Volvo XC90 Insurance Rates

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

Estimates include $500 policy deductibles, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 states and XC90 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on the price of auto insurance. Rural locations are shown to have a lower frequency of physical damage claims than densely populated cities.

The diagram below illustrates the effect of geographic area on auto insurance prices.

The examples above illustrate why it is important to get quotes using their specific location and risk profile, instead of making a decision based on average rates.

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

More Rate Information

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

• The best discount rate is $653
• Choosing higher $1,000 deductibles can save $982 each year
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,086
• Using low $100 deductibles for comp and collision coverage will cost an extra $196 annually
• Higher-risk drivers who are prone to accidents and violations could pay around $2,334 or more
• Policy cost for full coverage for a 16-year-old driver can cost $4,298 each year

View Chart as Image

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

Older drivers with a clean driving record and high deductibles may pay as low as $1,000 annually on average, or $83 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay in the ballpark of $4,200 a year. View Rates by Age

Your home state plays a big part in determining prices for Volvo XC90 insurance prices. A good driver about age 40 could pay as low as $710 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,470 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles can save as much as $300 annually, while buying higher liability limits will push rates upward. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $426 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying anywhere from $1,300 to $1,800 extra every year, depending on your age. A high-risk auto insurance policy ranges from 42% to 133% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the only way to figure out who has the best car insurance rates is to get quotes from multiple companies. Each auto insurer uses a different method to calculate rates, so the rates will be varied from one company to the next.

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 Low Cost Volvo XC90 Insurance

Finding cheaper rates on insurance for a Volvo XC90 takes being a good driver, maintaining good credit, being claim-free, and maximizing policy discounts. Take the time to compare rates every year by requesting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The following list is a review of the coverage data covered in the above illustrations.

• It is possible to save around $120 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles can save around $300 each year
• Drivers age 16 to 20 are expensive to insure, possibly costing $358 each month for full coverage
• Drivers considered higher risk who have several accidents or serious violations may pay on average $1,250 more per year than a safer driver