Scion xD Insurance Rates

Estimated insurance rates for a Scion xD are $962 a year for full coverage. Comprehensive costs an estimated $134 a year, collision insurance costs $196, and liability costs around $474. Liability-only insurance costs as low as $522 a year, and high-risk driver insurance costs around $2,080. Teenage drivers pay the most at up to $3,956 a year.

Average premium for full coverage: $962

Premium estimates broken down by type of coverage:

These estimates include $500 policy deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all states and xD trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can have significant affects on insurance rates. More rural locations are statistically proven to have a lower frequency of accident claims than densely populated cities. The diagram below illustrates how rural and urban location affects insurance prices.

These rate differences show why it is important to compare prices for a targeted area and risk profile, instead of using average rates.

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

Additional Rate Analysis

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

• The best discount rate is $585
• Using higher $1,000 deductibles will save approximately $888 a year
• The average rate for a 40-year-old good driver who has $500 deductibles is $962
• Using low $100 deductibles for physical damage coverage will increase the cost to $1,104
• Drivers who are prone to accidents and violations could pay up to $2,080
• An auto insurance policy for full coverage for a teen driver can cost as much as $3,956 or more

View Chart as Image

Insurance prices for a Scion xD also have a wide range based on your driving characteristics, the trim level of your xD, and liability limits and deductibles.

Older drivers with no violations or accidents and high deductibles may pay as little as $900 a year, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers should be prepared to pay at least $3,900 a year. View Rates by Age

Where you choose to live has a huge impact on Scion xD insurance prices. A driver around age 40 might see prices as low as $640 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,370 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $220 every year, while buying higher liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will cost up to $426 more each year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you could be paying $1,200 to $1,700 additional annually, depending on your age. A high-risk auto insurance policy can be as much as 43% to 139% more than a normal policy. View High Risk Driver Rates

How to Find Cheap Scion xD Insurance

Finding better rates on car insurance requires avoiding accidents and claims, having a good credit history, not filing small claims, and possibly raising deductibles. Set aside time to shop around every couple of years by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The points below are a brief summary of the material that was raised in the charts and tables above.

• Policyholders who want increased liability limits will pay an extra $520 each year to increase from 30/60 bodily injury limits to 250/500 limits
• Drivers under the age of 20 are expensive to insure, as much as $330 per month including comprehensive and collision insurance
• Higher risk drivers that tend to have accidents or serious violations pay an average of $1,120 more annually to insure a Scion xD
• Increasing policy deductibles can save around $225 each year