Volvo XC90 Insurance Rates

The average insurance rates for a Volvo XC90 are $1,086 a year for full coverage. Comprehensive insurance costs approximately $192 each year, collision costs $262, and liability insurance costs $474. Buying just liability costs as little as $522 a year, with insurance for high-risk drivers costing $2,334 or more. Teens 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:

Price estimates include $500 policy deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and XC90 models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on car insurance rates. Rural locations are shown to have lower incidents of accident claims than cities with more traffic congestion.

The graphic below illustrates how location helps determine auto insurance prices.

The examples above show why all drivers should compare rates using their specific location, rather than relying on averaged prices.

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

Additional Rate Details

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

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

View Chart as Image

Insurance rates for a Volvo XC90 also range considerably based on the trim level and model year, how you drive, and physical damage deductibles and liability limits.

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

More mature drivers with a clean 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 can expect to pay in the ballpark of $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 $720 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,550 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $300 each year, whereas increasing liability limits will push rates upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $426 more per year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to do a rate comparison from as many companies as possible. Every company calculates rates differently, 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 Find Cheaper Volvo XC90 Insurance

Finding cheaper rates on Volvo XC90 insurance not only requires being safe and accident-free, but also having above-average credit, avoid buying unnecessary coverage, and maximizing policy discounts. Compare rates once a year by getting quotes from direct carriers, and also from insurance agencies where you live.

Below you'll find a condensed summary of the data that was covered in the charts and tables above.

• Drivers can save around $120 per year simply by quoting online in advance
• Drivers who purchase more liability protection will pay approximately $520 each year to go from a 30/60 limit to the 250/500 level
• Youthful drivers are expensive to insure, costing up to $358 each month if full coverage is included
• High-risk drivers with multiple at-fault accidents could be forced to pay on average $1,250 more per year than a low-risk driver