Volvo XC90 Insurance Rates

Estimated insurance rates for a Volvo XC90 are $1,050 a year for full coverage. Comprehensive costs on average $180 a year, collision costs $238, and liability coverage costs $474. Liability-only coverage costs as little as $522 a year, with high-risk coverage costing around $2,256. Teenage drivers pay the most at $4,188 a year or more.

Average premium for full coverage: $1,050

Premium estimates by type of coverage:

Includes $500 policy deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all states and XC90 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a large influence on car insurance rates. Rural areas are statistically proven to have a lower frequency of accident claims than densely populated cities.

The diagram below illustrates how rural and urban location affects car insurance rates.

These rate differences show why it is important to compare rates based on a specific location and risk profile, rather than using average rates.

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

Rates by State, City, and Model

The chart below shows estimated Volvo XC90 insurance rates for different risk profiles and scenarios.

• The best discount rate is $635
• Drivers who choose higher $1,000 deductibles will pay around $954 a year
• The average rate for a 40-year-old good driver with $500 deductibles is $1,050
• Using low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,230
• High-risk insureds who are prone to accidents and violations could pay upwards of $2,256 or more
• An auto insurance policy for full coverage for a teenage driver may cost $4,188 a year

View Chart as Image

Insurance prices for a Volvo XC90 also have a wide range based on your driving characteristics, the trim level of your XC90, and policy deductibles and limits.

Older drivers with a clean driving record and high deductibles may only pay around $1,000 per year on average, or $83 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers can expect to pay upwards of $4,100 a year. View Rates by Age

Where you choose to live makes a big difference in Volvo XC90 insurance rates. A 40-year-old driver could pay as low as $690 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,500 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles could save up to $280 a year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost up to $426 more per year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you could be paying at a minimum $1,200 to $1,800 extra annually, depending on your age. A high-risk auto insurance policy can cost around 43% to 127% more than a normal policy. View High Risk Driver Rates

With such a large range in prices, the only way to know exactly what you will pay is to get quotes and see how they stack up. Every company uses a different method to calculate prices, so the prices will be substantially 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 the Cheapest Volvo XC90 Insurance

Finding better rates on auto insurance not only requires being safe and accident-free, but also maintaining good credit, not filing small claims, and bundling your home and auto policies. Set aside time to shop around every couple of years by getting price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from your local insurance agents.

Below you'll find a recap of the material that was raised in the charts and tables above.

• Consumers who require more liability protection will pay an extra $520 each year to go from 30/60 bodily injury limits to 250/500 limits
• Youthful drivers pay the highest prices, as much as $349 per month for full coverage
• Drivers that have major violations or accidents will pay on average $1,210 more each year than a low-risk driver
• Increasing policy deductibles can save around $275 each year