Volvo XC90 Insurance Rates

The average insurance rates for a Volvo XC90 are $1,086 a year including full coverage. Comprehensive insurance costs an estimated $192, collision costs $262, and liability is $474. A liability-only policy costs around $522 a year, with high-risk insurance costing $2,334 or more. Teen drivers cost the most to insure at $4,298 a year or more.

Average premium for full coverage: $1,086

Policy rates broken down by type of insurance:

Prices include $500 physical damage insurance deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 U.S. states and for different XC90 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on the price of auto insurance. More rural locations are shown to have lower incidents of comprehensive and collision claims than larger metro areas.

The price range example below illustrates how geographic area affects insurance prices.

The examples above highlight why anyone shopping for car insurance should compare rates quotes for a targeted area, instead of using price averages.

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

Additional Rate Details

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

• The lowest rate with discounts is $653
• Raising to $1,000 deductibles will save approximately $104 every year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,086
• Choosing more expensive low deductibles will cost an additional $196 every year
• At-risk drivers with multiple violations and an at-fault accident could pay up to $2,334 or more
• Policy cost that insures a teen driver with full coverage can cost as much as $4,298

View Chart as Image

Car insurance rates for a Volvo XC90 also range considerably based on the model year and trim level, your driving record and age, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you are likely paying $1,300 to $1,800 extra every year, depending on your age. High-risk driver insurance is expensive and can cost as much as 42% to 133% more than average. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,000 every 12 months on average, or $83 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will be charged at least $4,200 a year. View Rates by Age

Your home state also has a big influence on Volvo XC90 insurance prices. A middle-age driver might find rates as low as $830 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,550 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing high deductibles can reduce rates by up to $300 every 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 raise rates by up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to compare rates and see which company has the best rate. Every auto insurance company uses a different rate calculation, so rate quotes 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 the Right Volvo XC90 Insurance

Finding cheaper rates on car insurance consists of being a low-risk driver, having a positive credit history, paying for small claims out-of-pocket, and not having any coverage lapses. Shop around at every policy renewal by getting rate quotes from direct car insurance companies, and also from your local car insurance providers.

The items below are a quick rundown of the data presented in the illustrations above.

• Policyholders who want more liability coverage will pay about $520 per year to raise from a 30/60 limit to the 250/500 level
• You may be able to save approximately $120 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles can save approximately $300 each year
• Teen drivers have the highest car insurance rates, with premiums being up to $358 each month if full coverage is purchased