Volvo XC90 Insurance Rates

The average auto insurance rates for a Volvo XC90 are $1,050 annually with full coverage. Comprehensive insurance costs approximately $180, collision insurance costs $238, and liability costs $474. Liability-only coverage costs as little as $522 a year, and high-risk coverage costs $2,256 or more. Teens cost the most to insure at up to $4,188 a year.

Average premium for full coverage: $1,050

Policy rates by type of insurance:

Rate estimates include $500 policy deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and for different XC90 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on the price of insurance. Rural locations are shown to have fewer collision claims than cities with more traffic congestion. The price range example below illustrates how location impacts auto insurance prices.

The examples above demonstrate why anyone shopping for car insurance should compare rates using their specific location and their own personal driving habits, instead of making a decision based on averaged prices.

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

Additional Rate Analysis

The chart below details average Volvo XC90 insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $635
• Drivers who choose higher $1,000 deductibles will pay $96 annually
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,050
• Selecting more expensive low deductibles for comprehensive and collision insurance costs an additional $180 annually
• Drivers with serious driving violations could pay around $2,256
• Policy cost with full coverage for a 16-year-old driver with full coverage can cost $4,188 a year

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Insurance rates for a Volvo XC90 also range considerably based on the model year and trim level, your driving record, and physical damage deductibles and liability limits.

An older driver with no violations or accidents and high physical damage deductibles may pay as low as $1,000 per year on average, or $83 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared to pay in the ballpark of $4,100 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 anywhere from $1,200 to $1,800 additional every year, depending on your age. High-risk driver insurance can cost from 43% to 127% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could save up to $280 annually, while increasing your policy's liability limits will push rates upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $426 more each year. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Volvo XC90 insurance prices. A 40-year-old driver could pay as low as $760 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,420 on average in New York, Michigan, and Florida.

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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 Buy the Best Volvo XC90 Insurance

Finding cheaper rates on insurance for a Volvo XC90 not only requires being safe and accident-free, but also having good credit, not filing small claims, and consideration of higher deductibles. Spend time shopping around at least once a year by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

Below you'll find a brief recap of the primary concepts that were touched on above.

• You may be able to save around $120 per year just by shopping early and online
• Drivers considered higher risk who tend to receive serious violations may pay on average $1,210 more per year than a low-risk driver
• Increasing comprehensive and collision deductibles could save up to $275 each year
• Youthful drivers are the costliest to insure, as much as $349 each month if they have full coverage