Volvo XC90 Insurance Rates

U.S. average insurance rates for a Volvo XC90 are $1,086 a year with full coverage. Comprehensive costs an estimated $192, collision costs $262, and liability is estimated at $474. A policy with just liability insurance costs approximately $522 a year, with coverage for high-risk drivers costing around $2,334. Teen drivers pay the highest rates at $4,298 a year or more.

Average premium for full coverage: $1,086

Price estimates broken down by individual coverage:

Rate estimates include $500 physical damage deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all U.S. states and for all XC90 models.

Price Range from Low to High

Geographic Price Range

Living in a larger city can make a big difference on car insurance rates. More rural locations have lower incidents of collision claims than larger metro areas.

The example below illustrates the difference between rural and urban areas on insurance prices.

The ranges above demonstrate why everyone should get quotes for a targeted area, instead of making a decision based on price averages.

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

Detailed Rate Analysis

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

• The lowest rate with discounts is $653
• Choosing higher $1,000 deductibles can save approximately $104 annually
• The estimated price for the average middle-age driver who has $500 deductibles is $1,086
• Choosing pricier low deductibles for comp and collision coverage bumps up the cost to $1,282
• Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,334 or more
• The price that insures a 16-year-old driver for full coverage can cost as much as $4,298 each year

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Insurance prices for a Volvo XC90 are also quite variable based on the model of your XC90, your age and driving habits, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you may be forking out $1,300 to $1,800 extra each year, depending on your age. Volvo XC90 insurance for high-risk drivers ranges from 42% to 133% more than average. View High Risk Driver Rates

A more mature driver with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,000 annually on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records can expect to pay at least $4,200 a year. View Rates by Age

The state you live in plays a big part in determining prices for Volvo XC90 insurance prices. A good driver about age 40 could pay as low as $780 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,470 on average in New York, Michigan, and Florida.

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Choosing high deductibles can save as much as $300 annually, whereas buying more liability protection will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $426 more per year. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to find out which car insurance is cheapest is to regularly compare prices from multiple companies. Each auto insurer uses a different rate calculation, so the prices may be quite 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 the Best Volvo XC90 Insurance

Getting lower rates on insurance for a Volvo XC90 takes being a safe and courteous driver, having above-average credit, avoid buying unnecessary coverage, and taking advantage of discounts. Shop around every time your policy renews by obtaining price quotes from direct companies, and also from insurance agencies where you live.

Below is a brief recap of the information covered above.

• You may be able to save approximately $120 per year simply by quoting online well ahead of the renewal date
• Teenage drivers are charged the highest prices, costing up to $358 a month if full coverage is included
• Increasing physical damage deductibles can save approximately $300 each year
• Drivers considered higher risk who tend to receive serious violations could be forced to pay on average $1,250 more annually for auto insurance
• Insureds who want higher levels of liability will pay about $520 every year to raise limits from a low limit to the 250/500 level