Volvo XC90 Insurance Rates

The average insurance rates for a Volvo XC90 are $1,086 a year with full coverage. Comprehensive insurance costs around $192, collision insurance costs $262, and liability insurance costs $474. Liability-only insurance costs as little as $522 a year, and high-risk driver 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 for type of insurance:

Rate estimates include $500 physical damage deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and for different XC90 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on insurance rates. Areas with sparse population are shown to have lower incidents of collision claims than cities with more traffic congestion. The price range example below illustrates the effect of geographic area on auto insurance rates.

The examples above demonstrate why anyone shopping for car insurance should compare rates for a specific zip code, rather than relying on averaged prices.

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

Additional Rate Analysis

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

• The cheapest rate after discounts is $653
• Drivers who choose higher $1,000 deductibles will pay about $104 annually
• The estimated price for a good driver age 40 using $500 deductibles is $1,086
• Selecting more expensive low deductibles for comprehensive and collision insurance will cost an additional $196 a year
• High risk drivers with serious driving violations could pay at least $2,334
• Policy cost that insures a teen driver with full coverage can be $4,298 a year

View Chart as Image

Auto insurance rates for a Volvo XC90 also range considerably based on the model year and trim level, your age and driving habits, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you may be forking out at least $1,300 to $1,800 in extra premium every year, depending on your age. High-risk driver insurance can cost anywhere from 42% to 133% more than the average policy. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,000 per year on average, or $83 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will have to pay as much as $4,200 a year. View Rates by Age

Your home state makes a big difference in Volvo XC90 insurance rates. A 40-year-old driver could pay as low as $780 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,470 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $300 each year, while increasing your policy's liability limits will increase rates. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $426 extra every year. 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 the Best Volvo XC90 Insurance

Finding cheaper rates on Volvo XC90 insurance not only requires being a safe and courteous driver, but also maintaining a good credit score, not filing small claims, and possibly raising deductibles. Compare rates every couple of years by obtaining price quotes from direct companies, and also from your local independent and exclusive agents.

Below is a brief recap of the material that was covered in the above illustrations.

• Drivers who may need higher levels of liability will pay approximately $520 every year to go from a 30/60 limit to the 250/500 level
• Teenage drivers are expensive to insure, as much as $358 each month if the policy includes full coverage
• High-risk drivers who tend to receive serious violations may pay on average $1,250 more every year for auto insurance
• Increasing comprehensive and collision deductibles can save approximately $300 each year