Volvo XC90 Insurance Rates

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

Average premium for full coverage: $1,086

Price estimates by individual coverage:

Rates are based on $500 physical damage 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

Living in a larger city has a large influence on auto insurance rates. Rural areas have more infrequent collision claims than densely populated cities.

The price range example below illustrates the difference location can make on car insurance rates.

The ranges above demonstrate why anyone shopping for car insurance should get quotes based on a specific location and their own driving history, rather than using average rates.

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

Additional Rate Information

The chart below details estimated Volvo XC90 insurance rates for different risk profiles and scenarios.

• The best discount rate is $653
• Choosing higher $1,000 deductibles can save around $104 annually
• The average price for the average middle-age driver with $500 deductibles is $1,086
• Using more expensive low deductibles for comp and collision coverage costs an extra $196 each year
• Drivers who are prone to accidents and violations could pay upwards of $2,334 or more
• The price to insure a teenage driver with full coverage may cost $4,298 each year

View Chart as Image

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

Using high physical damage deductibles can save as much as $300 a year, while increasing your policy's liability limits will cost you more. Moving 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

An older driver with a clean driving record and higher deductibles may only pay around $1,000 annually on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers can expect to pay upwards of $4,200 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you may be forking out at a minimum $1,300 to $1,800 extra each year, depending on your age. High-risk driver insurance ranges around 42% to 133% more than a normal policy. View High Risk Driver Rates

The state you live in plays a big part in determining prices for Volvo XC90 insurance rates. A good driver about age 40 could pay as low as $780 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,470 on average in Florida, Michigan, and New York.

View Chart as Image

Since prices can be so different, the best way to find out exactly what you will pay is to compare prices and see how they stack up. Each auto insurer uses a different method to calculate prices, so the prices may be quite different.

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 the Best Cheap Volvo XC90 Insurance

Getting lower rates on auto insurance takes being a safe and courteous driver, having good credit, avoid buying unnecessary coverage, and bundling your home and auto policies. Make time to compare rates every time your policy renews by quoting rates from direct companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

Below is a quick review of the information touched on in this article.

• You may be able to save as much as $120 per year simply by shopping early and online
• Teenage drivers pay the highest prices, costing up to $358 a month if they have full coverage
• Increasing physical damage deductibles could save as much as $300 each year
• Drivers with a DUI or reckless driving violation may pay on average $1,250 more each year for auto insurance
• Consumers who require higher levels of liability will pay an extra $520 every year to raise limits from a low limit to a 250/500 level