Volvo XC90 Insurance Rates

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

Average premium for full coverage: $1,050

Policy rates for type of insurance:

Price estimates include $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 states and for different XC90 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on car insurance rates. Areas with sparse population are shown to have fewer physical damage claims than densely populated cities.

The price range example below illustrates how your location can change auto insurance rates.

The examples above illustrate why anyone shopping for car insurance should get quotes for a specific zip code and their own personal driving habits, instead of making a decision based on average rates.

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

Additional Rate Information

The chart below illustrates estimated Volvo XC90 insurance rates for additional coverage choices and driver risks.

• The best discount rate is $635
• Choosing higher $1,000 deductibles can save about $96 each year
• The estimated rate for a good driver age 40 using $500 deductibles is $1,050
• Using more expensive low deductibles for comp and collision coverage costs an additional $180 annually
• Higher-risk drivers who are prone to accidents and violations could pay at least $2,256 or more
• Policy cost with full coverage for a 16-year-old driver with full coverage can be $4,188 each year

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Auto insurance rates for a Volvo XC90 also range considerably based on the model year and trim level, your risk profile, and deductibles and policy limits.

An older driver with a good driving record and high physical damage deductibles may pay as low as $1,000 annually on average, or $83 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will have to pay as much as $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 are probably paying at least $1,200 to $1,800 in extra premium every year, depending on your age. High-risk driver insurance ranges from 43% to 127% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $280 annually, while increasing your policy's liability limits will increase rates. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $426 extra every year. View Rates by Deductible or Liability Limit

Your home state plays a big part in determining prices for Volvo XC90 insurance prices. A good driver about age 40 could pay as low as $690 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,420 on average in Michigan, New York, and Florida.

View Chart as Image

Because rates have so much variability, the only way to figure out your exact price is to compare rates from multiple companies. Each auto insurer uses a different method to calculate rates, and quoted rates will be varied between companies.

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 Cheaper Volvo XC90 Insurance

Finding cheaper rates on insurance for a Volvo XC90 takes being a low-risk driver, having above-average credit, being claim-free, and maximizing policy discounts. Invest the time to shop around at every other renewal by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The items below are a condensed summary of the concepts that were illustrated above.

• Drivers considered higher risk with multiple at-fault accidents pay on average $1,210 more every year to insure their XC90
• Teen drivers are expensive to insure, possibly costing $349 each month if full coverage is included
• It is possible to save up to $120 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles could save up to $275 each year
• It is possible to save up to $120 per year simply by shopping early and online