Volvo XC90 Insurance Rates

Average insurance rates for a Volvo XC90 are $1,086 a year for full coverage insurance. Comprehensive costs an estimated $192 each year, collision costs $262, and liability is $474. Buying just liability costs around $522 a year, with insurance for high-risk drivers costing around $2,334. Teenage drivers receive the highest rates at $4,298 a year or more.

Average premium for full coverage: $1,086

Rate estimates broken down by individual coverage type:

Prices are based on $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 states and XC90 models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can make a big difference on the price of insurance. More rural locations tend to have a lower frequency of physical damage claims than densely populated cities.

The graphic below illustrates how location impacts insurance prices.

These examples illustrate why all drivers should compare rates quotes for a targeted area and risk profile, instead of making a decision based on average rates.

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

Additional Rate Information

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

• The best discount rate is $653
• Raising to $1,000 deductibles will save approximately $104 each year
• The average rate for a 40-year-old driver who has $500 deductibles is $1,086
• Using low deductibles will increase the cost to $1,282
• Drivers who are prone to accidents and violations could pay up to $2,334 or more
• The cost for full coverage for a 16-year-old driver can cost as much as $4,298

View Chart as Image

Auto insurance rates for a Volvo XC90 can also vary considerably based on your driver profile, the model year and trim level, and liability limits and deductibles.

More mature drivers with a good driving record and high deductibles may pay as low as $1,000 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even good drivers will have to pay at least $4,200 a year. View Rates by Age

Where you live also has a big influence on Volvo XC90 insurance prices. A middle-age driver might find rates as low as $710 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,470 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $300 annually, whereas increasing liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will cost as much as $426 extra every year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying $1,300 to $1,800 in extra premium per year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 42% to 133% more than a normal policy. View High Risk Driver Rates

With so much variability in rates, the only way to figure out which company is cheapest is to do a rate comparison from multiple companies. Every auto insurance company uses a different method to calculate rates, and quoted rates can be significantly different from one company to the next.

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 Affordable Volvo XC90 Insurance

Saving money on insurance for a Volvo XC90 consists of being a low-risk driver, having good credit, avoid buying unnecessary coverage, and qualifying for all possible discounts. Spend time shopping around at every other renewal by obtaining price quotes from direct insurance companies like GEICO and Progressive, and also from several local insurance agents.

The items below are a brief review of the concepts that were touched on above.

• Drivers considered higher risk with DUI or reckless driving convictions pay on average $1,250 more annually to insure their XC90
• Teen drivers are the costliest to insure, costing up to $358 per month if they have full coverage
• It is possible to save approximately $120 per year simply by quoting online in advance
• Increasing deductibles can save around $300 each year
• It is possible to save approximately $120 per year simply by quoting online in advance