Volvo XC90 Insurance Rates

Estimated insurance rates for a Volvo XC90 are $1,128 a year including full coverage. Comprehensive costs approximately $206, collision costs $286, and liability is estimated at $478. Liability-only coverage costs approximately $526 a year, with high-risk coverage costing around $2,426. Teenage drivers pay the most at $4,434 a year or more.

Average premium for full coverage: $1,128

Premium estimates by type of coverage:

Prices include $500 policy deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 U.S. states and for all XC90 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can have significant affects on car insurance prices. Rural locations are statistically proven to have a lower frequency of comprehensive and collision claims than densely populated cities.

The example below illustrates the difference location can make on auto insurance prices.

These rate differences highlight why everyone should get quotes using their specific location and risk profile, instead of using average rates.

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

More Rate Information

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

• The best discount rate is $676
• Choosing higher $1,000 deductibles can save $112 every year
• The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,128
• Using pricier low deductibles for comp and collision coverage will increase the cost to $1,342
• Unlucky drivers who are prone to accidents and violations could pay around $2,426 or more
• An auto insurance policy for full coverage for a teen driver for full coverage can cost $4,434 each year

View Chart as Image

Insurance prices for a Volvo XC90 also have a wide range based on your driving characteristics, the model of your XC90, and physical damage deductibles and liability limits.

A more mature driver with a clean driving record and high deductibles may pay as little as $1,100 annually on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers can expect to pay in the ballpark of $4,400 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Volvo XC90 insurance prices. A good driver about age 40 could pay as low as $870 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,610 on average in Louisiana, New York, and Michigan.

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Using high physical damage deductibles can save as much as $330 every year, whereas buying more liability protection will push prices upward. Changing from a 50/100 limit to a 250/500 limit will cost up to $430 more per year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are likely paying anywhere from $1,300 to $1,900 extra annually, depending on your age. Volvo XC90 insurance for high-risk drivers ranges as much as 43% to 129% more than a normal policy. View High Risk Driver Rates

With such a large range in prices, the best way to figure out who has the best auto insurance prices is to regularly compare prices and see which company has the best price. Each auto insurer uses a different method to calculate prices, so the prices will be substantially different 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 the Right Volvo XC90 Insurance

Finding better rates on car insurance takes being safe and accident-free, maintaining good credit, refrain from filing small claims, and maximizing policy discounts. Make time to compare rates at every policy renewal by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

Below you'll find a quick rundown of the data touched on in this article.

• Policyholders who purchase more liability protection will pay an extra $530 per year to raise limits from 30/60 bodily injury limits to 250/500 limits
• You may be able to save around $130 per year simply by quoting online well ahead of the renewal date
• Increasing policy deductibles can save around $325 each year
• Youthful drivers are expensive to insure, with the cost nearing $370 per month for full coverage