Volvo XC90 Insurance Rates

Average insurance rates for a Volvo XC90 are $1,086 a year including full coverage. Comprehensive costs around $192 a year, collision costs $262, and liability insurance costs $474. A liability-only policy costs as little as $522 a year, with high-risk insurance costing around $2,334. Teens receive the highest rates at $4,298 a year or more.

Average premium for full coverage: $1,086

Rate estimates for individual coverage type:

Price estimates include $500 policy deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all 50 U.S. states and XC90 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location has a significant impact on the price of insurance. Areas with sparse population tend to have lower incidents of comprehensive and collision claims than cities with more traffic congestion.

The diagram below illustrates the difference between rural and urban areas on auto insurance rates.

These examples highlight why it is important to compare rates for a specific zip code, rather than relying on averaged prices.

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

Rates by State, City, and Model

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

• The cheapest rate after discounts is $653
• Drivers who choose higher $1,000 deductibles will pay about $982 every year
• The estimated price for a 40-year-old driver using $500 deductibles is $1,086
• Selecting low $100 deductibles for comprehensive and collision insurance bumps up the cost to $1,282
• High risk drivers with serious driving violations could pay at least $2,334 or more
• The cost that insures a teen driver can be $4,298 a year

View Chart as Image

Insurance rates for a Volvo XC90 can also vary considerably based on the trim level of your XC90, your driving record and age, and deductibles and policy limits.

If you like to drive fast or you caused an accident, you are likely paying at least $1,300 to $1,800 extra per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 42% to 133% more than the average policy. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,000 per year on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records can expect to pay as much as $4,200 a year. View Rates by Age

Where you live makes a big difference in Volvo XC90 insurance rates. A 40-year-old driver could pay 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 could save up to $300 each year, while buying higher liability limits will increase rates. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $426 more per year. View Rates by Deductible or Liability Limit

With so much variability in rates, the best way to figure out your exact price is to get quotes from as many companies as possible. Every company calculates rates differently, so the rates can be significantly different.

Insurance Rates by Trim Level and Model Year

Rates assume 2012 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 Cheaper Volvo XC90 Insurance

Saving money on Volvo XC90 insurance not only requires being safe and accident-free, but also having above-average credit, not filing small claims, and insuring your home and auto with the same company. Compare rates once a year by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

Below you'll find a condensed summary of the data that was covered above.

• You may be able to save up to $120 per year simply by quoting early and online
• Drivers who may need more liability protection will pay approximately $520 per year to go from a minimum limit to the 250/500 level
• Youthful drivers pay higher rates, as much as $358 per month if full coverage is included
• High-risk drivers with multiple at-fault accidents may have to pay on average $1,250 more every year than a low-risk driver