Scion xD Insurance Rates

The average insurance prices for a Scion xD are $962 every 12 months for full coverage. Comprehensive insurance costs on average $134 a year, collision insurance costs $196, and liability coverage costs $474. A liability-only policy costs as little as $522 a year, and high-risk insurance costs $2,080 or more. 16-year-old 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:

Prices are based on $500 physical damage deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all states and xD trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on car insurance rates. Rural areas are shown to have more infrequent accident claims than congested cities. The diagram below illustrates how location impacts car insurance rates.

The examples above show why it is important to compare rates based on a specific location and their own driving history, rather than using rate averages.

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

Rates by State, City, and Model

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

• The best full coverage rate is $585
• Drivers who choose higher $1,000 deductibles will pay around $888 a year
• The average price for a good driver age 40 with $500 deductibles is $962
• Buying low $100 deductibles for comprehensive and collision insurance costs an extra $142 each year
• High-risk insureds with multiple tickets or accidents could pay upwards of $2,080
• Policy cost to insure a teenage driver may cost $3,956 a year

View Chart as Image

Car insurance rates for a Scion xD also range considerably based on liability limits and deductibles, your driver profile, and the trim level of your xD.

Opting for high physical damage deductibles could save up to $220 a year, while buying higher liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles may only pay around $900 per year on average, or $75 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will be charged upwards of $3,900 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying at a minimum $1,200 to $1,700 extra every year, depending on your age. A high-risk auto insurance policy can cost around 43% to 139% more than the average rate. View High Risk Driver Rates

Your home state makes a big difference in Scion xD insurance rates. A 40-year-old driver could pay as low as $640 a year in states like Idaho, Maine, and Iowa, or at least $1,370 on average in Michigan, Louisiana, and New York.

View Chart as Image

How to Shop for Affordable Scion xD Insurance

Finding cheaper rates on auto insurance not only requires being a safe and courteous driver, but also maintaining a good credit score, avoid buying unnecessary coverage, and possibly raising deductibles. Spend time shopping around at every policy renewal by requesting rates from direct carriers, and also from local independent and exclusive agents.

Below is a brief review of the data touched on above.

• Consumers who require higher levels of liability will pay around $520 each year to go from a 30/60 limit to a 250/500 level
• Drivers can save as much as $110 per year just by quoting early and online
• Increasing comprehensive and collision deductibles could save as much as $225 each year
• Teenage drivers are expensive to insure, costing up to $330 each month if the policy includes full coverage