Volvo XC90 Insurance Rates

The average insurance rates for a Volvo XC90 are $1,050 a year including full coverage. Comprehensive costs on average $180, collision costs $238, and liability is estimated at $474. Buying just liability costs approximately $522 a year, with insurance for high-risk drivers 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 by type of insurance:

Rate estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and for different XC90 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on car insurance rates. Rural areas are shown to have a lower frequency of comprehensive and collision claims than densely populated cities.

The price range example below illustrates how location helps determine car insurance rates.

The examples above highlight why anyone shopping for car insurance should get quotes based on a specific location and risk profile, instead of using average rates.

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

Additional Rate Information

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

• The best discount rate is $635
• Choosing higher $1,000 deductibles can save around $96 every year
• The average rate for a good driver age 40 with $500 deductibles is $1,050
• Using more expensive low deductibles for comp and collision coverage will increase the cost to $1,230
• Unlucky drivers who are prone to accidents and violations could pay upwards of $2,256 or more
• Policy cost for full coverage for a teen driver with full coverage may cost $4,188 each year

View Chart as Image

Insurance rates for a Volvo XC90 also range considerably based on your risk profile, the model of your XC90, and policy deductibles and limits.

An older driver with a clean driving record and high deductibles may pay as little as $1,000 annually on average, or $83 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay upwards of $4,100 a year. View Rates by Age

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 $810 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,500 on average in Michigan, New York, and Louisiana.

View Chart as Image

Using high physical damage deductibles can save as much as $280 every year, while increasing your policy's liability limits will cost you more. Changing 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 are likely paying at a minimum $1,200 to $1,800 extra every year, depending on your age. High-risk driver insurance ranges as much as 43% to 127% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out exactly what you will pay is to compare rates and see which company has the best rate. Each auto insurer uses a different method to calculate rates, 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 the Best Volvo XC90 Insurance

Finding cheaper rates on car insurance takes avoiding accidents and claims, maintaining good credit, paying for small claims out-of-pocket, and bundling your home and auto policies. Invest time comparing rates at every other renewal by quoting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The points below are a brief recap of the concepts that were covered in the charts and tables above.

• Higher risk drivers who tend to receive serious violations may pay on average $1,210 more each year to insure a Volvo XC90
• Drivers under the age of 20 pay the highest rates, with premiums being up to $349 each month for full coverage
• You may be able to save as much as $120 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles can save around $275 each year
• You may be able to save as much as $120 per year simply by shopping early and online