Scion xD Insurance Rates

The average insurance rates for a Scion xD are $962 a year with full coverage. Comprehensive costs on average $134, collision insurance costs $196, and liability costs around $474. Liability-only coverage costs as low as $522 a year, and high-risk coverage costs around $2,080. Teens 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 deductible amounts, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all U.S. states and for all xD models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on auto insurance rates. Rural areas are shown to have lower incidents of collision claims than cities with more traffic congestion. The example below illustrates how rural and urban location affects car insurance rates.

The examples above demonstrate why everyone should compare prices based on a specific location, instead of using averaged prices.

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

Detailed Rate Analysis

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

• The cheapest rate after discounts is $585
• Using higher $1,000 deductibles will save around $74 annually
• The estimated price for a good driver age 40 with $500 deductibles is $962
• Selecting pricier low deductibles for physical damage coverage bumps up the cost to $1,104
• Drivers with serious driving violations could pay upwards of $2,080
• Policy cost that insures a teen driver for full coverage may cost $3,956 or more

View Chart as Image

Insurance rates for a Scion xD also range considerably based on the model of your xD, your age and driving habits, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you may be forking out at a minimum $1,200 to $1,700 additional every year, depending on your age. Scion xD insurance for high-risk drivers can be as much as 43% to 139% more than the average policy. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may pay as little 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 upwards 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 $690 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,300 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $220 every year, whereas buying more liability protection will cost you more. Moving 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

How to Find Cheaper Scion xD Insurance

Finding cheaper rates on car insurance requires having a good driving record, having a good credit score, not filing small claims, and dropping full coverage on older vehicles. Compare rates every other policy renewal by getting quotes from direct companies, and also from several local insurance agents.

The next list is a condensed summary of the ideas that were raised in the charts and tables above.

• Drivers age 20 and younger pay higher rates, as much as $330 each month if comprehensive and collision insurance is included
• Higher risk drivers with multiple at-fault accidents pay on average $1,120 more each year to buy Scion xD insurance
• Increasing comprehensive and collision deductibles can save approximately $225 each year
• You may be able to save as much as $110 per year just by quoting online well ahead of the renewal date