Scion xD Insurance Rates

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

Average premium for full coverage: $962

Policy rates by type of insurance:

Prices are based on $500 comprehensive and collision deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 U.S. states and xD models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on car insurance prices. Rural locations are shown to have lower incidents of comprehensive and collision claims than cities with more traffic congestion. The graphic below illustrates how location helps determine auto insurance prices.

The examples above highlight why all drivers should compare prices using their specific location, rather than using averaged prices.

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

Additional Rate Details

The chart below breaks down average Scion xD insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $585
• Using higher $1,000 deductibles will save $74 every year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $962
• Selecting low deductibles for physical damage coverage will cost an additional $142 each year
• Higher-risk drivers with serious driving violations could pay around $2,080
• Policy cost that insures a teenage driver can cost $3,956 or more

View Chart as Image

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

If you have a few points on your driving record or you caused an accident, you are likely paying anywhere from $1,200 to $1,700 extra every year, depending on your age. Insurance for high-risk drivers can be around 43% to 139% more than the average policy. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may only pay around $900 a year, or $75 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay in the ballpark of $3,900 a year. View Rates by Age

Your home state has a huge impact on Scion xD insurance rates. A driver around age 40 might see rates as low as $740 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,370 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $220 a year, whereas increasing liability limits will push rates upward. Changing 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 Affordable Scion xD Insurance

Finding cheaper rates on auto insurance requires avoiding accidents and violations, having above-average credit, paying for small claims out-of-pocket, and possibly raising deductibles. Compare rates every couple of years by getting quotes from direct car insurance companies, and also from local auto insurance providers.

The list below is a brief review of the material that was covered in the charts and tables above.

• Consumers who purchase higher liability limits will pay approximately $520 per year to increase from a 30/60 limit to the 250/500 level
• Teenagers are expensive to insure, with premiums being up to $330 each month if full coverage is included
• Drivers with DUI or reckless driving convictions will likely pay on average $1,120 more per year for car insurance
• Increasing comprehensive and collision deductibles can save approximately $225 each year