Volvo XC90 Insurance Rates

The average insurance prices for a Volvo XC90 are $1,128 every 12 months including full coverage. Comprehensive insurance costs around $206 each year, collision costs $286, and liability insurance is estimated at $478. Buying just liability costs approximately $526 a year, with insurance for high-risk drivers costing $2,426 or more. Teen drivers cost the most to insure at $4,434 a year or more.

Average premium for full coverage: $1,128

Policy rates for type of insurance:

Prices are based on $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and XC90 models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on the price of insurance. Areas with sparse population are shown to have more infrequent comprehensive and collision claims than larger metro areas.

The graphic below illustrates how where you live affects auto insurance rates.

The examples above highlight why all drivers should get quotes for a specific zip code and their own driving history, rather than relying on price averages.

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

Additional Rate Information

The chart below breaks down estimated Volvo XC90 insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $676
• Choosing higher $1,000 deductibles can save about $112 every year
• The average price for a good driver age 40 using $500 deductibles is $1,128
• