Cheap Scion xD Car Insurance in 2024 (Save Big With These 10 Companies!)
For cheap Scion xD car insurance, consider Progressive, USAA, and State Farm. These insurers offer rates beginning at $48 per month, showcasing their competitive pricing and comprehensive coverage options. Obtain quotes from these top providers to find the best deal on Scion xD car insurance.
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Schimri Yoyo
Licensed Agent & Financial Advisor
Schimri Yoyo is a financial advisor with active life and health insurance licenses in seven states and over 20 years of experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity. Schimri is an educator eager to assist individuals and families in ...
Licensed Agent & Financial Advisor
UPDATED: Nov 7, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Nov 7, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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A.M. Best Rating
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Obtaining cheap Scion xD car insurance involves selecting from top insurers like Progressive, USAA, and State Farm. These companies are known for their competitive pricing and extensive coverage options tailored for luxury vehicle owners.
Car insurance is an essential expense for any vehicle owner, and understanding the cost of insurance for your specific vehicle is crucial for budgeting purposes.
Our Top 10 Company Picks: Cheap Scion xD Car Insurance
Company Rank Monthly Rates A.M. Best Best For Jump to Pros/Cons
#1 $48 A+ Snapshot Program Progressive
#2 $52 A++ Excellent Service USAA
#3 $57 B Extensive Options State Farm
#4 $61 A+ Drivewise Discounts Allstate
#5 $68 A Specialized Coverage Farmers
#6 $74 A Customizable Coverage Liberty Mutual
#7 $79 A+ Vanishing Deductible Nationwide
#8 $83 A++ Coverage Options Travelers
#9 $87 A Comprehensive Coverage American Family
#10 $93 A++ Competitive Rates Geico
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#1 – Progressive: Top Overall Pick
Pros
- Competitive Rates: Offers some of the most affordable premiums starting at $48 per month for Scion xD drivers. This makes it a top pick for Scion xD enthusiasts looking to save on their insurance costs without compromising on coverage.
- Snapshot Program: Usage-based insurance program can lead to additional discounts for safe driving. Scion xD owners can benefit from personalized rates by using this telematics program that monitors driving habits to reward safe driving behavior.
- Comprehensive Coverage Options: Extensive policy options that can be customized to fit specific needs, including accident forgiveness. Scion xD drivers can choose from various add-ons such as rental car reimbursement and roadside assistance. Learn more through our Progressive insurance review.
Cons
- Customer Service: Some customers report mixed experiences with customer service responsiveness and satisfaction. Scion xD enthusiasts may find the service lacking compared to other top providers.
- Complex Discounts: Navigating the various discounts available can be complicated and may require careful attention to details. Scion xD owners might find it challenging to maximize their savings without thorough research.
#2 – USAA: Best for Excellent Service
Pros
- Excellent Customer Service: Consistently ranked high for customer satisfaction, providing reliable support to Scion xD drivers. USAA’s service is particularly praised for its responsiveness and helpfulness.
- Exclusive Membership Benefits: Offers unique benefits for military members and their families, including Scion xD enthusiasts who are veterans or active-duty members. These benefits can include discounted rates and specialized coverage options.
- Highly Rated Financial Strength: A++ rating from A.M. Best, indicating superior financial stability. Scion xD owners can trust that USAA will be able to pay out claims reliably and promptly. Read more through our USAA insurance review.
Cons
- Eligibility Restrictions: Membership is restricted to military members, veterans, and their families, which limits access for many Scion xD enthusiasts. This exclusivity can be a significant drawback for those who are not eligible.
- Premium Costs: Monthly rates start at $52, which can be higher than some competitors for non-military members. Scion xD owners may find cheaper options elsewhere if they do not qualify for USAA’s exclusive benefits.
#3 – State Farm: Best for Extensive Options
Pros
- Extensive Coverage Options: Provides a wide range of policy options starting at $57 per month, tailored to meet the needs of Scion xD drivers. This includes various types of coverage such as liability, collision, and comprehensive.
- Local Agents: Offers personalized service through a network of local agents, which can be beneficial for Scion xD owners who prefer face-to-face interactions. These agents can provide tailored advice and assistance.
- Discounts for Safe Driving: State Farm’s Drive Safe & Save program rewards Scion xD drivers for safe driving habits with potential discounts. This usage-based program can help reduce premiums significantly. Learn more through our State Farm insurance review.
Cons
- Higher Starting Rates: With monthly premiums starting at $57, State Farm may be more expensive compared to some competitors. Scion xD drivers might find better deals elsewhere if cost is their primary concern.
- Average Financial Rating: State Farm holds a B rating from A.M. Best, which is lower than some competitors. This might raise concerns for Scion xD owners regarding the company’s financial stability.
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#4 – Allstate: Best for Drivewise Discounts
Pros
- Drivewise Discounts: Offers discounts through the Drivewise program, rewarding Scion xD drivers for safe driving. This program tracks driving habits and can lead to significant savings.
