Volvo XC90 Insurance Rates

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

Average premium for full coverage: $1,086

Premium estimates by type of coverage:

Estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Rates include averaging for all 50 states and for all XC90 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a large influence on insurance rates. Rural areas are statistically proven to have lower incidents of physical damage claims than densely populated cities. The example below illustrates the effect of geographic area on car insurance rates.

These rate differences illustrate why everyone should compare rates quotes based on a specific location, rather than using average rates.

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

More Rate Details

The chart below illustrates average Volvo XC90 insurance rates for different risk profiles and scenarios.

• The best discount rate is $653
• Raising to $1,000 deductibles will save around $104 each year
• The estimated price for a 40-year-old good driver with $500 deductibles is $1,086
• Using pricier low deductibles will cost an additional $196 each year
• Unlucky drivers who are prone to accidents and violations could pay upwards of $2,334
• An auto insurance policy that insures a teenage driver for full coverage may cost $4,298

View Chart as Image

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

If you have a few violations or you caused an accident, you are probably paying at a minimum $1,300 to $1,800 in extra premium annually, depending on your age. Volvo XC90 insurance for high-risk drivers is expensive and can cost around 42% to 133% more than a normal policy. View High Risk Driver Rates

A more mature driver with a good driving record and higher comprehensive and collision deductibles may only pay around $1,000 every 12 months 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 have to pay upwards of $4,200 a year. View Rates by Age

Where you choose to live also has a big influence on Volvo XC90 insurance rates. A middle-age driver might find prices as low as $710 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,470 on average in Michigan, New York, and Florida.

View Chart as Image

Using high physical damage deductibles can reduce prices by up to $300 a year, whereas buying more liability protection will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $426 extra every year. View Rates by Deductible or Liability Limit

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 Low Cost Volvo XC90 Insurance

Finding better rates on auto insurance consists of having a decent driving record, maintaining a good credit score, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Compare prices every couple of years by obtaining price quotes from direct insurance companies, and also from your local independent and exclusive agents.

The following items are a review of the material that was covered in the above illustrations.

• Consumers who require additional liability coverage will pay an extra $520 annually to raise from 30/60 bodily injury limits to the 250/500 level
• 16 to 18-year-old drivers are charged the highest prices, with premiums being up to $358 per month if the policy includes full coverage
• Drivers who have several accidents or serious violations may pay on average $1,250 more each year than a driver with a clean driving record
• Increasing policy deductibles can save approximately $300 each year