Scion xD Insurance Rates

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

Average premium for full coverage: $962

Price estimates broken down by individual coverage:

Prices are based on $500 policy deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all states and for all xD models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can have significant affects on insurance rates. More rural locations have a lower frequency of accident claims than cities with more traffic congestion. The example below illustrates how your location can change insurance prices.

The ranges above show why everyone should compare rates quotes for a targeted area and risk profile, instead of using averaged prices.

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

Rate Comparisons

The chart below shows average Scion xD insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $585
• Raising to $1,000 deductibles will save approximately $74 a year
• The average rate for the average middle-age driver who has $500 deductibles is $962
• Selecting pricier low deductibles will increase the cost to $1,104
• At-risk drivers with serious driving violations could pay up to $2,080
• The price for full coverage for a teen driver for full coverage can cost as much as $3,956

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 liability limits and deductibles.

A more mature driver with a clean driving record and high deductibles may pay as little as $900 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even good drivers can expect to pay at least $3,900 a year. View Rates by Age

The state you live in also has a big influence on Scion xD insurance prices. A middle-age driver might find prices as low as $640 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,370 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $220 every year, whereas buying more liability protection will increase premiums. 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 $1,200 to $1,700 extra each year, depending on your age. Scion xD insurance for high-risk drivers is expensive and can cost as much as 43% to 139% more than the average policy. View High Risk Driver Rates

How to Find Affordable Scion xD Insurance

Getting lower rates on car insurance consists of avoiding accidents and claims, maintaining good credit, eliminating unnecessary coverage, and deciding if full coverage is necessary. Invest the time to shop around every other policy renewal by obtaining price quotes from direct carriers like Progressive and GEICO, and also from local independent and exclusive agents.

The points below are a brief review of the ideas that were illustrated above.

• Drivers under the age of 20 are charged the highest prices, with premiums as much as $330 a month for full coverage
• Higher risk drivers with DUI or reckless driving convictions pay an average of $1,120 more annually to insure a Scion xD
• Increasing physical damage deductibles can save around $225 each year
• Drivers can save approximately $110 per year just by quoting online well ahead of the renewal date