Volvo XC90 Insurance Rates

Estimated insurance rates for a Volvo XC90 are $1,128 a year for full coverage insurance. Comprehensive costs approximately $206 a year, collision costs $286, and liability is estimated at $478. A policy with only liability insurance costs approximately $526 a year, with a high-risk policy 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:

Rate estimates include $500 deductible amounts, liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 states and XC90 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can have significant affects on the price of auto insurance. Rural locations are statistically proven to have a lower frequency of physical damage claims than densely populated cities.

The diagram below illustrates how location helps determine auto insurance prices.

These rate differences illustrate why it is important to 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.

Detailed Rate Analysis

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

• The best discount rate is $676
• Choosing higher $1,000 deductibles can save $1,016 each year
• The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,128
• Using low $100 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 can cost $4,434 each year

View Chart as Image

Car insurance prices for a Volvo XC90 also have a wide range based on your driving characteristics, the model year and trim level, and physical damage deductibles and liability limits.

Older drivers with no driving violations 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 will be charged 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 $740 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,520 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles can save as much as $330 every year, while buying higher liability limits will push prices upward. Switching from a 50/100 limit to a 250/500 limit will cost up to $430 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are probably paying anywhere from $1,300 to $1,900 extra annually, depending on your age. A high-risk auto insurance policy 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 only way to figure out who has the best car insurance prices is to get quotes and see which company has the best price. Each auto insurer uses a different method to calculate prices, so rate quotes 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 Best Volvo XC90 Insurance

Finding better rates on car insurance takes having a good driving record, having above-average credit, paying for small claims out-of-pocket, and avoiding coverage lapses. Invest time comparing rates once a year by requesting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The next list is a brief recap of the data that was covered in the charts and tables above.

• It is possible to save around $130 per year simply by quoting early and online
• Policyholders who purchase increased levels of liability coverage will pay an extra $530 annually to raise limits from 30/60 bodily injury limits to 250/500 limits
• Drivers age 20 and younger pay the highest auto insurance prices, with premiums being up to $370 per month if full coverage is included
• Higher risk drivers who tend to receive serious violations may pay on average $1,300 more per year to buy Volvo XC90 insurance