Scion xD Insurance Rates

The average insurance rates for a Scion xD are $962 a year for full coverage. Comprehensive costs around $134 each year, collision insurance costs $196, and liability is $474. Buying just liability costs around $522 a year, and insurance for high-risk drivers costs around $2,080. 16-year-old drivers cost the most to insure at up to $3,956 a year.

Average premium for full coverage: $962

Policy rates for type of insurance:

Price estimates include $500 physical damage insurance deductibles, 30/60 liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all states and xD models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on auto insurance rates. Areas with sparse population are shown to have lower incidents of accident claims than congested cities. The graphic below illustrates how location impacts auto insurance rates.

The examples above show why all drivers should compare rates quotes for a specific zip code, instead of making a decision based on rate averages.

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

Additional Rate Information

The chart below shows average Scion xD insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $585
• Raising to $1,000 deductibles will save about $74 a year
• The estimated price for a good driver age 40 using $500 deductibles is $962
• Buying low deductibles bumps up the cost to $1,104
• Drivers with multiple tickets or accidents could pay at least $2,080
• Policy cost that insures a 16-year-old driver can be $3,956

View Chart as Image

Insurance rates for a Scion xD also range considerably based on the trim level and model year, how you drive, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you could be paying at least $1,200 to $1,700 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 43% to 139% more than the average rate. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may pay as low as $900 every 12 months on average, or $75 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records can expect to pay as much as $3,900 a year. View Rates by Age

Your home state also has a big influence on Scion xD insurance prices. A middle-age driver might find rates 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

Opting for high physical damage deductibles can reduce rates by up to $220 annually, whereas increasing liability limits will increase rates. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $426 more per year. View Rates by Deductible or Liability Limit

How to Find Cheaper Scion xD Insurance

Finding cheaper rates on insurance for a Scion xD consists of being a low-risk driver, having above-average credit, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Comparison shop at every policy renewal by quoting rates from direct carriers, and also from several local insurance agents.

The items below are a condensed summary of the data touched on above.

• Insureds who may need more liability coverage will pay around $520 each year to raise from a 30/60 limit to the 250/500 level
• Drivers can save up to $110 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles can save approximately $225 each year
• Teen drivers pay higher rates, costing up to $330 each month if full coverage is included