- Customizable Coverage: Provides a variety of coverage options and add-ons, allowing Scion xD owners to tailor their policies to their specific needs. Options include accident forgiveness and new car replacement. Learn more through our Allstate insurance review.
- Wide Range of Discounts: Allstate offers numerous discounts, such as those for bundling policies, safe driving, and having safety features in the vehicle. Scion xD drivers can maximize their savings by taking advantage of these discounts.
Cons
- Mixed Customer Reviews: Some Scion xD owners report mixed experiences with Allstate’s customer service, citing issues with claim processing and responsiveness.
- Higher Premiums: Starting at $61 per month, Allstate’s rates can be higher than those of other providers. Scion xD enthusiasts looking for the cheapest option might need to explore other insurers.
#5 – Farmers: Best for Specialized Coverage
Pros
- Specialized Coverage Options: Offers unique and specialized coverage options tailored to Scion xD owners, such as OEM parts coverage. This ensures that repairs use original manufacturer parts.
- Claims-Free Rewards: Rewards Scion xD drivers for not filing claims with features like accident forgiveness and claim-free discounts, encouraging safe driving habits.
- Strong Financial Rating: Rated A by A.M. Best, demonstrating financial stability and reliability in claims handling. Scion xD enthusiasts can trust Farmers to manage their claims effectively. Learn more through our Farmers insurance review.
Cons
- Higher Premium Rates: Starting at $68 per month, Farmers’ premiums are on the higher side compared to other providers. Scion xD owners may need to balance cost with the specialized coverage offered.
- Limited Discounts: Fewer discount options compared to some competitors, which may limit the potential savings for Scion xD enthusiasts.
#6 – Liberty Mutual: Best for Customizable Coverage
Pros
- Customizable Coverage: Liberty Mutual offers highly customizable policies to suit the specific needs of Scion xD drivers. Options include new car replacement and better car replacement coverage.
- Accident Forgiveness: Includes accident forgiveness in its policies, which helps Scion xD owners avoid rate increases after their first accident. Check out insurance savings in our complete guide titled “Liberty Mutual Review & Ratings.”
- 24/7 Claims Assistance: Provides round-the-clock claims assistance, offering peace of mind for Scion xD drivers in the event of an accident or emergency.
Cons
- Higher Starting Rates: With premiums starting at $74 per month, Liberty Mutual may be more expensive than some competitors. Scion xD owners may need to weigh the benefits of customization against the higher cost.
- Mixed Customer Reviews: Some Scion xD enthusiasts report dissatisfaction with the claims handling process and customer service responsiveness.
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#7 – Nationwide: Best for Vanishing Deductible
Pros
- Vanishing Deductible: Nationwide offers a vanishing deductible program, reducing the deductible amount over time for safe Scion xD drivers. This feature rewards long-term safe driving.
- Wide Range of Discounts: Offers numerous discounts for Scion xD owners, including multi-policy discounts, safe driver discounts, and more. These discounts can help reduce overall insurance costs.
- Strong Financial Rating: Rated A+ by A.M. Best, indicating strong financial health and reliability in claims handling. Scion xD enthusiasts can feel secure with Nationwide’s stability. Read more through our Nationwide insurance review.
Cons
- Higher Premium Rates: Starting at $79 per month, Nationwide’s premiums are on the higher end. Scion xD owners may need to consider the trade-off between premium cost and available discounts.
- Complex Policies: Some Scion xD enthusiasts may find Nationwide’s policies and discounts complicated to navigate, potentially leading to confusion and missed savings opportunities.
#8 – Travelers: Best for Coverage Options
Pros
- Extensive Coverage Options: Travelers offers a wide range of coverage options for Scion xD owners, including gap insurance, new car replacement, and accident forgiveness. This flexibility allows for tailored policies.
- Highly Rated for Financial Stability: With an A++ rating from A.M. Best, Travelers demonstrates excellent financial health, ensuring reliable claims handling for Scion xD enthusiasts.
- Safe Driver Discounts: Provides discounts for safe driving, encouraging Scion xD drivers to maintain good driving habits and reduce their premiums over time. Discover more about offerings in our article titled “Travelers Insurance Review & Ratings.”
Cons
- Higher Starting Premiums: With rates starting at $83 per month, Travelers can be more expensive than other providers. Scion xD drivers might find better deals elsewhere if cost is a primary concern.
- Mixed Customer Reviews: Some Scion xD enthusiasts report inconsistent experiences with customer service and claims processing, which can be a drawback for those prioritizing service quality.
#9 – American Family: Best for Comprehensive Coverage
Pros
- Comprehensive Coverage: Known for offering comprehensive coverage options, American Family provides policies tailored to Scion xD owners, including collision, comprehensive, and liability coverage.
- Financial Stability: Rated A by A.M. Best, ensuring financial reliability and stability for handling claims. Scion xD enthusiasts can feel confident in American Family’s ability to pay out claims.
