rates by type of insurance:

Full coverage includes $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Prices are averaged for all U.S. states and xD models.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on the price of insurance. Rural locations are shown to have lower incidents of collision claims than densely populated cities. The graphic below illustrates how location helps determine auto insurance prices.

The examples above demonstrate why all drivers should compare rates using their specific location, instead of using average rates.

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

Rate Comparisons

The chart below details average Scion xD insurance rates for additional coverage and risk scenarios.

• The best discount rate is $585
• Drivers who choose higher $1,000 deductibles will pay $74 annually
• The estimated price for a good driver age 40 who chooses $500 deductibles is $962
• Using low deductibles for comprehensive and collision insurance will cost an additional $142 every year
• Higher-risk drivers who are prone to accidents and violations could pay around $2,080
• Policy cost that insures a teen driver can cost $3,956 a year

View Chart as Image

Insurance rates for a Scion xD also range considerably based on the trim level and model year, your age and driving habits, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you may be forking out anywhere from $1,200 to $1,700 extra every year, depending on your age. Insurance for high-risk drivers can cost as much as 43% to 139% more than a normal policy. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may pay as little as $900 per year on average, or $75 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay in the ballpark of $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 Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,300 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles could save up to $220 every year, whereas increasing liability limits will push rates upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $426 more per year. View Rates by Deductible or Liability Limit

How to Find More Affordable Scion xD Insurance

Finding cheaper rates on car insurance not only requires having a decent driving record, but also having above-average credit, not filing small claims, and possibly raising deductibles. Compare prices every year by getting quotes from direct companies, and also from local insurance agencies.

The following items are a summary of the coverage data covered in the charts and tables above.

• You may be able to save around $110 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles can save approximately $225 each year
• 16 to 18-year-old drivers are expensive to insure, as much as $330 each month if full coverage is included
• Higher risk drivers who have multiple accidents or major violations may have to pay on average $1,120 more per year than a driver with a clean driving record