Volvo XC90 Insurance Rates

Estimated insurance rates for a Volvo XC90 are $1,050 a year with full coverage. Comprehensive insurance costs an estimated $180, collision costs $238, and liability coverage costs $474. A policy with only liability insurance costs as little as $522 a year, with a high-risk policy costing $2,256 or more. Teens pay the most at $4,188 a year or more.

Average premium for full coverage: $1,050

Premium estimates broken down by type of coverage:

Full coverage includes $500 policy deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all U.S. states and for different XC90 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a large influence on car insurance rates. More rural locations are statistically proven to have lower incidents of collision claims than cities with more traffic congestion.

The price range example below illustrates how location impacts insurance prices.

These rate differences demonstrate why anyone shopping for car insurance should compare rates for a targeted area, rather than using averaged prices.

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

Additional Charts and Tables

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

• The cheapest rate after discounts is $635
• Drivers who choose higher $1,000 deductibles will pay approximately $96 annually
• The estimated price for a 40-year-old good driver who has $500 deductibles is $1,050
• Selecting more expensive low deductibles for comprehensive and collision insurance will cost an additional $180 each year
• High-risk insureds with serious driving violations could pay up to $2,256 or more
• An auto insurance policy that insures a teenage driver with full coverage can cost as much as $4,188 a year

View Chart as Image

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

If you have a few violations or you caused an accident, you may be forking out $1,200 to $1,800 extra annually, depending on your age. High-risk driver insurance can cost around 43% to 127% more than the average policy. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles may only pay around $1,000 per year on average, or $83 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will be charged at least $4,100 a year. View Rates by Age

Where you choose to live makes a big difference in Volvo XC90 insurance rates. A 40-year-old driver could pay as low as $760 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,420 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $280 a 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 cost up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to find out which insurance company is cheapest is to compare prices and see how they stack up. Every company calculates prices differently, so rate quotes will be substantially different.

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 More Affordable Volvo XC90 Insurance

Finding better rates on auto insurance not only requires avoiding accidents and claims, but also having a positive credit history, being claim-free, and not having any coverage lapses. Compare rates every time your policy renews by getting rate quotes from direct companies, and also from insurance agencies where you live.

The points below are a summary of the information touched on above.

• You may be able to save approximately $120 per year simply by shopping early and online
• Drivers under the age of 20 have the highest car insurance prices, possibly costing $349 per month if full coverage is purchased
• Increasing policy deductibles can save approximately $275 each year
• Drivers who have multiple accidents or major violations could be forced to pay on average $1,210 more annually to insure a Volvo XC90
• Consumers who want increased liability limits will pay approximately $520 every year to go from 30/60 bodily injury limits to the 250/500 level