Volvo XC90 Insurance Rates

Estimated insurance rates for a Volvo XC90 are $1,050 a year with full coverage. Comprehensive costs approximately $180 a year, collision insurance costs $238, and liability insurance costs $474. Liability-only insurance costs as little as $522 a year, and high-risk driver insurance costs around $2,256. Teenage drivers pay the most at up to $4,188 a year.

Average premium for full coverage: $1,050

Premium estimates by type of coverage:

Prices are based on $500 policy deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all U.S. states and XC90 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a significant impact on the price of insurance. Rural locations are statistically proven to have lower incidents of collision claims than densely populated cities. The diagram below illustrates how geographic area affects auto insurance prices.

These rate differences demonstrate why it is important to compare rates using their specific location, rather than relying on average rates.

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

Detailed Rate Analysis

The chart below details average 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 $954 annually
• The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,050
• Using low $100 deductibles for comprehensive and collision insurance bumps up the cost to $1,230
• High risk drivers who are prone to accidents and violations could pay around $2,256
• An auto insurance policy that insures a teen driver can cost $4,188 a year

View Chart as Image

Insurance prices for a Volvo XC90 also have a wide range based on the trim level of your XC90, your age and driving habits, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you may be forking out anywhere from $1,200 to $1,800 additional annually, depending on your age. A high-risk auto insurance policy can cost anywhere from 43% to 127% more than a normal policy. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,000 per year 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 makes a big difference in Volvo XC90 insurance rates. A 40-year-old driver could pay as low as $760 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,420 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles could save up to $280 each year, while buying higher liability limits will push prices upward. Moving 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

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 Affordable Volvo XC90 Insurance

Finding better rates on Volvo XC90 insurance not only requires being safe and accident-free, but also having a good credit score, being claim-free, and consideration of higher deductibles. Compare prices at every policy renewal by getting quotes from direct companies, and also from local insurance agencies.

Below you'll find a brief review of the data presented in the illustrations above.

• Drivers who purchase more liability protection will pay an extra $520 every year to go from 30/60 bodily injury limits to the 250/500 level
• You may be able to save around $120 per year just by quoting early and online
• Increasing policy deductibles can save approximately $275 each year
• Youthful drivers are the costliest to insure, possibly costing $349 per month if comprehensive and collision insurance is included