Scion xD Insurance Rates

Average insurance rates for a Scion xD are $962 a year with full coverage. Comprehensive insurance costs around $134 a year, collision insurance costs $196, and liability is $474. Buying just liability costs around $522 a year, and insurance for high-risk drivers costs $2,080 or more. Teenage drivers receive the highest rates at up to $3,956 a year.

Average premium for full coverage: $962

Rate estimates for individual coverage type:

Rate estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all U.S. states and xD trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can make a big difference on insurance rates. Areas with sparse population tend to have a lower frequency of collision claims than densely populated cities. The diagram below illustrates the difference between rural and urban areas on auto insurance rates.

These examples demonstrate why it is important to compare rates quotes for a specific zip code and risk profile, instead of making a decision based on average rates.

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

More Rate Details

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

• The best discount rate is $585
• Raising to $1,000 deductibles will save about $888 annually
• The average rate for a 40-year-old driver using $500 deductibles is $962
• Using low $100 deductibles will cost an extra $142 annually
• Drivers who are prone to accidents and violations could pay at least $2,080
• The cost for full coverage for a 16-year-old driver can be $3,956

View Chart as Image

Auto insurance rates for a Scion xD can also vary considerably based on your driver profile, the trim level and model year, and deductibles and policy limits.

Older drivers with a good driving record and high deductibles may pay as low as $900 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even good drivers will have to pay as much as $3,900 a year. View Rates by Age

Where you live also has a big influence on Scion xD insurance prices. A middle-age driver might find rates as low as $690 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,300 on average in Florida, Michigan, and New York.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $220 annually, while buying higher liability limits will increase rates. Moving from a 50/100 limit to a 250/500 limit will cost as much as $426 extra every year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you may be forking out at least $1,200 to $1,700 in extra premium per year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 43% to 139% more than a normal policy. View High Risk Driver Rates

How to Find the Best Scion xD Insurance

Saving money on insurance for a Scion xD consists of avoiding accidents and claims, having good credit, eliminating unnecessary coverage, and possibly raising deductibles. Set aside time to compare rates at every other renewal by requesting rates from direct companies like GEICO and Progressive, and also from local independent and exclusive agents.

The points below are a brief recap of the concepts that were covered above.

• Drivers considered higher risk who tend to receive serious violations pay an average of $1,120 more every year to insure a Scion xD
• Drivers under the age of 20 are expensive to insure, with premiums as much as $330 per month if they have full coverage
• You may be able to save up to $110 per year just by quoting early and online
• Increasing deductibles can save around $225 each year
• You may be able to save up to $110 per year just by quoting early and online