Volvo XC90 Insurance Rates

The average insurance rates for a Volvo XC90 are $1,086 a year for full coverage insurance. Comprehensive insurance costs approximately $192, collision insurance costs $262, and liability is estimated at $474. A liability-only policy costs approximately $522 a year, and high-risk insurance costs $2,334 or more. Teens cost the most to insure at up to $4,298 a year.

Average premium for full coverage: $1,086

Policy rates by type of insurance:

These estimates include $500 deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 states and for all XC90 models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on the price of auto insurance. Rural locations are shown to have lower incidents of physical damage claims than cities with more traffic congestion. The example below illustrates how where you live affects auto insurance prices.

The examples above illustrate why everyone should get quotes using their specific location, instead of making a decision based on averaged prices.

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

Additional Charts and Tables

The chart below illustrates average Volvo XC90 insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $653
• Choosing higher $1,000 deductibles can save $104 each year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,086
• Selecting pricier low deductibles for comp and collision coverage will cost an additional $196 annually
• Higher-risk drivers with serious driving violations could pay around $2,334
• Policy cost that insures a 16-year-old driver for full coverage can cost $4,298 each year

View Chart as Image

Car insurance rates for a Volvo XC90 also range considerably based on the model of your XC90, your age and driving record, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you are probably paying anywhere from $1,300 to $1,800 extra every year, depending on your age. Volvo XC90 insurance for high-risk drivers ranges from 42% to 133% more than the average policy. View High Risk Driver Rates

A more mature driver with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,000 annually on average, or $83 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will be charged in the ballpark of $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 $710 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,470 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $300 annually, whereas buying more liability protection will push rates upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $426 extra every 12 months. 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 Cheap Volvo XC90 Insurance

Finding cheaper rates on insurance for a Volvo XC90 takes not taking risks behind the wheel, having a positive credit history, being claim-free, and attention to physical damage deductibles. Compare rates at least every other year by getting rate quotes from direct insurance companies, and also from your local car insurance providers.

The following is a brief summary of the car insurance concepts touched on in the above illustrations.

• Drivers considered higher risk that tend to have accidents or serious violations could be charged and average of $1,250 more per year for XC90 insurance
• It is possible to save around $120 per year just by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save approximately $300 each year
• Insureds who purchase higher liability limits will pay approximately $520 annually to raise limits from a 30/60 limit to the 250/500 level