Volvo XC90 Insurance Rates

The average insurance prices for a Volvo XC90 are $1,086 every 12 months including full coverage. Comprehensive costs approximately $192, collision costs $262, and liability costs around $474. Buying just liability costs as low as $522 a year, with insurance for high-risk drivers costing around $2,334. 16-year-old drivers cost the most to insure at $4,298 a year or more.

Average premium for full coverage: $1,086

Policy rates by type of insurance:

Includes $500 policy deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and for all XC90 models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on car insurance prices. Rural locations are shown to have more infrequent comprehensive and collision claims than congested cities.

The example below illustrates how your location can change auto insurance prices.

The examples above highlight why everyone should compare prices using their specific location and their own driving history, instead of making a decision based on rate averages.

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

Additional Rate Information

The chart below breaks down estimated Volvo XC90 insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $653
• Using higher $1,000 deductibles will save $104 every year
• The average price for a good driver age 40 who chooses $500 deductibles is $1,086
• Buying pricier low deductibles for physical damage coverage increases the price to $1,282
• High-risk insureds with multiple tickets or accidents could pay around $2,334 or more
• Policy cost to insure a 16-year-old driver for full coverage can cost $4,298 or more

View Chart as Image

Insurance rates for a Volvo XC90 also range considerably based on liability limits and deductibles, your driving characteristics, and the model of your XC90.

Opting for high physical damage deductibles could cut rates by as much as $300 annually, whereas buying more liability protection will push rates upward. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $426 more per year. View Rates by Deductible or Liability Limit

A more mature driver with a clean driving record and higher deductibles may pay as low as $1,000 a year, or $83 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers can expect to pay in the ballpark of $4,200 a year. View Rates by Age

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

Your home state has a huge impact on Volvo XC90 insurance prices. A driver around age 40 might see rates as low as $830 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,550 on average in Louisiana, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to regularly compare rates from multiple companies. Each insurance company utilizes a different rate formula, so the rates will be varied.

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 Cheapest Volvo XC90 Insurance

Finding cheaper rates on insurance for a Volvo XC90 requires avoiding accidents and claims, having good credit, paying for small claims out-of-pocket, and maximizing policy discounts. Invest the time to shop around at every other renewal by requesting quotes from direct car insurance companies, and also from your local car insurance providers.

The points below are a recap of the concepts that were illustrated above.

• Drivers considered higher risk that have major violations or accidents could be charged and average of $1,250 more per year to insure a Volvo XC90
• Drivers under the age of 20 are expensive to insure, with premiums being up to $358 each month if they have full coverage
• You may be able to save around $120 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles could save as much as $300 each year
• You may be able to save around $120 per year simply by quoting online well ahead of the renewal date