Scion xD Insurance Rates

Average insurance rates for a Scion xD are $962 a year for full coverage insurance. Comprehensive insurance costs on average $134 a year, collision insurance costs $196, and liability insurance costs around $474. A policy with just liability insurance costs as low as $522 a year, and coverage for high-risk drivers 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 by individual coverage type:

Includes $500 physical damage insurance deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 states and xD trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a significant impact on insurance rates. Rural areas tend to have lower incidents of physical damage claims than congested cities. The diagram below illustrates how geographic area affects car insurance rates.

These examples illustrate why it is important to compare prices based on a specific location, rather than relying on rate averages.

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

Additional Rate Analysis

The chart below illustrates average Scion xD insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $585
• Using higher $1,000 deductibles will save around $888 each year
• The estimated price for a 40-year-old driver with $500 deductibles is $962
• Buying low $100 deductibles for physical damage coverage will cost an additional $142 a year
• Drivers with multiple tickets or accidents could pay upwards of $2,080
• The cost that insures a teen driver may cost $3,956 or more

View Chart as Image

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

If you like to drive fast or you caused an accident, you are probably paying at a minimum $1,200 to $1,700 additional per year, depending on your age. A high-risk auto insurance policy can be anywhere from 43% to 139% more than the average rate. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $900 a year for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records should be prepared to pay upwards of $3,900 a year. View Rates by Age

Where you live has a huge impact on Scion xD insurance rates. A driver around age 40 might see rates as low as $630 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,300 on average in Michigan, New York, and Florida.

View Chart as Image

Opting for high physical damage deductibles could cut rates by as much as $220 each year, while buying higher liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $426 more each year. View Rates by Deductible or Liability Limit

How to Find the Cheapest Scion xD Insurance

Saving money on Scion xD insurance requires being a low-risk driver, having a good credit score, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Comparison shop at least every other year by getting rate quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The items below are a recap of the car insurance concepts presented in the illustrations above.

• High-risk drivers that have major violations or accidents may pay on average $1,120 more each year to insure their xD
• It is possible to save as much as $110 per year just by quoting early and online
• Increasing deductibles can save approximately $225 each year
• Drivers who require more liability coverage will pay around $520 annually to increase from a minimum limit to the 250/500 level