Volvo XC90 Insurance Rates

U.S. average auto insurance rates for a Volvo XC90 are $1,086 annually with full coverage. Comprehensive insurance costs an estimated $192, collision costs $262, and liability coverage costs around $474. A policy with just liability insurance costs as low as $522 a year, with coverage for high-risk drivers costing $2,334 or more. 16-year-old drivers pay the highest rates at $4,298 a year or more.

Average premium for full coverage: $1,086

Price estimates broken down by individual coverage:

Prices are based on $500 policy deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all U.S. states and for different XC90 trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a large influence on car insurance rates. More rural locations have fewer collision claims than congested cities.

The price range example below illustrates how location helps determine insurance prices.

The ranges above demonstrate why anyone shopping for car insurance should compare prices for a targeted area and their own personal driving habits, rather than using rate averages.

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

Additional Rate Information

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

• The best full coverage rate is $653
• Using higher $1,000 deductibles will save approximately $104 annually
• The estimated rate for the average middle-age driver who has $500 deductibles is $1,086
• Buying more expensive low deductibles for physical damage coverage costs an additional $196 each year
• Higher-risk drivers with multiple tickets or accidents could pay up to $2,334 or more
• The price with full coverage for a teenage driver with full coverage can cost as much as $4,298 or more

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Insurance prices for a Volvo XC90 are also quite variable based on the trim level and model year, your driving record, and liability limits and deductibles.

An older driver with a clean driving record and high physical damage deductibles may only pay around $1,000 a year for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they can expect to pay at least $4,200 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out $1,300 to $1,800 extra each year, depending on your age. High-risk driver insurance can be around 42% to 133% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could cut prices by as much as $300 a year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $426 more per year. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Volvo XC90 insurance rates. A driver around age 40 might see prices as low as $780 a year in states like Utah, Ohio, and New Hampshire, or at least $1,470 on average in New York, Michigan, and Florida.

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Since prices can be so different, the best way to find out which car insurance is cheapest is to compare prices and see how they stack up. Each insurance company utilizes a different rate formula, so the prices may be quite different between companies.

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 Buy Affordable Volvo XC90 Insurance

Getting lower rates on auto insurance requires being safe and accident-free, having a good credit history, avoid buying unnecessary coverage, and taking advantage of discounts. Invest time comparing rates every time your policy renews by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

Below you'll find a brief review of the information covered in the charts and tables above.

• You may be able to save approximately $120 per year simply by shopping early and online
• Youthful drivers are charged the highest prices, costing up to $358 a month including comprehensive and collision insurance
• Increasing physical damage deductibles could save up to $300 each year
• Drivers with DUI or reckless driving convictions pay on average $1,250 more annually than a low-risk driver
• Consumers who want more liability protection will pay around $520 every year to increase from a low limit to higher 250/500 limits