Volvo XC90 Insurance Rates

Average insurance rates for a Volvo XC90 are $1,050 a year including full coverage. Comprehensive costs around $180, collision costs $238, and liability is $474. A policy with just liability insurance costs around $522 a year, with coverage for high-risk drivers costing around $2,256. Teenage drivers receive the highest rates at $4,188 a year or more.

Average premium for full coverage: $1,050

Rate estimates for individual coverage type:

Full coverage includes $500 deductibles, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 U.S. states and for all XC90 models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can make a big difference on the price of insurance. Areas with sparse population tend to have a lower frequency of comprehensive and collision claims than densely populated cities.

The example below illustrates how location helps determine auto insurance rates.

These examples highlight why everyone should compare rates quotes for a specific zip code and risk profile, instead of making a decision based on average rates.

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

Additional Rate Details

The chart below breaks down estimated Volvo XC90 insurance rates for additional coverage choices and driver risks.

• The best discount rate is $635
• Raising to $1,000 deductibles will save about $96 every year
• The average rate for a 40-year-old driver using $500 deductibles is $1,050
• Using pricier low deductibles will increase the cost to $1,230
• Drivers who are prone to accidents and violations could pay at least $2,256 or more
• The cost for full coverage for a 16-year-old driver for full coverage can be $4,188

View Chart as Image

Insurance rates for a Volvo XC90 can also vary considerably based on your driver profile, the model of your XC90, and deductibles and policy limits.

A more mature driver with no violations or accidents and high deductibles may pay as low as $1,000 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even good drivers should be prepared to pay as much as $4,100 a year. View Rates by Age

Where you live also has a big influence on Volvo XC90 insurance prices. A middle-age driver might find rates as low as $810 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,500 on average in Michigan, New York, and Louisiana.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $280 annually, whereas buying more liability protection will increase rates. Changing from a 50/100 limit to a 250/500 limit will cost as much as $426 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying at least $1,200 to $1,800 additional per year, depending on your age. Volvo XC90 insurance for high-risk drivers is expensive and can cost from 43% to 127% more than a normal policy. View High Risk Driver Rates

With so much variability in rates, the best way to figure out your exact price is to regularly compare rates from multiple companies. Every auto insurance company uses a different method to calculate rates, 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 More Affordable Volvo XC90 Insurance

Saving money on insurance for a Volvo XC90 consists of not taking risks behind the wheel, having a good credit history, not filing small claims, and taking advantage of discounts. Invest time comparing rates at every other renewal by obtaining price quotes from direct car insurance companies like GEICO and Progressive, and also from several local insurance agents.

The following is a summary of the concepts that were covered in the charts and tables above.

• Drivers considered higher risk who have multiple accidents or major violations pay on average $1,210 more every year for XC90 insurance
• Teens are charged the highest rates, as much as $349 per month including comprehensive and collision insurance
• You may be able to save up to $120 per year simply by quoting online well ahead of the renewal date
• Increasing deductibles can save around $275 each year
• You may be able to save up to $120 per year simply by quoting online well ahead of the renewal date