Volvo XC90 Insurance Rates

The average insurance rates for a Volvo XC90 are $1,086 a year with full coverage. Comprehensive insurance costs an estimated $192 a year, collision insurance costs $262, and liability insurance is estimated at $474. Liability-only coverage costs approximately $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 broken down by type of insurance:

Rate estimates include $500 policy deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all U.S. states and XC90 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on car insurance rates. More rural locations are shown to have a lower frequency of collision claims than cities with more traffic congestion. The diagram below illustrates the difference location can make on insurance prices.

The examples above demonstrate why it is important to get quotes for a targeted area and risk profile, rather than relying on averaged prices.

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

Rate Comparisons

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

• The cheapest rate after discounts is $653
• Choosing higher $1,000 deductibles can save approximately $982 annually
• The average rate for a good driver age 40 who has $500 deductibles is $1,086
• Selecting low $100 deductibles for comp and collision coverage will cost an extra $196 a year
• High-risk insureds with serious driving violations could pay up to $2,334
• Policy cost for full coverage for a teen driver can cost as much as $4,298 each year

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 could pay as little as $1,000 annually on average, or $83 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay at least $4,200 a year. View Rates by Age

Your home state plays a big part in determining prices for Volvo XC90 insurance rates. A good driver about age 40 could pay as low as $780 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,470 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $300 each year, 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 $1,300 to $1,800 additional every year, depending on your age. A high-risk auto insurance policy ranges anywhere from 42% to 133% more than the average policy. View High Risk Driver Rates

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

Finding cheaper rates on Volvo XC90 insurance takes being a good driver, having a good credit history, not filing small claims, and possibly raising deductibles. Make time to compare rates every couple of years by requesting rates from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The following list is a brief recap of the material that was touched on in this article.

• Drivers who want an increased level of liability coverage will pay approximately $520 every year to raise limits from a 30/60 limit to 250/500 limits
• Drivers age 16 to 20 are expensive to insure, as much as $358 each month including comprehensive and collision insurance
• High-risk drivers who tend to receive serious violations may pay on average $1,250 more annually than a safer driver
• Increasing comprehensive and collision deductibles can save around $300 each year