Volvo XC90 Insurance Rates

The average insurance rates for a Volvo XC90 are $1,086 a year including full coverage. Comprehensive costs an estimated $192 each year, collision insurance costs $262, and liability is estimated at $474. Buying just liability costs approximately $522 a year, and insurance for high-risk drivers costs around $2,334. 16-year-old drivers cost the most to insure at up to $4,298 a year.

Average premium for full coverage: $1,086

Policy rates broken down by type of insurance:

Rate estimates include $500 policy deductibles, minimum liability limits, 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

Living in a larger city can have significant affects on the price of auto insurance. More rural locations are shown to have lower incidents of comprehensive and collision claims than congested cities. The graphic below illustrates the difference between rural and urban areas on insurance prices.

The examples above highlight why all drivers should get quotes for a targeted area, instead of using rate averages.

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

Additional Rate Analysis

The chart below breaks down average Volvo XC90 insurance rates for other coverage scenarios.

• The best full coverage rate is $653
• Choosing higher $1,000 deductibles can save approximately $104 every year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,086
• Buying low deductibles for comp and collision coverage bumps up the cost to $1,282
• Unlucky drivers with multiple tickets or accidents could pay up to $2,334
• Policy cost that insures a teen driver can cost as much as $4,298 each year

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 liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you are likely paying $1,300 to $1,800 extra every year, depending on your age. Insurance for high-risk drivers ranges as much as 42% to 133% more than the average rate. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,000 annually on average, or $83 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records can expect to pay at least $4,200 a year. View Rates by Age

Your home state plays a big part in determining prices for Volvo XC90 insurance prices. A good driver about age 40 could pay as low as $830 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,550 on average in Louisiana, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles can save as much as $300 every year, whereas increasing liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $426 more per year. View Rates by Deductible or Liability Limit

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 car insurance takes being safe and accident-free, having above-average credit, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Comparison shop every couple of years by requesting rates from direct car insurance companies, and also from your local car insurance providers.

Below you'll find a brief recap of the material that was covered above.

• Policyholders who want more liability protection will pay around $520 per year to raise limits from a 30/60 limit to the 250/500 level
• Youthful drivers are charged the highest rates, with premiums being up to $358 each month if full coverage is included
• Higher risk drivers who tend to receive serious violations could be charged and average of $1,250 more annually than a low-risk driver
• Increasing comprehensive and collision deductibles can save approximately $300 each year