Scion xD Insurance Rates

The average insurance rates for a Scion xD are $962 a year for full coverage insurance. Comprehensive costs an estimated $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 broken down by type of insurance:

Rates are based on $500 comprehensive and collision deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 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 the price of insurance. More rural locations are shown to have lower incidents of physical damage claims than congested cities. The graphic below illustrates how location impacts insurance prices.

The examples above illustrate why all drivers should compare rates quotes for a targeted area, instead of making a decision based on rate averages.

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

Additional Rate Details

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

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

View Chart as Image

Insurance rates for a Scion xD also range considerably based on the trim level and model year, your age and driving record, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you are probably paying $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 at least $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 $630 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,300 on average in Florida, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles can reduce rates by up to $220 annually, whereas increasing liability limits will increase premiums. Switching 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 the Best Cheap Scion xD Insurance

Finding cheaper rates on insurance for a Scion xD consists of having a decent driving record, having above-average credit, being claim-free, and deciding if full coverage is necessary. Comparison shop once a year by requesting rates from direct insurance companies, and also from local insurance agencies.

The following items are a quick review of the data that was touched on above.

• It is possible to save approximately $110 per year just by quoting online in advance
• Insureds who want additional liability coverage will pay around $520 annually to raise from a 30/60 limit to the 250/500 level
• 16 to 18-year-old drivers are charged the highest rates, possibly costing $330 each month if full coverage is included
• Drivers considered higher risk with a DUI or reckless driving violation may have to pay on average $1,120 more annually than a driver with a clean driving record