Volvo XC90 Insurance Rates

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

Average premium for full coverage: $1,086

Price estimates for individual coverage:

These estimates include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Estimates are averaged for all states and XC90 models.

Price Range from Low to High

Geographic Price Range

Living in a larger city can have significant affects on auto insurance rates. Areas with sparse population have fewer accident claims than densely populated cities.

The graphic below illustrates the difference between rural and urban areas on auto insurance rates.

The ranges above show why all drivers should get quotes for a specific zip code and their own personal driving habits, instead of using average rates.

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

Rate Comparisons

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

• The best discount rate is $653
• Choosing higher $1,000 deductibles can save about $104 a year
• The estimated rate for the average middle-age driver using $500 deductibles is $1,086
• Using low deductibles for comp and collision coverage will cost $1,282
• Unlucky drivers who are prone to accidents and violations could pay at least $2,334 or more
• The price with full coverage for a teen driver can be $4,298 each year

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Insurance prices for a Volvo XC90 are also quite variable based on the trim level and model year, your driver profile, and deductibles and policy limits.

More mature drivers with a clean driving record and high physical damage deductibles may pay as little as $1,000 annually on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they can expect to pay as much as $4,200 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you could be paying at least $1,300 to $1,800 extra each year, depending on your age. Insurance for high-risk drivers ranges as much as 42% to 133% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $300 every year, whereas increasing liability limits will increase prices. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $426 more per year. View Rates by Deductible or Liability Limit

The state you live in plays a big part in determining prices for Volvo XC90 insurance prices. A good driver about age 40 could pay as low as $720 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,550 on average in Michigan, Louisiana, and New York.

View Chart as Image

Since prices can be so different, the only way to know your exact price is to do a rate comparison and see which company has the best price. Each auto insurer uses a different method to calculate prices, so the prices may be quite different between companies.

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 Buy Cheap Volvo XC90 Insurance

Getting lower rates on car insurance takes avoiding accidents and violations, having a good credit history, eliminating unnecessary coverage, and insuring your home and auto with the same company. Set aside time to compare rates every year by quoting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The list below is a brief summary of the coverage data covered above.

• Drivers can save up to $120 per year simply by quoting online in advance
• Increasing physical damage deductibles could save up to $300 each year
• Teenagers pay higher prices, with premiums as much as $358 a month including comprehensive and collision insurance
• Higher risk drivers that tend to have accidents or serious violations pay an average of $1,250 more every year for car insurance