Volvo XC90 Insurance Rates

Estimated auto insurance rates for a Volvo XC90 are $1,086 annually including full coverage. Comprehensive insurance costs on average $192 a year, collision costs $262, and liability is $474. A policy with only liability insurance costs around $522 a year, with a high-risk policy costing $2,334 or more. Teen drivers pay the most at $4,298 a year or more.

Average premium for full coverage: $1,086

Premium estimates by type of coverage:

Prices include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 U.S. states and XC90 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can have significant affects on car insurance rates. Rural areas are statistically proven to have fewer comprehensive and collision claims than larger metro areas.

The diagram below illustrates how location helps determine car insurance rates.

These rate differences highlight why it is important to compare rates quotes based on a specific location and their own personal driving habits, instead of using price averages.

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

More Rate Information

The chart below breaks down estimated Volvo XC90 insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $653
• Raising to $1,000 deductibles will save around $982 every year
• The estimated rate for a 40-year-old good driver with $500 deductibles is $1,086
• Choosing low $100 deductibles costs an additional $196 every year
• At-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,334 or more
• An auto insurance policy with full coverage for a teen driver may cost $4,298

View Chart as Image

Car insurance prices for a Volvo XC90 also have a wide range based on the model of your XC90, your driving characteristics, and policy deductibles and limits.

Older drivers with no driving violations and high physical damage deductibles may pay as little as $1,000 every 12 months on average, or $83 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will be charged upwards of $4,200 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are likely paying at a minimum $1,300 to $1,800 extra annually, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 42% to 133% more than average. View High Risk Driver Rates

Choosing high deductibles can reduce prices by up to $300 every year, while buying higher liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

Where you choose to live also has a big influence on Volvo XC90 insurance prices. A middle-age driver might find prices as low as $830 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,550 on average in Michigan, New York, and Louisiana.

View Chart as Image

With such a large range in prices, the best way to figure out exactly what you will pay is to get quotes and see which company has the best price. Every auto insurance company uses a different rate calculation, so rate quotes will be substantially different between companies.

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 the Right Volvo XC90 Insurance

Finding better rates on car insurance consists of avoiding accidents and violations, having a good credit score, refrain from filing small claims, and maximizing policy discounts. Invest time comparing rates every time your policy renews by requesting rates from direct car insurance companies, and also from several local insurance agents.

The list below is a quick rundown of the information covered in the charts and tables above.

• You may be able to save as much as $120 per year simply by quoting early and online
• Teenagers are expensive to insure, with the cost nearing $358 per month if comprehensive and collision insurance is included
• Increasing policy deductibles could save up to $300 each year
• Higher risk drivers with reckless driving or DUI convictions pay on average $1,250 more each year for car insurance
• Policyholders who require higher liability limits will pay about $520 per year to raise from 30/60 bodily injury limits to higher 250/500 limits