Volvo XC90 Insurance Rates

U.S. average insurance prices for a Volvo XC90 are $1,086 every 12 months for full coverage insurance. Comprehensive insurance costs around $192 a year, collision insurance costs $262, and liability insurance costs $474. A policy with just liability insurance costs as little as $522 a year, and coverage for high-risk drivers costs $2,334 or more. Teenage drivers pay the highest rates at up to $4,298 a year.

Average premium for full coverage: $1,086

Price estimates for individual coverage:

These estimates include $500 policy deductibles, 30/60 liability coverage, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 states and XC90 trim levels.

Price Range from Low to High

Geographic Price Range

Your location has a significant impact on car insurance rates. Areas with sparse population have more infrequent physical damage claims than densely populated cities. The diagram below illustrates how location impacts auto insurance rates.

The ranges above illustrate why it is important to compare rates for a specific zip code and their own driving history, rather than relying on average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $653
• Drivers who choose higher $1,000 deductibles will pay about $982 each year
• The average price for the average middle-age driver using $500 deductibles is $1,086
• Using low $100 deductibles for comprehensive and collision insurance costs an extra $196 a year
• High risk drivers who are prone to accidents and violations could pay at least $2,334
• The price to insure a teen driver can be $4,298 a year

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Insurance prices for a Volvo XC90 are also quite variable based on deductibles and policy limits, your risk profile, and the trim level and model year.

Using high physical damage deductibles could save up to $300 each year, while buying higher liability limits will increase prices. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $426 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles could pay as little as $1,000 per year on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers can expect to pay as much as $4,200 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are probably paying at least $1,300 to $1,800 extra each year, depending on your age. A high-risk auto insurance policy can cost anywhere from 42% to 133% more than a normal policy. View High Risk Driver Rates

The state you live in makes a big difference in Volvo XC90 insurance rates. A 40-year-old driver could pay as low as $710 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,470 on average in Michigan, New York, and Florida.

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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 Shop for Cheap Volvo XC90 Insurance

Getting lower rates on Volvo XC90 insurance not only requires avoiding accidents and claims, but also having good credit, not filing small claims, and dropping full coverage on older vehicles. Spend time shopping around every year by getting rate quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The points below are a brief summary of the coverage data touched on above.

• It is possible to save up to $120 per year just by quoting early and online
• Increasing physical damage deductibles could save as much as $300 each year
• Drivers under the age of 20 pay higher prices, as much as $358 a month if they have full coverage
• High-risk drivers that tend to have accidents or serious violations may pay on average $1,250 more every year to insure a Volvo XC90