Volvo XC90 Insurance Rates

Estimated insurance rates for a Volvo XC90 are $1,086 a year for full coverage insurance. Comprehensive costs on average $192, collision costs $262, and liability insurance costs around $474. Liability-only insurance costs as low as $522 a year, with high-risk driver insurance costing around $2,334. Teenage drivers pay the most at $4,298 a year or more.

Average premium for full coverage: $1,086

Premium estimates by type of coverage:

These estimates include $500 physical damage insurance deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 states and for all XC90 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a significant impact on insurance rates. Rural areas are statistically proven to have lower incidents of physical damage claims than densely populated cities.

The example below illustrates how location impacts car insurance rates.

These rate differences illustrate why everyone should compare prices based on a specific location, rather than relying on average rates.

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

Additional Rate Details

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

• The best discount rate is $653
• Using higher $1,000 deductibles will save around $104 each year
• The estimated price for a 40-year-old good driver with $500 deductibles is $1,086
• Using pricier low deductibles for physical damage coverage bumps up the cost to $1,282
• Drivers who are prone to accidents and violations could pay upwards of $2,334 or more
• An auto insurance policy that insures a teen driver for full coverage may cost $4,298 or more

View Chart as Image

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

If you have a few violations or you caused an accident, you are probably paying at a minimum $1,300 to $1,800 additional annually, depending on your age. Volvo XC90 insurance for high-risk drivers can be anywhere from 42% to 133% more than a normal policy. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,000 a year, or $83 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records should be prepared to pay upwards of $4,200 a year. View Rates by Age

Where you choose to live has a huge impact on Volvo XC90 insurance rates. A driver around age 40 might see prices 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.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $300 each year, whereas buying more liability protection will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $426 more each year. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to figure out exactly what you will pay is to regularly compare prices from as many companies as possible. Each insurance company uses a different method to calculate prices, and prices will be substantially 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 Find Cheap Volvo XC90 Insurance

Finding better rates on Volvo XC90 insurance requires being a low-risk driver, having a good credit score, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Compare prices at least once a year by getting quotes from direct insurance companies, and also from your local independent and exclusive agents.

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

• It is possible to save as much as $120 per year simply by quoting online well ahead of the renewal date
• High-risk drivers that tend to have accidents or serious violations may pay on average $1,250 more each year to insure their XC90
• Increasing policy deductibles can save approximately $300 each year
• Teen drivers pay higher prices, with premiums being up to $358 per month if comprehensive and collision insurance is included