Volvo XC90 3.2 2WD Insurance Rates

Estimated insurance rates for a Volvo XC90 3.2 2WD are $1,480 a year including full coverage. Comprehensive costs approximately $354, collision insurance costs $604, and liability insurance costs $364. A liability-only policy costs as little as $430 a year, and high-risk insurance costs around $3,184. Teenage drivers pay the most at up to $5,360 a year.

Annual premium for full coverage: $1,480

Premium estimates by type of insurance:

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Volvo XC90 Trim Level

Insurance Price Range by Location

Your location has a significant impact on car insurance prices. Rural locations are statistically proven to have lower incidents of comprehensive and collision claims than densely populated cities. The price range example below illustrates how where you live affects auto insurance prices.

These rate differences highlight why anyone shopping for car insurance should compare rates using their specific location, rather than relying on average rates.

Use the form below to get rates for your location.

Auto insurance rates for a Volvo XC90 3.2 2WD also have a wide range based on the model year, your driving record and age, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you are likely paying anywhere from $1,700 to $2,400 in extra premium annually, depending on your age. High-risk driver insurance can cost anywhere from 45% to 129% more than a normal policy. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,400 per year on average, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will have to pay in the ballpark of $5,300 a year. View Rates by Age

Where you choose to live makes a big difference in Volvo XC90 3.2 2WD insurance rates. A 40-year-old driver could pay as low as $1,060 a year in states like North Carolina, Indiana, and , or be forced to pay as much as $1,950 on average in Louisiana, Montana, and Michigan. Rates by state and city are shown later in the article.

Using high physical damage deductibles could save up to $640 each year, while increasing your policy's liability limits will push prices upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $327 extra every year. View Rates by Deductible or Liability Limit

With such a large range of prices, the best way to figure out which insurance company is cheapest is to compare prices from as many companies as possible. Every company uses a different method to calculate prices, and quoted rates will be substantially different.

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The chart above shows average Volvo XC90 3.2 2WD insurance prices for various risks and coverage choices. The lowest price with discounts is $849. Drivers who use higher $1,000 deductibles will pay $1,262. The average price for a middle-aged driver with a clean driving record using $500 deductibles is $1,480. Using more expensive $100 deductibles for collision and other-than-collision coverage can cost as much as $1,900. Drivers with multiple violations and accidents could be charged up to $3,184. The price for full coverage insurance for a teenager is $5,360.

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