Scion xD Insurance Rates

Average auto insurance rates for a Scion xD are $962 annually for full coverage insurance. Comprehensive costs an estimated $134 a year, collision insurance costs $196, and liability costs around $474. A liability-only policy costs as low as $522 a year, and high-risk insurance costs around $2,080. Teen drivers receive the highest rates at up to $3,956 a year.

Average premium for full coverage: $962

Rate estimates broken down by individual coverage type:

Rates are based on $500 comprehensive and collision deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 states and xD trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live can make a big difference on the price of insurance. More rural locations tend to have fewer physical damage claims than larger metro areas. The diagram below illustrates the difference location can make on insurance prices.

These examples illustrate why it is important to compare prices for a targeted area and their own personal driving habits, instead of making a decision based on price averages.

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

Additional Rate Analysis

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

• The lowest rate with discounts is $585
• Using higher $1,000 deductibles will save approximately $888 each year
• The estimated rate for a 40-year-old driver who has $500 deductibles is $962
• Choosing low $100 deductibles for physical damage coverage will cost $1,104
• High-risk insureds with multiple violations and an at-fault accident could pay up to $2,080
• The cost with full coverage for a 16-year-old driver can cost as much as $3,956 or more

View Chart as Image

Insurance rates for a Scion xD can also vary considerably based on the trim level of your xD, your risk profile, and liability limits and deductibles.

Older drivers with a clean driving record and high physical damage deductibles may pay as low as $900 a year for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they can expect to pay at least $3,900 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are probably paying $1,200 to $1,700 extra per year, depending on your age. A high-risk auto insurance policy can be from 43% to 139% more than average. View High Risk Driver Rates

Choosing high deductibles could cut rates by as much as $220 annually, while buying higher liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $426 more per year. View Rates by Deductible or Liability Limit

Where you live has a huge impact on Scion xD insurance prices. A driver around age 40 might see rates as low as $630 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,300 on average in Florida, New York, and Michigan.

View Chart as Image

How to Buy the Best Cheap Scion xD Insurance

Saving money on insurance for a Scion xD requires avoiding accidents and violations, having a good credit history, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Make time to compare rates every couple of years by quoting rates from direct insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

The list below is a quick review of the material that was touched on in this article.

• Insureds who want higher liability limits will pay about $520 annually to increase from a minimum limit to higher 250/500 limits
• Teenagers are charged the highest rates, costing up to $330 per month including comprehensive and collision insurance
• Drivers considered higher risk with a DUI or reckless driving violation may pay on average $1,120 more annually for car insurance
• Increasing deductibles could save up to $225 each year