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2012 Volvo XC90 Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Feb 28, 2020

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Average insurance rates for a 2012 Volvo XC90 are $1,248 a year including full coverage. Comprehensive costs around $242, collision insurance costs $388, and liability coverage costs $460. Buying a liability-only policy costs as little as $510 a year, and high-risk insurance costs around $2,696. Teen drivers receive the highest rates at up to $4,806 a year.

Annual premium for full coverage: $1,248

Rate estimates for 2012 Volvo XC90 Insurance

Comprehensive $242
Collision $388
Liability $460

Rate data is compiled from all 50 U.S. states and averaged for all 2012 Volvo XC90 models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For the average driver, prices range range from as low as $510 for basic liability insurance to the much higher price of $2,696 for a driver that may need high-risk insurance.

Liability Only $510
Full Coverage $1,248
High Risk $2,696

View Chart as Image

2012 Volvo XC90 insurance rates compared
Column chart showing 2012 Volvo XC90 insurance prices range from $734 to $4,806 for full coverage

These differences highlight why everyone should compare rates for a specific zip code and risk profile, rather than using price averages.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Recommended Companies for Cheap 2012 Volvo XC90 Insurance

Searching Companies

Trying to find lower insurance rates for your Volvo XC90? Searching for low-cost insurance for a new or used Volvo XC90 can normally be a painful process, but you can use a few tricks to make it easier. There is a better way to find insurance online so we’re going to tell you the proper way to compare rates for a new or used Volvo and locate the cheapest rates from local insurance agents and online providers.

It’s important to price shop coverage quite often due to the fact that insurance rates are usually higher with each renewal. If you had the lowest price on XC90 insurance a year ago the chances are good that you can find a lower rate today. You can find a lot of misleading information regarding insurance online but we’re going to give you some solid techniques on how to quit paying high insurance rates.

How to Get Insurance

Getting a cheaper price on 2012 Volvo XC90 insurance is actually quite simple. The only thing you need to do is take the time comparing rates online from several insurance companies. This is very easy and can be done in just a few minutes using one of these methods.

  1. Probably the best way consumers can make multiple comparisons is to use a rate comparison form click to view form in new window. This type of form prevents you from having to do repetitive form submissions to each individual insurance company. A single, simple form will get you price quotes from all major companies.It’s the quickest way to get rates.
  2. Another way to shop for insurance online is going to each company website and complete a new quote form. For instance, we’ll pretend you want rates from GEICO, Esurance and Liberty Mutual. You would have to spend time on each company’s site and enter your information, which is why the first method is more popular.

    To view a list of companies in your area, click here.

  3. The most time-consuming way of comparing rate quotes is driving to insurance agents’ offices. The internet eliminates the need for an insurance agent unless you want the personal advice only provided by licensed agents. Drivers can get prices online and still use a local agent and we’ll touch on that later.

Which method you use is up to you, but make absolute certain that you use exactly the same coverages for every company. If each company quotes different deductibles it will be next to impossible to make a fair comparison for your Volvo XC90.

Free Auto Insurance Comparison

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How do I know if I need professional advice?

When it comes to buying the best insurance coverage for your vehicles, there is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

These are some specific questions may help highlight if you could use an agent’s help.

  • Is other people’s property covered if stolen from my vehicle?
  • Is business property covered if stolen from my car?
  • Does medical payments coverage apply to all occupants?
  • Am I covered if I wreck a rental car?
  • How high should deductibles be on a 2012 Volvo XC90?
  • Is my dog or cat covered if injured in an accident?
  • Is my camper covered by my car insurance policy?
  • What happens if I owe more than my 2012 Volvo XC90 is worth?
  • What is an SR-22 filing?
  • Is my custom paint covered by insurance?

If you can’t answer these questions, you might consider talking to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form. It is quick, free and you can get the answers you need.

Auto insurance coverage basics

Learning about specific coverages of your policy helps when choosing the best coverages for your vehicles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.

Liability insurance

Liability coverage provides protection from damages or injuries you inflict on other people or property by causing an accident. This coverage protects you against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 50/100/50 that means you have a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers things such as pain and suffering, court costs, attorney fees and loss of income. How much liability should you purchase? That is a decision to put some thought into, but consider buying as large an amount as possible.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance reimburse you for expenses such as nursing services, surgery, EMT expenses, rehabilitation expenses and funeral costs. They can be utilized in addition to your health insurance program or if you are not covered by health insurance. It covers all vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible

Collision coverage protection

This pays for damage to your XC90 caused by collision with another car or object. A deductible applies then your collision coverage will kick in.

Collision coverage pays for things like rolling your car, scraping a guard rail, sideswiping another vehicle and driving through your garage door. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Another option is to increase the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Comprehensive coverage

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as falling objects, hitting a bird and hitting a deer. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2012 Volvo XC90 Insurance Rates by City
City Premium
New York City, NY $1,971
Los Angeles, CA $2,133
Philadelphia, PA $1,666
Jacksonville, FL $1,810
Phoenix, AZ $1,450
Chicago, IL $1,670
Houston, TX $1,955
Seattle, WA $1,217
Columbus, OH $1,043
Indianapolis, IN $1,060

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2012 Volvo XC90 Insurance Rates by Driver Age
Driver Age Premium
16 $4,806
20 $2,866
30 $1,288
40 $1,248
50 $1,142
60 $1,118

Full coverage, $500 deductibles

Rates by Deductible

2012 Volvo XC90 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,524
$250 $1,396
$500 $1,248
$1,000 $1,104

Full coverage, driver age 40

Rates by Liability Limit

Volvo XC90 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,248
50/100 $1,340
100/300 $1,455
250/500 $1,754
100 CSL $1,386
300 CSL $1,639
500 CSL $1,823

Full coverage, driver age 40

Rates for High Risk Drivers

2012 Volvo XC90 Insurance Rates for High Risk Drivers
Age Premium
16 $6,820
20 $4,566
30 $2,740
40 $2,696
50 $2,576
60 $2,552

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $172

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $65
Multi-vehicle $66
Homeowner $20
5-yr Accident Free $85
5-yr Claim Free $80
Paid in Full/EFT $52
Advance Quote $59
Online Quote $87
Total Discounts $514
Rate after discounts $734

Discounts are estimated and may not be available from every company or in every state.

Find companies with the cheapest rates in your area

2012 Volvo XC90 Insurance Rates by State
State Premium
Alabama $1,128
Alaska $958
Arizona $1,036
Arkansas $1,248
California $1,422
Colorado $1,192
Connecticut $1,282
Delaware $1,412
Florida $1,560
Georgia $1,152
Hawaii $896
Idaho $844
Illinois $928
Indiana $938
Iowa $842
Kansas $1,186
Kentucky $1,702
Louisiana $1,846
Maine $772
Maryland $1,030
Massachusetts $1,000
Michigan $2,168
Minnesota $1,044
Mississippi $1,494
Missouri $1,106
Montana $1,340
Nebraska $984
Nevada $1,496
New Hampshire $900
New Jersey $1,396
New Mexico $1,106
New York $1,314
North Carolina $720
North Dakota $1,022
Ohio $862
Oklahoma $1,282
Oregon $1,144
Pennsylvania $1,190
Rhode Island $1,666
South Carolina $1,130
South Dakota $1,054
Tennessee $1,094
Texas $1,504
Utah $922
Vermont $854
Virginia $746
Washington $966
West Virginia $1,144
Wisconsin $864
Wyoming $1,114

Free Auto Insurance Comparison

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