Volvo XC90 Insurance Rates

The average insurance rates for a Volvo XC90 are $1,050 a year for full coverage insurance. Comprehensive costs an estimated $180, collision insurance costs $238, and liability costs around $474. A liability-only policy costs as low as $522 a year, and high-risk insurance costs around $2,256. Teenage drivers cost the most to insure at up to $4,188 a year.

Average premium for full coverage: $1,050

Policy rates broken down by type of insurance:

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

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on the price of insurance. More rural locations are shown to have lower incidents of physical damage claims than densely populated cities. The example below illustrates how geographic area affects insurance prices.

The examples above illustrate why everyone should compare prices for a targeted area, instead of making a decision based on average rates.

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

Additional Rate Information

The chart below illustrates average Volvo XC90 insurance rates for other coverage scenarios.

• The best discount rate is $635
• Using higher $1,000 deductibles will save approximately $96 each year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,050
• Using pricier low deductibles for physical damage coverage bumps up the cost to $1,230
• High-risk insureds who are prone to accidents and violations could pay up to $2,256
• Policy cost that insures a 16-year-old driver for full coverage can cost as much as $4,188 or more

View Chart as Image

Car insurance rates for a Volvo XC90 also range considerably based on the model of your XC90, your age and driving record, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you are probably paying $1,200 to $1,800 extra every year, depending on your age. Volvo XC90 insurance for high-risk drivers can be from 43% to 127% more than a normal policy. View High Risk Driver Rates

A more mature driver with no driving violations and higher comprehensive and collision deductibles may pay as low 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 at least $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 North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,420 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $280 annually, whereas buying more liability protection will increase premiums. 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

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 insurance for a Volvo XC90 requires being a low-risk driver, having a positive credit history, being claim-free, and possibly higher deductibles. Compare prices every year by getting rate quotes from direct insurance companies, and also from local insurance agencies.

The items below are a quick rundown of the coverage data presented in the illustrations above.

• It is possible to save approximately $120 per year just by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save approximately $275 each year
• Teen drivers have the highest car insurance rates, possibly costing $349 each month if full coverage is purchased
• Drivers considered higher risk with reckless driving or DUI convictions may have to pay on average $1,210 more annually to insure their XC90