Volvo XC90 Insurance Rates

The average insurance rates for a Volvo XC90 are $1,050 a year with full coverage. Comprehensive costs around $180 a year, collision costs $238, and liability insurance costs around $474. Liability-only insurance costs as low as $522 a year, with high-risk driver insurance costing around $2,256. 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:

Estimates include $500 physical damage deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all U.S. states and XC90 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on insurance rates. Areas with sparse population are shown to have a lower frequency of collision claims than densely populated cities.

The diagram below illustrates how where you live affects auto insurance rates.

The examples above demonstrate why it is important to compare prices for a specific zip code and risk profile, rather than relying on average rates.

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

Additional Charts and Tables

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

• The best discount rate is $635
• Using higher $1,000 deductibles will save about $954 annually
• The average rate for a good driver age 40 using $500 deductibles is $1,050
• Using low $100 deductibles for physical damage coverage will increase the cost to $1,230
• Drivers who are prone to accidents and violations could pay at least $2,256 or more
• Policy cost for full coverage for a teen driver can be $4,188 or more

View Chart as Image

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

Older drivers with a good driving record and high deductibles could pay as little as $1,000 a year, or $83 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay as much as $4,100 a year. View Rates by Age

Your home state has a huge impact on Volvo XC90 insurance rates. A driver around age 40 might see rates as low as $760 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,420 on average in Florida, Michigan, and New York.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $280 each year, while buying higher liability limits will increase rates. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $426 extra every 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 at least $1,200 to $1,800 in extra premium every year, depending on your age. A high-risk auto insurance policy can be anywhere from 43% to 127% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the best way to find out your exact price is to get quotes from as many companies as possible. Each insurance company uses a different method to calculate rates, and quoted 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 Low Cost Volvo XC90 Insurance

Finding cheaper rates on Volvo XC90 insurance requires being a safe and courteous driver, having good credit, not filing small claims, and maximizing policy discounts. Take the time to comparison shop at least once a year by requesting rates from direct companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

Below is a review of the primary concepts that were touched on in the above illustrations.

• You may be able to save up to $120 per year simply by quoting early and online
• High-risk drivers who have several accidents or serious violations pay an average of $1,210 more every 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 if they have full coverage