Volvo XC90 Insurance Rates

Estimated insurance prices for a Volvo XC90 are $1,050 every 12 months for full coverage insurance. Comprehensive insurance costs an estimated $180 a year, collision costs $238, and liability insurance costs around $474. A policy with only liability insurance costs as low as $522 a year, with a high-risk policy costing $2,256 or more. Teen drivers pay the most at $4,188 a year or more.

Average premium for full coverage: $1,050

Premium estimates broken down by type of coverage:

These estimates include $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 states and XC90 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a significant impact on the price of insurance. More rural locations are statistically proven to have more infrequent physical damage claims than larger metro areas.

The diagram below illustrates how geographic area affects insurance prices.

These rate differences illustrate why it is important to compare prices for a targeted area and their own driving history, rather than relying on price averages.

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

Additional Rate Analysis

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

• The lowest rate with discounts is $635
• Using higher $1,000 deductibles will save approximately $954 each year
• The average price for a 40-year-old good driver who has $500 deductibles is $1,050
• Choosing low $100 deductibles for physical damage coverage costs an extra $180 a year
• Drivers with multiple violations and an at-fault accident could pay up to $2,256 or more
• An auto insurance policy to insure a teen driver can cost as much as $4,188 or more

View Chart as Image

Car insurance prices for a Volvo XC90 also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the model year and trim level.

Choosing high deductibles could cut prices by as much as $280 each year, while buying higher liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles could pay as little as $1,000 a year, or $83 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will be charged at least $4,100 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are probably paying $1,200 to $1,800 extra annually, depending on your age. A high-risk auto insurance policy can be anywhere from 43% to 127% more than average. View High Risk Driver Rates

Where you choose to live has a huge impact on Volvo XC90 insurance rates. A driver around age 40 might see prices as low as $690 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,420 on average in Florida, New York, and Michigan.

View Chart as Image

With such a large range in prices, the only way to figure out which insurance company is cheapest is to get quotes from as many companies as possible. Each insurance company uses a different rate calculation, so rate quotes will be substantially different.

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 Cheap Volvo XC90 Insurance

Finding better rates on Volvo XC90 insurance requires being a safe and courteous driver, maintaining a good credit score, paying for small claims out-of-pocket, and not having any coverage lapses. Invest the time to compare rates at every other renewal by obtaining price quotes from direct insurance companies, and also from insurance agencies where you live.

Below is a brief summary of the concepts that were presented in the illustrations above.

• High-risk drivers that tend to have accidents or serious violations could be forced to pay on average $1,210 more annually for auto insurance
• Teenage drivers have the highest car insurance prices, with premiums being up to $349 per month if the policy includes full coverage
• It is possible to save approximately $120 per year simply by quoting early and online
• Increasing policy deductibles could save as much as $275 each year
• It is possible to save approximately $120 per year simply by quoting early and online