- Personalized Service: Provides personalized service through local agents who can offer tailored advice and support to Scion xD owners, enhancing the overall customer experience.
Cons
- Higher Premium Rates: Starting at $87 per month, American Family’s premiums are relatively high. Scion xD drivers might need to balance the comprehensive coverage against the cost.
- Limited Availability: Coverage may not be available in all states, potentially limiting access for some Scion xD enthusiasts. Access comprehensive insights into our article called “American Family Insurance Review & Ratings.”
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#10 – Geico: Best for Competitive Rates
Pros
- Competitive Rates: Known for offering competitive rates, Geico’s premiums start at $93 per month, making it a viable option for Scion xD drivers seeking affordability. Read more through our “How can I pay my Geico insurance premium?“
- User-Friendly Digital Experience: Offers a highly-rated mobile app and online services, providing Scion xD owners with easy access to policy management and claims filing.
- Wide Range of Discounts: Provides numerous discounts, including those for good drivers, multi-policy holders, and vehicle safety features, helping Scion xD drivers reduce their insurance costs.
Cons
- Customer Service: Some Scion xD enthusiasts report mixed experiences with customer service, noting difficulties in reaching representatives and resolving issues.
- Higher Starting Rates: Starting at $93 per month, Geico’s premiums can be higher than those of other providers, which might be a drawback for budget-conscious Scion xD owners.
Factors That Affect Scion xD Car Insurance Rates
Understanding the Different Types of Car Insurance Coverage for Scion xD
Before exploring the cost of Scion xD car insurance, it’s important to understand the different types of car insurance coverage available.
These include liability coverage for damages you cause to others, collision coverage for repairs or replacement of your vehicle and comprehensive coverage for non-collision incidents like theft or natural disasters.
Also, personal injury protection (PIP) for medical expenses and lost wages, and uninsured/underinsured motorist coverage for protection if you’re in an accident with a driver who lacks sufficient insurance. Enter your ZIP code now to begin comparing.
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Tips for Finding Affordable car Insurance for Your Scion xD
Now that we’ve discussed the factors affecting Scion xD car insurance rates and coverage options, here are some tips to help you find affordable insurance. First, shop around and compare quotes from different providers to get the best rate. Increasing your deductibles can lower premiums, but ensure you can cover the cost if you need to file a claim.
Bundling your car insurance with other policies, such as homeowners or renters insurance, can also lead to savings. Maintaining a good credit score is crucial, as it can help secure lower rates. Finally, take advantage of any discounts available, like those for safe driving or completing defensive driving courses.
Comparing Car Insurance Quotes for the Scion xD: A Comprehensive Guide
Frequently Asked Questions
What factors affect the cost of Scion xD car insurance?
The cost of Scion xD car insurance can be influenced by several factors, including the driver’s age, driving record, location, coverage options, deductibles, and the insurance provider’s rates.
Are there any specific safety features that can help lower the insurance cost for a Scion xD?
Yes, the Scion xD comes equipped with various safety features such as anti-lock brakes, stability control, and multiple airbags.
These safety features may help lower the insurance cost as they reduce the risk of accidents and injuries. Enter your ZIP code now.
Is it more expensive to insure a new Scion xD compared to an older model?
Does the location where I live affect the cost of insuring a Scion xD?
Yes, the location where you live can impact the cost of insuring a Scion xD. Areas with higher crime rates or higher instances of accidents may result in higher insurance premiums. Additionally, densely populated urban areas may have higher insurance costs compared to rural areas.
What are the monthly rates for car insurance from Progressive for Scion xD drivers?
Progressive offers car insurance for Scion xD drivers at a monthly rate of $48. This makes it one of the most affordable options for Scion xD owners. Enter your ZIP code now to begin comparing.
Which insurance company offers the Snapshot Program and how does it benefit Scion xD owners?
Why might Scion xD enthusiasts choose USAA for their car insurance needs?
USAA is known for its excellent service and has an A++ rating from A.M. Best, ensuring reliability and high customer satisfaction. This makes it a great choice for Scion xD enthusiasts seeking top-notch service.
What makes Allstate a good option for Scion xD drivers looking for discounts?
Allstate offers Drivewise Discounts, which reward safe driving behavior with lower premiums. Scion xD drivers who prioritize safety can benefit significantly from these discounts. Enter your ZIP code now to begin.
How does Nationwide’s Vanishing Deductible program benefit Scion xD owners?
Which insurance provider has the highest A.M. Best rating and what is it?
Geico has the highest A.M. Best rating of A++, indicating superior financial stability and reliability. This assures Scion xD owners of dependable claims handling and overall trustworthiness.
Compare The Best Insurance Quotes In The Country
Compare quotes from the top insurance companies and save!
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Schimri Yoyo
Licensed Agent & Financial Advisor
Schimri Yoyo is a financial advisor with active life and health insurance licenses in seven states and over 20 years of experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity. Schimri is an educator eager to assist individuals and families in ...
Licensed Agent & Financial Advisor
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
