Volvo XC90 Insurance Rates

Average insurance prices for a Volvo XC90 are $1,050 every 12 months for full coverage insurance. Comprehensive costs an estimated $180, collision costs $238, and liability costs around $474. A policy with just liability insurance costs as low as $522 a year, with coverage for high-risk drivers costing around $2,256. Teens receive the highest rates at $4,188 a year or more.

Average premium for full coverage: $1,050

Rate estimates broken down by individual coverage type:

These estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all 50 states and for all XC90 models.

Price Range by Coverage and Risk

Price Range by Location

Where you live can make a big difference on the price of insurance. More rural locations tend to have more infrequent physical damage claims than cities with more traffic congestion.

The example below illustrates the difference location can make on insurance prices.

These examples illustrate why everyone should compare prices for a targeted area and their own driving history, instead of making a decision based on averaged prices.

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

Rates by State, City, and Model

The chart below illustrates estimated Volvo XC90 insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $635
• Using higher $1,000 deductibles will save approximately $96 each year
• The average price for a 40-year-old driver who has $500 deductibles is $1,050
• Selecting pricier low deductibles for physical damage coverage increases the price to $1,230
• High-risk insureds with serious driving violations could pay up to $2,256 or more
• The cost to insure a 16-year-old driver for full coverage can cost as much as $4,188 or more

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Insurance rates for a Volvo XC90 can also vary considerably based on policy deductibles and limits, your risk profile, and the model year and trim level.

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $280 annually, whereas buying more liability protection will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $426 more each year. View Rates by Deductible or Liability Limit

A more mature driver with no violations or accidents and higher deductibles may pay as low as $1,000 a year for full coverage. Rates are much higher for teen drivers, since even excellent drivers should be prepared to pay at least $4,100 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are probably paying $1,200 to $1,800 additional per year, depending on your age. Volvo XC90 insurance for high-risk drivers can be from 43% to 127% more than the average policy. View High Risk Driver Rates

Where you live has a huge impact on Volvo XC90 insurance prices. A driver around age 40 might see rates as low as $690 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,420 on average in Florida, New York, and Michigan.

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With so much variability in rates, the only way to figure out which company is cheapest is to regularly compare rates from multiple companies. Each insurance company calculates rates differently, and rates can be significantly different.

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 Shop for Cheap Volvo XC90 Insurance

Saving money on insurance for a Volvo XC90 requires having a decent driving record, having above-average credit, avoid buying unnecessary coverage, and maximizing policy discounts. Make time to compare rates at every policy renewal by requesting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The following items are a brief summary of the data touched on in this article.

• Insureds who want additional liability coverage will pay approximately $520 annually to increase from a minimum limit to a 250/500 level
• It is possible to save approximately $120 per year simply by quoting online well ahead of the renewal date
• Increasing deductibles could save as much as $275 each year
• 16 to 18-year-old drivers are expensive to insure, costing up to $349 per month if full coverage is included