Scion xD Insurance Rates

Average auto insurance rates for a Scion xD are $962 annually with full coverage. Comprehensive insurance costs an estimated $134 each year, collision insurance costs $196, and liability coverage costs $474. A liability-only policy costs as little as $522 a year, and high-risk insurance costs $2,080 or more. 16-year-old 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:

Includes $500 comprehensive and collision deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all U.S. states and xD models.

Price Range by Coverage and Risk

Price Range by Location

Your location has a large influence on car insurance rates. More rural locations tend to have fewer collision claims than congested cities. The graphic below illustrates the difference between rural and urban areas on insurance prices.

These examples demonstrate why all drivers should compare rates for a targeted area and their own personal driving habits, rather than using rate averages.

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

Detailed Rate Analysis

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

• The best full coverage rate is $585
• Drivers who choose higher $1,000 deductibles will pay approximately $74 annually
• The estimated rate for a 40-year-old driver who has $500 deductibles is $962
• Buying low deductibles for comprehensive and collision insurance costs an additional $142 each year
• High-risk insureds with multiple tickets or accidents could pay up to $2,080
• The cost with full coverage for a teenage driver can cost as much as $3,956 a year

View Chart as Image

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

More mature drivers with a clean driving record and high physical damage deductibles may only pay around $900 per year on average 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 may be forking out $1,200 to $1,700 extra per year, depending on your age. Insurance for high-risk drivers can cost around 43% to 139% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could save up to $220 a year, whereas increasing liability limits will increase premiums. Moving 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 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 Utah, Ohio, and New Hampshire, or at least $1,300 on average in New York, Michigan, and Florida.

View Chart as Image

How to Buy the Cheapest Scion xD Insurance

Saving money on auto insurance not only requires having a decent driving record, but also having a good credit history, eliminating unnecessary coverage, and deciding if full coverage is necessary. Set aside time to compare rates once a year by requesting rates from direct companies like Progressive and GEICO, and also from several local insurance agents.

The following items are a recap of the data that was covered above.

• You may be able to save approximately $110 per year just by quoting online in advance
• Consumers who want additional liability coverage will pay around $520 every year to go from a minimum limit to higher 250/500 limits
• 16 to 18-year-old drivers are charged the highest rates, with premiums as much as $330 per month including comprehensive and collision insurance
• Drivers that have major violations or accidents pay on average $1,120 more annually than a driver with a clean driving record