Volvo XC90 Insurance Rates

The average insurance rates for a Volvo XC90 are $1,086 a year including full coverage. Comprehensive insurance costs around $192 each year, collision insurance costs $262, and liability insurance is $474. Liability-only coverage costs around $522 a year, and high-risk coverage costs $2,334 or more. Teens cost the most to insure at up to $4,298 a year.

Average premium for full coverage: $1,086

Policy rates for type of insurance:

Rates are based on $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and XC90 models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on the price of insurance. Areas with sparse population are shown to have lower incidents of comprehensive and collision claims than cities with more traffic congestion. The graphic below illustrates the difference location can make on auto insurance rates.

The examples above highlight why all drivers should compare rates quotes for a specific zip code, rather than relying on averaged prices.

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

Rate Comparisons

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

• The cheapest rate after discounts is $653
• Raising to $1,000 deductibles will save about $104 every year
• The estimated price for a good driver age 40 using $500 deductibles is $1,086
• Selecting low deductibles will cost an additional $196 a year
• Higher-risk drivers with serious driving violations could pay at least $2,334
• Policy cost that insures a teen driver can be $4,298

View Chart as Image

Insurance rates for a Volvo XC90 also range considerably based on the trim level and model year, your driving record and age, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you are likely paying at least $1,300 to $1,800 additional every year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 42% to 133% more than the average policy. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,000 every 12 months on average, or $83 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay as much as $4,200 a year. View Rates by Age

Your home state also has a big influence on Volvo XC90 insurance rates. A middle-age driver might find rates as low as $830 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,550 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $300 each year, whereas increasing liability limits will increase rates. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $426 more each 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 the Best Cheap Volvo XC90 Insurance

Finding cheaper rates on Volvo XC90 insurance consists of having a decent driving record, having a good credit score, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Compare rates at every other renewal by requesting rates from direct car insurance companies, and also from local insurance agencies.

The following items are a quick review of the concepts that were touched on in this article.

• High-risk drivers with a DUI or reckless driving violation may have to pay on average $1,250 more every year than a driver with a clean driving record
• 16 to 18-year-old drivers are charged the highest rates, with premiums being up to $358 each month if comprehensive and collision insurance is included
• You may be able to save up to $120 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles can save approximately $300 each year
• You may be able to save up to $120 per year just by quoting online in advance