Volvo XC90 Insurance Rates

The average insurance rates for a Volvo XC90 are $1,086 a year with full coverage. Comprehensive insurance costs an estimated $192, collision costs $262, and liability insurance costs $474. A liability-only policy costs as little as $522 a year, with high-risk insurance costing $2,334 or more. Teenage drivers cost the most to insure at $4,298 a year or more.

Average premium for full coverage: $1,086

Policy rates broken down by type of insurance:

Prices are based on $500 deductibles, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Prices are averaged for all U.S. states and for different XC90 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on car insurance rates. More rural locations are shown to have lower incidents of collision claims than densely populated cities.

The price range example below illustrates how rural and urban location affects insurance prices.

The examples above demonstrate why anyone shopping for car insurance should compare rates for a targeted area, rather than relying on average rates.

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

More Rate Information

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

• The best discount rate is $653
• Drivers who choose higher $1,000 deductibles will pay approximately $104 annually
• The estimated price for a good driver age 40 who has $500 deductibles is $1,086
• Using more expensive low deductibles for comprehensive and collision insurance will cost an additional $196 a year
• High risk drivers who are prone to accidents and violations could pay up to $2,334 or more
• Policy cost that insures a teen driver with full coverage can cost as much as $4,298 a year

View Chart as Image

Car insurance rates for a Volvo XC90 also range considerably based on the model year and trim level, your age and driving habits, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you may be forking out $1,300 to $1,800 extra every year, depending on your age. High-risk driver insurance can cost anywhere from 42% to 133% more than a normal policy. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles could 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 teens with perfect driving records will be charged at least $4,200 a year. View Rates by Age

Your home state makes a big difference in Volvo XC90 insurance rates. A 40-year-old driver could pay as low as $780 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,470 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles could save up to $300 each year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to find out which auto insurance is cheapest is to compare rates from as many companies as possible. 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 Find Affordable Volvo XC90 Insurance

Finding cheaper rates on Volvo XC90 insurance not only requires not taking risks behind the wheel, but also having a positive credit history, not filing small claims, and not having any coverage lapses. Compare prices every year by getting rate quotes from direct companies, and also from insurance agencies where you live.

The following is a brief review of the coverage data raised in the charts and tables above.

• You may be able to save approximately $120 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles can save approximately $300 each year
• Teens have the highest car insurance rates, as much as $358 each month if full coverage is purchased
• High-risk drivers with DUI or reckless driving convictions could be forced to pay on average $1,250 more annually for XC90 insurance