Volvo XC90 Insurance Rates

Estimated auto insurance rates for a Volvo XC90 are $1,086 annually including full coverage. Comprehensive insurance costs around $192, collision insurance costs $262, and liability is estimated at $474. Liability-only insurance costs approximately $522 a year, and high-risk driver insurance costs $2,334 or more. Teenage drivers pay the most at up to $4,298 a year.

Average premium for full coverage: $1,086

Premium estimates for type of coverage:

Estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all 50 U.S. states and for different XC90 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can have significant affects on the price of insurance. Areas with sparse population are statistically proven to have fewer comprehensive and collision claims than densely populated cities. The price range example below illustrates the effect of geographic area on auto insurance rates.

These rate differences highlight why anyone shopping for car insurance should get quotes for a specific zip code and their own personal driving habits, instead of using average rates.

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

Rates by State, City, and Model

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

• The best discount rate is $653
• Choosing higher $1,000 deductibles can save about $104 every year
• The estimated rate for a 40-year-old good driver using $500 deductibles is $1,086
• Using more expensive low deductibles for comp and collision coverage costs an additional $196 every year
• Unlucky drivers who are prone to accidents and violations could pay at least $2,334
• An auto insurance policy with full coverage for a teen driver with full coverage can be $4,298 each year

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Insurance prices for a Volvo XC90 also have a wide range based on the model of your XC90, your driving characteristics, and deductibles and policy limits.

An older driver with no violations or accidents and high physical damage deductibles may pay as little as $1,000 annually on average, or $83 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they should be prepared to pay as much as $4,200 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are likely paying at least $1,300 to $1,800 additional annually, depending on your age. High-risk driver insurance ranges as much as 42% to 133% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $300 every year, while increasing your policy's liability limits will increase prices. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $426 more each year. View Rates by Deductible or Liability Limit

Where you choose to live 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 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

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 Low Cost Volvo XC90 Insurance

Finding better rates on car insurance takes having a decent driving record, having good credit, refrain from filing small claims, and deciding if full coverage is necessary. Take the time to compare rates every other policy renewal by getting quotes from direct car insurance companies, and also from your local independent and exclusive agents.

The following items are a review of the ideas that were covered in the above illustrations.

• 16 to 18-year-old drivers are charged the highest prices, with the cost nearing $358 per month if they have full coverage
• Higher risk drivers who have several accidents or serious violations may pay on average $1,250 more every year than a driver with a clean driving record
• Increasing policy deductibles could save up to $300 each year
• You may be able to save up to $120 per year just by shopping early and online