Volvo XC90 Insurance Rates

Estimated insurance rates for a Volvo XC90 are $1,086 a year including full coverage. Comprehensive costs an estimated $192, collision insurance costs $262, and liability insurance costs around $474. Liability-only coverage costs as low as $522 a year, and high-risk coverage costs around $2,334. Teens pay the most at up to $4,298 a year.

Average premium for full coverage: $1,086

Premium estimates broken down by type of coverage:

Price estimates include $500 policy deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and for different XC90 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a significant impact on the price of auto insurance. More rural locations are statistically proven to have lower incidents of comprehensive and collision claims than cities with more traffic congestion. The price range example below illustrates how location helps determine insurance prices.

These rate differences highlight why anyone shopping for car insurance should compare prices for a targeted area, rather than relying on averaged prices.

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

Detailed Rate Analysis

The chart below breaks down average Volvo XC90 insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $653
• Using higher $1,000 deductibles will save approximately $104 every year
• The estimated price for a 40-year-old good driver who has $500 deductibles is $1,086
• Selecting more expensive low deductibles for physical damage coverage bumps up the cost to $1,282
• Drivers with serious driving violations could pay up to $2,334
• An auto insurance policy that insures a teen driver with full coverage can cost as much as $4,298 or more

View Chart as Image

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

If you have a few violations or you caused an accident, you are likely paying $1,300 to $1,800 extra annually, depending on your age. High-risk driver insurance can be anywhere from 42% to 133% more than the average policy. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,000 a year, or $83 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records can expect to pay at least $4,200 a year. View Rates by Age

Where you choose to live has a huge impact on Volvo XC90 insurance rates. A driver around age 40 might see prices as low as $830 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,550 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $300 each year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $426 more per 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 Cheaper Volvo XC90 Insurance

Finding better rates on Volvo XC90 insurance requires avoiding accidents and claims, having above-average credit, refrain from filing small claims, and deciding if full coverage is necessary. Compare rates at least once a year by getting quotes from direct car insurance companies, and also from your local car insurance providers.

The points below are a condensed summary of the primary concepts that were covered in the charts and tables above.

• You may be able to save approximately $120 per year just by shopping early and online
• High-risk drivers with multiple at-fault accidents could be charged and average of $1,250 more annually to insure a Volvo XC90
• Increasing policy deductibles can save approximately $300 each year
• Drivers under the age of 20 are charged the highest prices, with the cost nearing $358 per month if full coverage is included