Scion xD Insurance Rates

U.S. average insurance rates for a Scion xD are $962 a year for full coverage. Comprehensive insurance costs on average $134, collision insurance costs $196, and liability insurance costs around $474. A policy with just liability insurance costs as low as $522 a year, and coverage for high-risk drivers costs $2,080 or more. Teens pay the highest rates at up to $3,956 a year.

Average premium for full coverage: $962

Price estimates by individual coverage:

Prices are based on $500 deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all states and for all xD models.

Price Range from Low to High

Geographic Price Range

Where you live has a significant impact on car insurance rates. Rural areas have a lower frequency of accident claims than cities with more traffic congestion. The example below illustrates how your location can change car insurance rates.

The ranges above show why everyone should compare prices based on a specific location and risk profile, rather than relying on averaged prices.

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 cheapest rate after discounts is $585
• Using higher $1,000 deductibles will save around $74 a year
• The average rate for the average middle-age driver with $500 deductibles is $962
• Selecting pricier low deductibles for physical damage coverage will cost an extra $142 a year
• Drivers with serious driving violations could pay upwards of $2,080
• The price for full coverage for a teen driver for full coverage may cost $3,956 or more

View Chart as Image

Insurance prices for a Scion xD are also quite variable based on your driving record, the trim level of your xD, and policy deductibles and limits.

A more mature driver with a clean driving record and high deductibles could pay as little as $900 a year for full coverage. Prices are much higher for teenage drivers, where even good drivers can expect to pay upwards of $3,900 a year. View Rates by Age

The state you live in has a huge impact on Scion xD insurance rates. A driver around age 40 might see prices as low as $640 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,370 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $220 each year, whereas buying more liability protection will cost you more. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $426 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying at a minimum $1,200 to $1,700 extra each year, depending on your age. Scion xD insurance for high-risk drivers can be anywhere from 43% to 139% more than the average policy. View High Risk Driver Rates

How to Find Affordable Scion xD Insurance

Getting lower rates on Scion xD insurance requires not taking risks behind the wheel, maintaining good credit, eliminating unnecessary coverage, and determing if full coverage is necessary. Invest the time to shop around at least every other year by requesting rates from direct carriers like Progressive and GEICO, and also from your local insurance agents.

The following is a brief review of the car insurance concepts illustrated above.

• High-risk drivers with DUI or reckless driving convictions will pay on average $1,120 more each year for xD insurance
• Drivers can save as much as $110 per year just by quoting online well ahead of the renewal date
• Increasing physical damage deductibles can save around $225 each year
• Drivers who require higher liability limits will pay approximately $520 each year to increase from a low limit to 250/500 limits