Volvo XC90 Insurance Rates

Estimated insurance rates for a Volvo XC90 are $1,050 a year for full coverage. Comprehensive insurance costs approximately $180, collision costs $238, and liability insurance is estimated at $474. Liability-only insurance costs approximately $522 a year, with high-risk driver insurance costing $2,256 or more. Teens pay the most at $4,188 a year or more.

Average premium for full coverage: $1,050

Premium estimates by type of coverage:

These estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all states and for different XC90 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a significant impact on car insurance rates. Rural locations are statistically proven to have lower incidents of accident claims than cities with more traffic congestion.

The price range example below illustrates how where you live affects auto insurance prices.

These rate differences show why anyone shopping for car insurance should get quotes using their specific location, rather than relying on averaged prices.

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

Additional Charts and Tables

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

• The cheapest rate after discounts is $635
• Choosing higher $1,000 deductibles can save $96 a year
• The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,050
• Selecting more expensive low deductibles for comp and collision coverage will cost an additional $180 a year
• High-risk insureds with serious driving violations could pay around $2,256 or more
• An auto insurance policy that insures a teen driver with full coverage can cost $4,188 each year

View Chart as Image

Insurance prices for a Volvo XC90 also have a wide range based on the model year and trim level, how you drive, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you could be paying anywhere from $1,200 to $1,800 additional annually, depending on your age. High-risk driver insurance ranges anywhere from 43% to 127% more than the average policy. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,000 annually on average, or $83 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records should be prepared to pay in the ballpark of $4,100 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Volvo XC90 insurance rates. A good driver about age 40 could pay as low as $690 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,500 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $280 each year, while increasing your policy's liability limits will push prices upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $426 more each year. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to know who has the cheapest car insurance prices is to compare prices from as many companies as possible. Each auto insurer calculates prices differently, and prices will be substantially different.

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 better rates on Volvo XC90 insurance takes avoiding accidents and violations, having a good credit score, not filing small claims, and qualifying for all possible discounts. Compare rates at least once a year by requesting quotes from direct carriers, and also from insurance agencies where you live.

The list below is a brief summary of the primary concepts that were touched on in the above illustrations.

• Drivers can save around $120 per year simply by shopping early and online
• High-risk drivers that tend to have accidents or serious violations could be forced to pay on average $1,210 more per year for car insurance
• Increasing policy deductibles can save approximately $275 each year
• Teenagers are the costliest to insure, as much as $349 per month if comprehensive and collision insurance is included