Volvo XC90 Insurance Rates

The average insurance rates for a Volvo XC90 are $1,050 a year for full coverage. Comprehensive costs an estimated $180 each year, collision costs $238, and liability is $474. A liability-only policy costs around $522 a year, with high-risk insurance costing around $2,256. Teens cost the most to insure at $4,188 a year or more.

Average premium for full coverage: $1,050

Policy rates broken down by type of insurance:

Rate estimates include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all states and XC90 models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on insurance rates. More rural locations are shown to have a lower frequency of accident claims than cities with more traffic congestion.

The graphic below illustrates how your location can change insurance prices.

The examples above show why all drivers should compare rates quotes for a targeted area and risk profile, instead of using averaged prices.

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

Detailed Rate Analysis

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

• The cheapest rate after discounts is $635
• Raising to $1,000 deductibles will save approximately $96 a year
• The average rate for a good driver age 40 who has $500 deductibles is $1,050
• Selecting low deductibles will increase the cost to $1,230
• At-risk drivers with serious driving violations could pay up to $2,256 or more
• Policy cost for full coverage for a teen driver can cost as much as $4,188

View Chart as Image

Car insurance rates for a Volvo XC90 also range considerably based on your risk profile, the trim level of your XC90, and liability limits and deductibles.

More mature drivers with no driving violations and high deductibles may pay as little as $1,000 every 12 months on average, or $83 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged at least $4,100 a year. View Rates by Age

Your home state also has a big influence on Volvo XC90 insurance prices. A middle-age driver might find rates as low as $690 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,500 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $280 every year, whereas increasing liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying $1,200 to $1,800 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 43% to 127% more than the average policy. View High Risk Driver Rates

Because rates have so much variability, the only way to know which auto insurance is cheapest is to do a rate comparison and see which company has the best rate. Every auto insurance company calculates rates differently, so rate quotes will be varied 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 the Best Volvo XC90 Insurance

Finding cheaper rates on car insurance consists of being a low-risk driver, having above-average credit, avoid buying unnecessary coverage, and not having any coverage lapses. Invest the time to shop around every time your policy renews by requesting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The items below are a brief recap of the information illustrated above.

• Drivers can save approximately $120 per year simply by quoting online in advance
• Teen drivers have the highest car insurance rates, costing up to $349 each month if full coverage is included
• Increasing comprehensive and collision deductibles can save around $275 each year
• Higher risk drivers who tend to receive serious violations pay an average of $1,210 more annually to insure their XC90
• Policyholders who want more liability coverage will pay approximately $520 each year to raise from a 30/60 limit to 250/500 limits