Volvo XC90 Insurance Rates

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

Average premium for full coverage: $1,050

Policy rates for type of insurance:

Prices are based on $500 policy deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all states and XC90 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on auto insurance rates. Areas with sparse population are shown to have more infrequent accident claims than densely populated cities.

The diagram below illustrates the difference location can make on auto insurance rates.

The examples above show why it is important to compare rates for a specific zip code and their own driving history, rather than using average rates.

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

Rate Comparisons

The chart below shows estimated Volvo XC90 insurance rates for additional coverage choices and driver risks.

• The best discount rate is $635
• Drivers who choose higher $1,000 deductibles will pay about $954 a year
• The average price for a good driver age 40 using $500 deductibles is $1,050
• Using low $100 deductibles for comprehensive and collision insurance costs an extra $180 each year
• High-risk insureds who are prone to accidents and violations could pay at least $2,256 or more
• Policy cost to insure a teenage driver can be $4,188 a year

View Chart as Image

Car insurance rates for a Volvo XC90 also range considerably based on liability limits and deductibles, your driver profile, and the trim level and model year.

Using high physical damage deductibles could save up to $280 a year, while buying higher liability limits will increase rates. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles may only pay around $1,000 per year on average, or $83 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged as much as $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 could be paying at least $1,200 to $1,800 extra every year, depending on your age. A high-risk auto insurance policy can cost around 43% to 127% more than a normal policy. 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 $690 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,500 on average in Michigan, Louisiana, and New York.

View Chart as Image

Because rates have so much variability, the only way to know your exact price is to get quotes and see how they stack up. Every company uses a different method to calculate rates, so rate quotes 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 Affordable Volvo XC90 Insurance

Finding cheaper rates on auto insurance not only requires being a good driver, but also maintaining a good credit score, avoid buying unnecessary coverage, and qualifying for all possible discounts. Make time to compare rates once a year by getting quotes from direct carriers, and also from local exclusive and independent agents.

The following list is a brief review of the data that was touched on in this article.

• Drivers can save up to $120 per year simply by quoting early and online
• Consumers who may need an increased level of liability coverage will pay an extra $520 each year to go from a 30/60 limit to a 250/500 level
• Drivers age 16 to 20 are the costliest to insure, costing up to $349 each month if the policy includes full coverage
• Drivers with DUI or reckless driving convictions may pay on average $1,210 more every year than a safer driver