Volvo XC90 Insurance Rates

The average insurance rates for a Volvo XC90 are $1,050 a year with full coverage. Comprehensive insurance costs an estimated $180 a year, collision costs $238, and liability is $474. Liability-only coverage costs around $522 a year, with high-risk coverage costing $2,256 or more. 16-year-old drivers cost the most to insure at $4,188 a year or more.

Average premium for full coverage: $1,050

Policy rates broken down by type of insurance:

Full coverage includes $500 policy deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and XC90 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on car insurance rates. More rural locations are shown to have a lower frequency of collision claims than congested cities.

The diagram below illustrates how your location can change insurance prices.

The examples above demonstrate why it is important to compare rates quotes for a targeted area and risk profile, instead of making a decision based on rate averages.

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

Additional Rate Analysis

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

• The best full coverage rate is $635
• Raising to $1,000 deductibles will save approximately $954 annually
• The average rate for a good driver age 40 who has $500 deductibles is $1,050
• Buying low $100 deductibles will cost an extra $180 annually
• Drivers with multiple tickets or accidents could pay up to $2,256 or more
• Policy cost for full coverage for a 16-year-old driver can cost as much as $4,188

View Chart as Image

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

Older drivers with no violations or accidents and high deductibles may pay as low as $1,000 every 12 months on average, or $83 per month, for full coverage. Rates are highest for teenagers, where even good drivers should be prepared to pay at least $4,100 a year. View Rates by Age

Your home state also has a big influence on Volvo XC90 insurance prices. A middle-age driver might find rates as low as $760 a year in states like Utah, Ohio, and New Hampshire, or at least $1,420 on average in New York, Michigan, and Florida.

View Chart as Image

Opting for high physical damage deductibles can reduce rates by up to $280 annually, while buying higher liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $426 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out $1,200 to $1,800 additional every year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 43% to 127% more than the average rate. View High Risk Driver Rates

Because rates have so much variability, the best way to find out which auto insurance is cheapest is to get quotes from multiple companies. Every auto insurance company utilizes a different rate formula, and rates will be varied 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

Finding cheaper rates on insurance for a Volvo XC90 consists of avoiding accidents and claims, having a good credit history, not filing small claims, and maximizing policy discounts. Invest the time to shop around at least once a year by requesting rates from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The points below are a summary of the primary concepts that were illustrated above.

• You may be able to save approximately $120 per year simply by quoting early and online
• Drivers considered higher risk who have multiple accidents or major violations may pay on average $1,210 more annually to insure a Volvo XC90
• Increasing comprehensive and collision deductibles can save around $275 each year
• Drivers under the age of 20 are expensive to insure, as much as $349 each month including comprehensive and collision insurance