Volvo XC90 Insurance Rates

The average insurance rates for a Volvo XC90 are $1,050 a year including full coverage. Comprehensive costs around $180, collision costs $238, and liability costs around $474. Liability-only coverage costs as low as $522 a year, with high-risk coverage 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 for type of insurance:

Prices include $500 policy deductibles, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and for all XC90 models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on the price of insurance. Areas with sparse population are shown to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion.

The example below illustrates how location helps determine auto insurance rates.

The examples above highlight why everyone should compare prices for a specific zip code and risk profile, instead of using averaged prices.

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

Additional Rate Information

The chart below breaks down estimated Volvo XC90 insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $635
• Using higher $1,000 deductibles will save about $96 every year
• The average rate for a good driver age 40 using $500 deductibles is $1,050
• Selecting pricier low deductibles for physical damage coverage will increase the cost to $1,230
• Drivers with serious driving violations could pay at least $2,256 or more
• Policy cost for full coverage for a teen driver for full coverage can be $4,188 or more

View Chart as Image

Insurance rates for a Volvo XC90 also range considerably based on your risk profile, the model of your XC90, and deductibles and policy limits.

A more mature driver with no violations or accidents and high deductibles may pay as little as $1,000 a year, or $83 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay as much as $4,100 a year. View Rates by Age

Your home state has a huge impact on Volvo XC90 insurance prices. A driver around age 40 might see rates as low as $810 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,500 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $280 every year, whereas buying more liability protection will increase rates. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $426 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying at least $1,200 to $1,800 additional every year, depending on your age. Volvo XC90 insurance for high-risk drivers can be as much as 43% to 127% more than the average policy. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out your exact price is to regularly compare rates and see which company has the best rate. Each insurance company calculates rates differently, and rates 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 Right Volvo XC90 Insurance

Finding cheaper rates on car insurance requires being safe and accident-free, having a good credit history, paying for small claims out-of-pocket, and taking advantage of discounts. Invest time comparing rates every year by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

Below you'll find a quick rundown of the coverage data covered in the charts and tables above.

• You may be able to save up to $120 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save around $275 each year
• Youthful drivers are charged the highest rates, with premiums being up to $349 each month including comprehensive and collision insurance
• Higher risk drivers with reckless driving or DUI convictions pay on average $1,210 more every year than a low-risk driver