Scion xD Insurance Rates

The average insurance prices for a Scion xD are $962 every 12 months with full coverage. Comprehensive insurance costs on average $134 a year, collision insurance costs $196, and liability coverage costs $474. Liability-only coverage costs as little as $522 a year, and high-risk coverage costs $2,080 or more. Teen 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 include $500 deductible amounts, liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all U.S. states and xD trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on auto insurance rates. Rural areas are shown to have more infrequent collision claims than larger metro areas. The diagram below illustrates how your location can change car insurance rates.

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

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

Rate Comparisons

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

• The lowest rate with discounts is $585
• Drivers who choose higher $1,000 deductibles will pay around $888 annually
• The average price for a good driver age 40 with $500 deductibles is $962
• Choosing low $100 deductibles for comprehensive and collision insurance costs an extra $142 each year
• High-risk insureds with multiple violations and an at-fault accident could pay upwards of $2,080
• Policy cost to insure a teenage driver may cost $3,956 a year

View Chart as Image

Insurance rates for a Scion xD also range considerably based on liability limits and deductibles, your driving record, and the trim level of your xD.

Choosing high deductibles could save up to $220 a year, while buying higher liability limits will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $426 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents 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 should be prepared to pay 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 may be forking out at a minimum $1,200 to $1,700 additional every year, depending on your age. A high-risk auto insurance policy can cost around 43% to 139% more than average. 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 $690 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,300 on average in Florida, Michigan, and New York.

View Chart as Image

How to Shop for the Right Scion xD Insurance

Finding cheaper rates on auto insurance not only requires having a good driving record, but also having above-average credit, not filing small claims, and dropping full coverage on older vehicles. Invest the time to shop around once a year by getting rate quotes from direct companies, and also from local exclusive and independent agents.

The next list is a quick rundown of the data that was illustrated above.

• You may be able to save as much as $110 per year just by quoting early and online
• Consumers who require increased levels of liability coverage will pay about $520 every year to go from a 30/60 limit to a 250/500 level
• Drivers age 20 and younger pay higher rates, as much as $330 each month if full coverage is included
• Drivers with reckless driving or DUI convictions may pay on average $1,120 more each year to buy Scion xD insurance