Volvo XC90 Insurance Rates

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

Average premium for full coverage: $1,050

Policy rates by type of insurance:

Rates are based on $500 policy deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 U.S. states and XC90 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on car insurance rates. Rural areas are shown to have more infrequent comprehensive and collision claims than densely populated cities.

The diagram below illustrates how location impacts car insurance rates.

The examples above highlight why it is important to compare rates based on a specific location and their own driving history, instead of using average rates.

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

Additional Rate Details

The chart below breaks down estimated Volvo XC90 insurance rates for different risk profiles and scenarios.

• The best discount rate is $635
• Drivers who choose higher $1,000 deductibles will pay around $954 every year
• The average price for a good driver age 40 with $500 deductibles is $1,050
• Using low $100 deductibles for comprehensive and collision insurance increases the price to $1,230
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,256 or more
• Policy cost to insure a teen driver may cost $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 driving characteristics, and the trim level of your XC90.

Using high physical damage deductibles could save up to $280 every year, while buying higher liability limits will cost you more. Changing 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 pay as little as $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 upwards of $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 are likely paying at a minimum $1,200 to $1,800 extra every year, depending on your age. A high-risk auto insurance policy can cost as much as 43% to 127% more than a normal policy. View High Risk Driver Rates

Your home state makes a big difference in Volvo XC90 insurance prices. A 40-year-old driver could pay as low as $810 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,500 on average in Michigan, New York, and Louisiana.

View Chart as Image

Because rates have so much variability, the best way to figure out exactly what you will pay is to get quotes and see which company has the best rate. 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 the Best Cheap Volvo XC90 Insurance

Finding cheaper rates on car insurance not only requires being safe and accident-free, but also maintaining a good credit score, paying for small claims out-of-pocket, and maximizing policy discounts. Spend time shopping around at least every other year by requesting rates from direct car insurance companies, and also from your local independent and exclusive agents.

Below you'll find a quick review of the car insurance concepts touched on above.

• Higher risk drivers with a DUI or reckless driving violation may pay on average $1,210 more each year than a low-risk driver
• You may be able to save as much as $120 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles could save as much as $275 each year
• Policyholders who require more liability protection will pay an extra $520 per year to go from a 30/60 limit to a 250/500 level