Volvo XC90 Insurance Rates

Estimated auto insurance rates for a Volvo XC90 are $1,086 annually for full coverage insurance. Comprehensive insurance costs approximately $192 each year, collision insurance costs $262, and liability insurance is $474. Liability-only insurance costs around $522 a year, and high-risk driver insurance costs $2,334 or more. Teens pay the most at up to $4,298 a year.

Average premium for full coverage: $1,086

Premium estimates by type of coverage:

These estimates include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 states and XC90 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a significant impact on the price of auto insurance. Rural locations are statistically proven to have fewer physical damage claims than cities with more traffic congestion. The graphic below illustrates how location helps determine auto insurance prices.

These rate differences illustrate why all drivers should compare rates quotes using their specific location and their own personal driving habits, rather than relying on averaged prices.

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

Additional Rate Analysis

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

• The cheapest rate after discounts is $653
• Raising to $1,000 deductibles will save $104 each year
• The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,086
• Selecting low deductibles costs an additional $196 a year
• Higher-risk drivers with serious driving violations could pay around $2,334
• An auto insurance policy with full coverage for a teen driver can cost $4,298

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Insurance prices for a Volvo XC90 also have a wide range based on the model of your XC90, your risk profile, and physical damage deductibles and liability limits.

More mature drivers with no violations or accidents and high physical damage deductibles could pay as little as $1,000 every 12 months on average, or $83 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they should be prepared to pay in the ballpark of $4,200 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are probably paying anywhere from $1,300 to $1,800 additional annually, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 42% to 133% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $300 each year, whereas increasing liability limits will push prices upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $426 more each year. View Rates by Deductible or Liability Limit

Where you choose to live also has a big influence on Volvo XC90 insurance rates. A middle-age driver might find prices as low as $710 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,470 on average in Florida, New York, and Michigan.

View Chart as Image

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 Buy Cheap Volvo XC90 Insurance

Finding better rates on Volvo XC90 insurance consists of having a decent driving record, having good credit, paying for small claims out-of-pocket, and consideration of higher deductibles. Invest time comparing rates once a year by obtaining price quotes from direct insurance companies, and also from insurance agencies where you live.

The following items are a brief summary of the data that was covered in the charts and tables above.

• It is possible to save around $120 per year just by quoting online in advance
• Drivers who purchase additional liability coverage will pay approximately $520 annually to raise from 30/60 bodily injury limits to higher 250/500 limits
• 16 to 18-year-old drivers are the costliest to insure, with premiums being up to $358 per month if they have full coverage
• High-risk drivers that tend to have accidents or serious violations could be forced to pay on average $1,250 more per year than a driver with a clean driving record