Volvo XC90 Insurance Rates

The average insurance prices for a Volvo XC90 are $1,050 every 12 months including full coverage. Comprehensive insurance costs an estimated $180 each year, collision costs $238, and liability coverage costs $474. Liability-only coverage costs as little as $522 a year, with high-risk coverage costing $2,256 or more. Teen drivers cost the most to insure at $4,188 a year or more.

Average premium for full coverage: $1,050

Policy rates broken down by type of insurance:

Rate estimates include $500 policy deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and XC90 models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on the price of auto insurance. More rural locations are shown to have more infrequent comprehensive and collision claims than larger metro areas.

The graphic below illustrates how your location can change insurance prices.

The examples above highlight why all drivers should compare rates for a targeted area and their own driving history, rather than using price averages.

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

Rate Comparisons

The chart below breaks down estimated Volvo XC90 insurance rates for other coverage scenarios.

• The lowest rate with discounts is $635
• Drivers who choose higher $1,000 deductibles will pay approximately $96 every year
• The average price for a good driver age 40 who has $500 deductibles is $1,050
• Choosing low deductibles for comprehensive and collision insurance costs an extra $180 each year
• High-risk insureds with multiple violations and an at-fault accident could pay up to $2,256 or more
• Policy cost to insure a teenage driver can cost as much as $4,188 a year

View Chart as Image

Insurance rates for a Volvo XC90 also range considerably based on liability limits and deductibles, your driving characteristics, and the model year and trim level.

Choosing high deductibles could save up to $280 a year, whereas increasing liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $426 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles may only pay around $1,000 per year on average, or $83 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers should be prepared to pay at least $4,100 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying $1,200 to $1,800 additional every year, depending on your age. Insurance for high-risk drivers can cost around 43% to 127% more than average. View High Risk Driver Rates

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 as much as $1,500 on average in Louisiana, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to do a rate comparison and see how they stack up. Every company uses a different rate calculation, and rates 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 Shop for the Best Volvo XC90 Insurance

Finding cheaper rates on auto insurance not only requires avoiding accidents and claims, but also having above-average credit, paying for small claims out-of-pocket, and maximizing policy discounts. Invest the time to shop around at every policy renewal by getting quotes from direct car insurance companies, and also from local insurance agencies.

The points below are a brief recap of the data illustrated above.

• Consumers who want increased liability limits will pay about $520 per year to go from a 30/60 limit to a 250/500 level
• You may be able to save approximately $120 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles could save as much as $275 each year
• Drivers under the age of 20 are expensive to insure, with premiums being up to $349 each month if full coverage is included