Volvo XC90 Insurance Rates

Estimated insurance rates for a Volvo XC90 are $1,086 a year for full coverage. Comprehensive insurance costs approximately $192 each year, collision costs $262, and liability coverage costs $474. Liability-only coverage costs as little as $522 a year, with high-risk coverage costing $2,334 or more. 16-year-old drivers pay the most at $4,298 a year or more.

Average premium for full coverage: $1,086

Premium estimates by type of coverage:

These estimates include $500 deductible amounts, 30/60 liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all states and XC90 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a large influence on car insurance rates. Rural locations are statistically proven to have a lower frequency of accident claims than congested cities.

The graphic below illustrates how geographic area affects auto insurance prices.

These rate differences show why all drivers should compare rates using their specific location and risk profile, rather than using rate averages.

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

Rate Comparisons

The chart below shows estimated Volvo XC90 insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $653
• Drivers who choose higher $1,000 deductibles will pay $104 a year
• The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,086
• Buying low deductibles for comprehensive and collision insurance will cost an extra $196 each year
• High-risk insureds with multiple tickets or accidents could pay around $2,334 or more
• An auto insurance policy for full coverage for a teenage driver can cost $4,298 a year

View Chart as Image

Insurance prices for a Volvo XC90 also have a wide range based on your driving characteristics, the trim level of your XC90, and physical damage deductibles and liability limits.

More mature drivers with a clean driving record and high deductibles may only pay around $1,000 per year on average, or $83 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers can expect to pay in the ballpark of $4,200 a year. View Rates by Age

Where you choose to live makes a big difference in Volvo XC90 insurance rates. A 40-year-old driver could pay as low as $720 a year in states like Iowa, Maine, and Idaho, or at least $1,550 on average in New York, Louisiana, and Michigan.

View Chart as Image

Opting for high physical damage deductibles could save up to $300 a year, whereas increasing liability limits will push prices upward. Going from a 50/100 limit to a 250/500 limit will cost up to $426 more per year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you could be paying anywhere from $1,300 to $1,800 extra annually, depending on your age. Insurance for high-risk drivers can cost around 42% to 133% more than the average rate. View High Risk Driver Rates

With such a large range in prices, the only way to know who has the cheapest car insurance prices is to do a rate comparison and see how they stack up. Every company utilizes a different rate formula, so the prices will be substantially different from one company to the next.

Insurance Rates by Trim Level and Model Year

Rates assume 2011 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Find Cheap Volvo XC90 Insurance

Finding better rates on auto insurance not only requires having a good driving record, but also maintaining good credit, not filing small claims, and maximizing policy discounts. Invest the time to compare rates at every policy renewal by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The next list is a brief summary of the data presented in the illustrations above.

• Consumers who purchase increased levels of liability coverage will pay around $520 each year to go from 30/60 bodily injury limits to 250/500 limits
• Drivers can save around $120 per year simply by quoting online in advance
• Increasing policy deductibles can save around $300 each year
• Drivers age 20 and younger are expensive to insure, as much as $358 per month for full coverage