Volvo XC90 Insurance Rates

The average insurance rates for a Volvo XC90 are $1,050 a year for full coverage insurance. Comprehensive insurance costs on average $180 each year, collision costs $238, and liability costs around $474. A liability-only policy costs as low as $522 a year, with high-risk 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 by type of insurance:

Prices include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all 50 states and XC90 models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on insurance rates. Rural areas are shown to have lower incidents of physical damage claims than densely populated cities.

The graphic below illustrates how where you live affects car insurance rates.

The examples above illustrate why all drivers should compare prices based on a specific location, instead of using average rates.

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

More Rate Details

The chart below illustrates estimated Volvo XC90 insurance rates for different risk profiles and scenarios.

• The best discount rate is $635
• Using higher $1,000 deductibles will save around $96 each year
• The estimated price for a good driver age 40 with $500 deductibles is $1,050
• Using low deductibles for physical damage coverage will cost an additional $180 every year
• Drivers who are prone to accidents and violations could pay upwards of $2,256 or more
• Policy cost that insures a teen driver may cost $4,188 or more

View Chart as Image

Car insurance rates for a Volvo XC90 also range considerably based on the trim level and model year, your age and driving record, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you are probably paying at a minimum $1,200 to $1,800 extra every year, depending on your age. Insurance for high-risk drivers can be as much as 43% to 127% more than a normal policy. View High Risk Driver Rates

More mature drivers with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,000 a year, or $83 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will be charged upwards of $4,100 a year. View Rates by Age

Your home state 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 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

Using high physical damage deductibles could cut rates by as much as $280 every year, whereas increasing liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to figure out exactly what you will pay is to do a rate comparison and see which company has the best rate. Each insurance company uses a different method to calculate rates, so rate quotes will be varied.

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 the Right Volvo XC90 Insurance

Finding cheaper rates on car insurance requires being a low-risk driver, having a positive credit history, being claim-free, and maximizing policy discounts. Compare prices every time your policy renews by getting quotes from direct insurance companies, and also from your local independent and exclusive agents.

The items below are a quick rundown of the information touched on in the above illustrations.

• It is possible to save as much as $120 per year simply by quoting online in advance
• Teen drivers are expensive to insure, possibly costing $349 each month if full coverage is purchased
• Increasing comprehensive and collision deductibles can save approximately $275 each year
• Higher risk drivers with reckless driving or DUI convictions may pay on average $1,210 more each year to insure their XC90
• Policyholders who require more liability coverage will pay an extra $520 annually to increase from a 30/60 limit to the 250/500 level