Scion xD Insurance Rates

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

Average premium for full coverage: $962

Policy rates by type of insurance:

Full coverage includes $500 policy deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all states and xD trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on car insurance rates. Rural locations are shown to have lower incidents of accident claims than densely populated cities.

The diagram below illustrates how your location can change auto insurance prices.

The examples above show why it is important to compare prices using their specific location, instead of making a decision based on average rates.

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

Rates by State, City, and Model

The chart below shows estimated Scion xD insurance rates for additional coverage and risk scenarios.

• The best discount rate is $585
• Using higher $1,000 deductibles will save $888 a year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $962
• Using low $100 deductibles for physical damage coverage bumps up the cost to $1,104
• High-risk insureds who are prone to accidents and violations could pay around $2,080 or more
• Policy cost that insures a 16-year-old 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 of your xD, how you drive, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you could be paying anywhere from $1,200 to $1,700 additional every year, depending on your age. A high-risk auto insurance policy can be from 43% to 139% more than a normal policy. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $900 a year, or $75 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared 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 prices. A driver around age 40 might see rates as low as $640 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,370 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $220 annually, while buying higher liability limits will push rates upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $426 more each year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to get quotes from multiple companies. Each insurance company uses a different method to calculate rates, and rates will be varied.

How to Find More Affordable Scion xD Insurance

Finding cheaper rates on insurance for a Scion xD requires being a good driver, having a good credit score, avoid buying unnecessary coverage, and qualifying for all possible discounts. Compare prices every time your policy renews by getting quotes from direct carriers, and also from insurance agencies where you live.

The following list is a summary of the information illustrated above.

• Drivers can save around $110 per year simply by quoting early and online
• Drivers age 16 to 20 are the costliest to insure, costing up to $330 each month if comprehensive and collision insurance is included
• Increasing comprehensive and collision deductibles can save approximately $225 each year
• Drivers considered higher risk who have multiple accidents or major violations could be forced to pay on average $1,120 more per year than a safer driver
• Insureds who purchase an increased level of liability coverage will pay an extra $520 each year to increase from a 30/60 limit to the 250/500 level