Scion xD Insurance Rates

The average auto insurance rates for a Scion xD are $994 annually including full coverage. Comprehensive costs on average $144 a year, collision insurance costs $214, and liability coverage is $478. A liability-only policy costs around $526 a year, and high-risk insurance costs around $2,150. 16-year-old drivers cost the most to insure at up to $4,062 a year.

Average premium for full coverage: $994

Policy rates by type of insurance:

Price estimates include $500 policy deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and xD trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on car insurance rates. Rural areas are shown to have fewer comprehensive and collision claims than congested cities. The diagram below illustrates how geographic area affects car insurance rates.

The examples above highlight why it is important to compare rates quotes based on a specific location and their own personal driving habits, rather than using rate averages.

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

Additional Rate Information

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

• The best full coverage rate is $600
• Raising to $1,000 deductibles will save around $912 every year
• The estimated rate for a good driver age 40 with $500 deductibles is $994
• Buying low $100 deductibles will cost $1,150
• Unlucky drivers with multiple tickets or accidents could pay upwards of $2,150
• Policy cost with full coverage for a teenage driver may cost $4,062

View Chart as Image

Car insurance rates for a Scion xD also range considerably based on the model year and trim level, your driving characteristics, and policy deductibles and limits.

Older drivers with no driving violations and high physical damage deductibles may only pay around $900 every 12 months on average, or $75 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will be charged upwards of $4,000 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying at a minimum $1,200 to $1,700 extra every year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 42% to 134% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can reduce rates by up to $240 a year, while buying higher liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $430 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Scion xD insurance rates. A middle-age driver might find rates as low as $760 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,420 on average in Michigan, New York, and Louisiana.

View Chart as Image

How to Buy Cheaper Scion xD Insurance

Finding cheaper rates on auto insurance consists of being safe and accident-free, having a good credit score, paying for small claims out-of-pocket, and possibly raising deductibles. Invest the time to compare rates at least once a year by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

Below you'll find a condensed summary of the primary concepts that were presented in the illustrations above.

• You may be able to save as much as $110 per year just by quoting early and online
• Drivers with multiple at-fault accidents pay on average $1,160 more each year than a low-risk driver
• Increasing comprehensive and collision deductibles could save up to $250 each year
• Youthful drivers are expensive to insure, with premiums being up to $339 each month if comprehensive and collision insurance is included