Scion xD Insurance Rates

The average auto insurance rates for a Scion xD are $962 annually with full coverage. Comprehensive insurance costs on average $134 each year, collision insurance costs $196, and liability costs around $474. Buying just liability costs as low as $522 a year, and insurance for high-risk drivers costs $2,080 or more. 16-year-old drivers cost the most to insure at up to $3,956 a year.

Average premium for full coverage: $962

Policy rates by type of insurance:

Price estimates include $500 physical damage deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all U.S. states and xD models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on auto insurance rates. Rural areas are shown to have fewer collision claims than congested cities. The graphic below illustrates how your location can change car insurance rates.

The examples above demonstrate why all drivers should compare prices based on a specific location and their own personal driving habits, instead of making a decision based on rate averages.

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

Additional Charts and Tables

The chart below details 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 $74 annually
• The estimated rate for a good driver age 40 with $500 deductibles is $962
• Buying low deductibles for physical damage coverage costs an additional $142 annually
• High-risk insureds with multiple tickets or accidents could pay upwards of $2,080
• Policy cost with full coverage for a 16-year-old driver may cost $3,956 or more

View Chart as Image

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

More mature drivers with a clean driving record and high physical damage deductibles may pay as low as $900 a year, or $75 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they can expect to pay upwards of $3,900 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you may be forking out at a minimum $1,200 to $1,700 extra every year, depending on your age. Insurance for high-risk drivers can be from 43% to 139% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could cut rates by as much as $220 annually, whereas increasing liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $426 more per year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Scion xD insurance prices. A driver around age 40 might see rates as low as $690 a year in states like New Hampshire, Ohio, and Utah, or at least $1,300 on average in Florida, Michigan, and New York.

View Chart as Image

How to Buy Cheaper Scion xD Insurance

Finding cheaper rates on insurance for a Scion xD requires being a safe and courteous driver, having a good credit history, not filing small claims, and determing if full coverage is necessary. Invest the time to shop around at least every other year by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

Below is a condensed summary of the car insurance concepts illustrated above.

• Drivers considered higher risk with multiple at-fault accidents pay an average of $1,120 more each year for auto insurance
• You may be able to save as much as $110 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles could save up to $225 each year
• Insureds who require higher levels of liability will pay around $520 every year to increase from a 30/60 limit to higher 250/500 limits