Volvo XC90 Insurance Rates

U.S. average insurance rates for a Volvo XC90 are $1,050 a year for full coverage insurance. Comprehensive insurance costs an estimated $180, collision costs $238, and liability insurance is $474. A policy with just liability insurance costs around $522 a year, with coverage for high-risk drivers costing $2,256 or more. Teenage drivers pay the highest rates at $4,188 a year or more.

Average premium for full coverage: $1,050

Price estimates broken down by individual coverage:

Full coverage includes $500 policy deductibles, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 states and for different XC90 trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a significant impact on the price of insurance. More rural locations have a lower frequency of physical damage claims than densely populated cities.

The price range example below illustrates how your location can change insurance prices.

The ranges above illustrate why anyone shopping for car insurance should compare rates quotes for a targeted area and risk profile, rather than relying on average rates.

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

Additional Charts and Tables

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

• The best discount rate is $635
• Raising to $1,000 deductibles will save approximately $96 each year
• The average rate for the average middle-age driver who has $500 deductibles is $1,050
• Using more expensive low deductibles will cost an extra $180 a year
• Higher-risk drivers who are prone to accidents and violations could pay up to $2,256 or more
• The price for full coverage for a teen driver with full coverage can cost as much as $4,188

View Chart as Image

Insurance prices for a Volvo XC90 are also quite variable based on your driving record, the model year and trim level, and liability limits and deductibles.

An older driver with a clean driving record and high deductibles could pay as little as $1,000 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even good drivers can expect to pay at least $4,100 a year. View Rates by Age

The state you live in also has a big influence on Volvo XC90 insurance rates. A middle-age driver might find prices 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 can reduce prices by up to $280 each year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $426 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying $1,200 to $1,800 extra each year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 43% to 127% more than a normal policy. View High Risk Driver Rates

Since prices can be so different, the only way to figure out which car insurance is cheapest is to compare prices from as many companies as possible. Every auto insurance company uses a different method to calculate prices, so the prices may be quite different from one company to the next.

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 More Affordable Volvo XC90 Insurance

Getting lower rates on Volvo XC90 insurance consists of avoiding accidents and claims, maintaining good credit, not filing small claims, and taking advantage of discounts. Invest the time to shop around every year by getting quotes from direct insurance companies like Progressive and GEICO, and also from several local insurance agents.

The points below are a summary of the coverage data illustrated above.

• It is possible to save approximately $120 per year simply by shopping early and online
• Increasing physical damage deductibles can save around $275 each year
• Drivers under the age of 20 are charged the highest prices, as much as $349 a month for full coverage
• High-risk drivers who have multiple accidents or major violations pay on average $1,210 more annually to insure a Volvo XC90