Volvo XC90 Insurance Rates

The average insurance rates for a Volvo XC90 are $1,050 a year including full coverage. Comprehensive costs approximately $180, collision costs $238, and liability coverage costs $474. Liability-only insurance costs as little 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 by type of insurance:

Rate estimates include $500 deductible amounts, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and for all XC90 models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on car insurance prices. Rural locations are shown to have a lower frequency of comprehensive and collision claims than densely populated cities.

The example below illustrates the difference location can make on auto insurance prices.

The examples above highlight why everyone should compare rates using their specific location and risk profile, rather than 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 additional coverage and risk scenarios.

• The best discount rate is $635
• Drivers who choose higher $1,000 deductibles will pay $96 every year
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,050
• Using pricier low deductibles for comprehensive and collision insurance will increase the cost to $1,230
• High-risk insureds who are prone to accidents and violations could pay around $2,256 or more
• Policy cost for full coverage for a teenage driver for full coverage can cost $4,188 a year

View Chart as Image

Auto insurance rates for a Volvo XC90 also range considerably based on your risk profile, the model of your XC90, and physical damage deductibles and liability limits.

A more mature driver with a good driving record and high deductibles may only pay around $1,000 per year on average, or $83 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay in the ballpark of $4,100 a year. View Rates by Age

Your home state makes a big difference in Volvo XC90 insurance rates. A 40-year-old driver could pay as low as $810 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,500 on average in Louisiana, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could save up to $280 a year, whereas buying more liability protection will push rates upward. Changing 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 are likely paying anywhere from $1,200 to $1,800 in extra premium every year, depending on your age. Volvo XC90 insurance for high-risk drivers can cost around 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 who has the best auto insurance rates is to regularly compare rates and see how they stack up. Every 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 the Best Volvo XC90 Insurance

Finding cheaper rates on auto insurance not only requires having a good driving record, but also having good credit, paying for small claims out-of-pocket, and not having any coverage lapses. Make time to compare rates at every other renewal by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The next list is a brief recap of the concepts that were touched on in this article.

• Drivers who tend to receive serious violations could be forced to pay on average $1,210 more per year to buy Volvo XC90 insurance
• Drivers age 20 and younger have the highest car insurance rates, with premiums being up to $349 each month if they have full coverage
• You may be able to save around $120 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save around $275 each year
• You may be able to save around $120 per year simply by quoting online well ahead of the renewal date