Volvo XC90 Insurance Rates

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

Average premium for full coverage: $1,086

Policy rates by type of insurance:

Rate estimates include $500 deductible amounts, liability limits of 30/60, and includes additional medical/uninsured motorist 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 car insurance rates. Rural areas are shown to have lower incidents of comprehensive and collision claims than densely populated cities.

The graphic below illustrates how location helps determine car insurance rates.

The examples above highlight why all drivers should compare rates quotes based on a specific location, rather than relying on average rates.

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

Additional Rate Analysis

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

• The best discount rate is $653
• Raising to $1,000 deductibles will save around $104 every year
• The estimated price for a good driver age 40 with $500 deductibles is $1,086
• Using low deductibles will cost an additional $196 a year
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,334 or more
• Policy cost that insures a teen driver may cost $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 policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you are likely paying at a minimum $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 a normal 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 upwards of $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 be forced to pay as much as $1,550 on average in Michigan, New York, and Louisiana.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $300 each year, whereas increasing liability limits will cost you more. 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

Because rates have so much variability, the best way to figure out exactly what you will pay is to do a rate comparison from as many companies as possible. Every auto insurance company uses a different method to calculate rates, and rates will be varied.

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 the Best Volvo XC90 Insurance

Finding cheaper rates on Volvo XC90 insurance consists of having a good driving record, having a good credit score, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Compare prices once a year by quoting rates from direct car insurance companies, and also from insurance agencies where you live.

The next list is a brief recap of the data that was covered in the charts and tables above.

• You may be able to save as much as $120 per year simply by quoting online in advance
• Drivers who require increased levels of liability coverage will pay an extra $520 per year to raise from a 30/60 limit to the 250/500 level
• Drivers age 20 and younger pay higher rates, with premiums being up to $358 each month if comprehensive and collision insurance is included
• High-risk drivers who tend to receive serious violations could be forced to pay on average $1,250 more each year to buy Volvo XC90 insurance