Volvo XC90 Insurance Rates

Average insurance rates for a Volvo XC90 are $1,086 a year for full coverage insurance. Comprehensive insurance costs an estimated $192, collision costs $262, and liability insurance is $474. A policy with just liability insurance costs around $522 a year, with coverage for high-risk drivers costing $2,334 or more. Teens receive the highest rates at $4,298 a year or more.

Average premium for full coverage: $1,086

Rate estimates broken down by individual coverage type:

Prices are based on $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all 50 states and for all XC90 models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a significant impact on the price of insurance. More rural locations tend to have lower incidents of physical damage claims than cities with more traffic congestion.

The example below illustrates the difference between rural and urban areas on insurance prices.

These examples illustrate why everyone should compare rates quotes for a targeted area, rather than relying on averaged prices.

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

Rates by State, City, and Model

The chart below illustrates estimated Volvo XC90 insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $653
• Raising to $1,000 deductibles will save approximately $104 each year
• The estimated price for a 40-year-old driver who has $500 deductibles is $1,086
• Selecting pricier low deductibles will cost an additional $196 a year
• Higher-risk drivers with serious driving violations could pay up to $2,334 or more
• The cost that insures a teen driver for full coverage can cost as much as $4,298

View Chart as Image

Insurance rates for a Volvo XC90 can also vary considerably based on the model of your XC90, your age and driving record, and liability limits and deductibles.

If you like to drive fast or you caused an accident, you are probably paying $1,300 to $1,800 additional per year, depending on your age. Volvo XC90 insurance for high-risk drivers is expensive and can cost anywhere from 42% to 133% more than the average policy. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,000 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records should be prepared to pay at least $4,200 a year. View Rates by Age

Where you live also has a big influence on Volvo XC90 insurance rates. A middle-age driver might find rates as low as $710 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,470 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $300 each year, whereas buying more liability protection will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $426 more each year. View Rates by Deductible or Liability Limit

With so much variability in rates, the only way to figure out which company is cheapest is to regularly compare rates from as many companies as possible. Every auto insurance company calculates rates differently, and rates can be significantly different.

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 Affordable Volvo XC90 Insurance

Saving money on Volvo XC90 insurance consists of avoiding accidents and violations, having a good credit score, avoid buying unnecessary coverage, and maximizing policy discounts. Compare rates every time your policy renews by requesting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The list below is a brief review of the information covered above.

• It is possible to save approximately $120 per year simply by quoting online well ahead of the renewal date
• Teenagers are expensive to insure, costing up to $358 per month if comprehensive and collision insurance is included
• Increasing deductibles can save approximately $300 each year
• High-risk drivers with DUI or reckless driving convictions may have to pay on average $1,250 more annually for car insurance
• Drivers who want higher liability limits will pay approximately $520 annually to raise from a minimum limit to the 250/500 level