Volvo XC90 Insurance Rates

Estimated insurance rates for a Volvo XC90 are $1,086 a year for full coverage. Comprehensive costs approximately $192 a year, collision insurance costs $262, and liability costs around $474. Liability-only insurance costs as low as $522 a year, and high-risk driver insurance costs around $2,334. Teenage drivers pay the most at up to $4,298 a year.

Average premium for full coverage: $1,086

Premium estimates by type of coverage:

Prices are based on $500 comprehensive and collision deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates include averaging for all states and XC90 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can have significant affects on car insurance rates. Rural locations are statistically proven to have a lower frequency of accident claims than densely populated cities. The diagram below illustrates how rural and urban location affects auto insurance prices.

These rate differences show why it is important to compare prices using their specific location and risk profile, instead of using average rates.

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

Additional Rate Details

The chart below shows average Volvo XC90 insurance rates for additional coverage and risk scenarios.

• The best discount rate is $653
• Using higher $1,000 deductibles will save $982 a year
• The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,086
• Using low $100 deductibles for physical damage coverage will increase the cost to $1,282
• Drivers who are prone to accidents and violations could pay around $2,334
• An auto insurance policy for full coverage for a teen driver can cost $4,298 or more

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

Older drivers with no violations or accidents and high deductibles may pay as little as $1,000 a year, or $83 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers should be prepared to pay in the ballpark of $4,200 a year. View Rates by Age

Where you choose to live has a huge impact on Volvo XC90 insurance prices. A driver around age 40 might see prices as low as $720 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,550 on average in New York, Louisiana, and Michigan.

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Using high physical damage deductibles could cut prices by as much as $300 every year, while buying higher liability limits will push prices upward. Going from a 50/100 limit to a 250/500 limit will cost up to $426 more each year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you could be paying anywhere from $1,300 to $1,800 additional annually, depending on your age. A high-risk auto insurance policy can be as much as 42% to 133% more than a normal policy. View High Risk Driver Rates

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 car insurance requires avoiding accidents and violations, having a good credit history, not filing small claims, and consideration of higher deductibles. Set aside time to shop around once a year by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The list below is a brief review of the data that was raised in the charts and tables above.

• Drivers can save around $120 per year just by quoting early and online
• Policyholders who purchase higher liability limits will pay an extra $520 each year to increase from 30/60 bodily injury limits to 250/500 limits
• Teenagers are the costliest to insure, as much as $358 per month including comprehensive and collision insurance
• Higher risk drivers with DUI or reckless driving convictions may pay on average $1,250 more per year for car insurance