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 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. Teenage drivers pay the highest rates at up to $3,956 a year.

Average premium for full coverage: $962

Price estimates by individual coverage:

Full coverage includes $500 deductibles, minimum liability limits, and includes uninsured/under-insured 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 can make a big difference on car insurance rates. Rural areas have lower incidents of accident claims than densely populated cities. The example below illustrates the difference between rural and urban areas on car insurance rates.

The ranges above show why everyone should compare prices based on a specific location, instead of making a decision based on average rates.

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

More Rate Information

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

• The best discount rate is $585
• Using higher $1,000 deductibles will save around $74 a year
• The estimated price for the average middle-age driver with $500 deductibles is $962
• Using pricier low deductibles for physical damage coverage will cost an additional $142 annually
• High-risk insureds who are prone to accidents and violations could pay upwards of $2,080
• The price that insures a 16-year-old 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 the model of your xD, how you drive, and policy deductibles and limits.

If you have some driving violations or you caused an accident, 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 from 43% to 139% more than a normal policy. View High Risk Driver Rates

A more mature driver with a clean driving record and higher comprehensive and collision deductibles may pay as low as $900 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records 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 prices. A driver around age 40 might see prices 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 could cut prices by as much as $220 annually, whereas buying more liability protection will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $426 more per year. View Rates by Deductible or Liability Limit

How to Find More Affordable Scion xD Insurance

Getting lower rates on insurance for a Scion xD requires not taking risks behind the wheel, having above-average credit, eliminating unnecessary coverage, and determing if full coverage is necessary. Compare prices every couple of years by requesting rates from direct carriers, and also from local exclusive and independent agents.

The following is a summary of the material that was covered above.

• Insureds who require higher liability limits will pay an extra $520 each year to increase from a low limit to the 250/500 level
• Teens pay the highest prices, with premiums as much as $330 a month if full coverage is included
• Drivers considered higher risk who have multiple accidents or major violations may pay on average $1,120 more each year for xD insurance
• Increasing physical damage deductibles can save approximately $225 each year