Volvo XC90 Insurance Rates

Average insurance rates for a Volvo XC90 are $1,128 a year for full coverage insurance. Comprehensive insurance costs an estimated $206 each year, collision costs $286, and liability insurance is $478. A policy with just liability insurance costs around $526 a year, with coverage for high-risk drivers costing $2,426 or more. 16-year-old drivers receive the highest rates at $4,434 a year or more.

Average premium for full coverage: $1,128

Rate estimates broken down by individual coverage type:

Rate estimates include $500 deductible amounts, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 states and XC90 models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a significant impact on the price of insurance. More rural locations tend to have a lower frequency of physical damage claims than congested cities.

The graphic below illustrates how geographic area affects insurance prices.

These examples illustrate why all drivers should compare rates quotes for a targeted area and risk profile, rather than relying on rate averages.

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

Additional Rate Information

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

• The best full coverage rate is $676
• Raising to $1,000 deductibles will save approximately $112 each year
• The average rate for a 40-year-old driver who has $500 deductibles is $1,128
• Buying low deductibles will cost an extra $214 a year
• Higher-risk drivers with multiple tickets or accidents could pay up to $2,426 or more
• The cost for full coverage for a teen driver can cost as much as $4,434

View Chart as Image

Insurance rates for a Volvo XC90 can also vary considerably based on your driver profile, the model year and trim level, and liability limits and deductibles.

More mature drivers with no violations or accidents and high deductibles could pay as little as $1,100 every 12 months on average for full coverage. Rates are highest for teen drivers, where even good drivers should be prepared to pay at least $4,400 a year. View Rates by Age

Where you live also has a big influence on Volvo XC90 insurance rates. A middle-age driver might find rates as low as $740 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,520 on average in Florida, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles can reduce rates by up to $330 each year, whereas increasing liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will cost as much as $430 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying $1,300 to $1,900 additional per year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 43% to 129% more than the average rate. View High Risk Driver Rates

With so much variability in rates, the only way to figure out which company is cheapest is to do a rate comparison from as many companies as possible. Every auto insurance company utilizes a different rate formula, and rates can be significantly different 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 Best Volvo XC90 Insurance

Saving money on Volvo XC90 insurance consists of having a good driving record, having a good credit history, avoid buying unnecessary coverage, and maximizing policy discounts. Invest the time to compare rates at least once a year by getting quotes from direct insurance companies like GEICO and Progressive, and also from several local insurance agents.

The next list is a brief recap of the primary concepts that were presented in the illustrations above.

• It is possible to save approximately $130 per year simply by quoting online in advance
• High-risk drivers who tend to receive serious violations pay on average $1,300 more annually to buy Volvo XC90 insurance
• Increasing deductibles can save around $325 each year
• Drivers age 20 and younger are expensive to insure, costing up to $370 per month including comprehensive and collision insurance