Volvo XC90 Insurance Rates

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

Average premium for full coverage: $1,050

Policy rates by type of insurance:

These estimates include $500 physical damage deductibles, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all U.S. states and XC90 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on the price of insurance. Rural locations are shown to have a lower frequency of collision claims than larger metro areas.

The diagram below illustrates how location helps determine auto insurance prices.

The examples above demonstrate why it is important to compare rates quotes using their specific location and risk profile, instead of making a decision based on price averages.

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

Rate Comparisons

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

• The lowest rate with discounts is $635
• Raising to $1,000 deductibles will save $954 annually
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,050
• Choosing low $100 deductibles will increase the cost to $1,230
• Drivers with multiple violations and an at-fault accident could pay around $2,256 or more
• Policy cost for full coverage for a 16-year-old driver can cost $4,188

View Chart as Image

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

Older drivers with a clean driving record and high deductibles may pay as low as $1,000 every 12 months on average, or $83 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay in the ballpark of $4,100 a year. View Rates by Age

Your home state also has a big influence on Volvo XC90 insurance prices. A middle-age driver might find rates as low as $760 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,420 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing high deductibles can reduce rates by up to $280 annually, while buying higher liability limits will push rates upward. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $426 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out anywhere from $1,200 to $1,800 extra every year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 43% to 127% more than average. View High Risk Driver Rates

Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to get quotes from multiple companies. Every auto insurance company uses a different rate calculation, so the rates will be varied 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 cheaper rates on insurance for a Volvo XC90 consists of being a safe and courteous driver, maintaining good credit, not filing small claims, and maximizing policy discounts. Invest time comparing rates at least once a year by requesting rates from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

Below is a brief summary of the primary concepts that were covered in the charts and tables above.

• You may be able to save around $120 per year simply by quoting early and online
• Drivers considered higher risk that tend to have accidents or serious violations pay on average $1,210 more per year for auto insurance
• Increasing comprehensive and collision deductibles can save around $275 each year
• Teenage drivers are expensive to insure, as much as $349 each month for full coverage