Volvo XC90 Insurance Rates

Estimated insurance rates for a Volvo XC90 are $1,128 a year with full coverage. Comprehensive costs around $206 a year, collision costs $286, and liability insurance is $478. Liability-only insurance costs around $526 a year, with high-risk driver insurance costing around $2,426. Teens pay the most at $4,434 a year or more.

Average premium for full coverage: $1,128

Premium estimates for type of coverage:

Estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all U.S. states and XC90 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a significant impact on insurance rates. Areas with sparse population are statistically proven to have a lower frequency of collision claims than cities with more traffic congestion.

The diagram below illustrates the effect of geographic area on auto insurance rates.

These rate differences demonstrate why it is important to compare rates quotes for a specific zip code and risk profile, rather than relying on averaged prices.

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

Additional Rate Information

The chart below details estimated Volvo XC90 insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $676
• Raising to $1,000 deductibles will save about $1,016 annually
• The average rate for a 40-year-old good driver using $500 deductibles is $1,128
• Selecting low $100 deductibles will increase the cost to $1,342
• Higher-risk drivers with serious driving violations could pay at least $2,426 or more
• An auto insurance policy for full coverage for a teen driver can be $4,434

View Chart as Image

Insurance prices for a Volvo XC90 also have a wide range based on your driving characteristics, the trim level and model year, and deductibles and policy limits.

Older drivers with no violations or accidents and high deductibles could pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers should be prepared to pay as much as $4,400 a year. View Rates by Age

Where you choose to live also has a big influence on Volvo XC90 insurance rates. A middle-age driver might find prices as low as $810 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,520 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $330 each year, while buying higher liability limits will increase prices. Moving from a 50/100 limit to a 250/500 limit will cost up to $430 more each year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you may be forking out at least $1,300 to $1,900 additional annually, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 43% to 129% more than the average policy. View High Risk Driver Rates

With such a large range in prices, the best way to find out your exact price is to get quotes from as many companies as possible. Every auto insurance company calculates prices differently, and prices will be substantially different from one company to the next.

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 Low Cost Volvo XC90 Insurance

Finding better rates on Volvo XC90 insurance consists of avoiding accidents and violations, having a good credit history, being claim-free, and taking advantage of discounts. Take the time to compare rates every couple of years by quoting rates from direct companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The list below is a review of the material that was covered in the above illustrations.

• Drivers who may need higher liability limits will pay approximately $530 every year to raise from 30/60 bodily injury limits to 250/500 limits
• Teenagers are charged the highest prices, possibly costing $370 per month including comprehensive and collision insurance
• High-risk drivers who have several accidents or serious violations pay an average of $1,300 more every year for car insurance
• Increasing policy deductibles can save around $325 each year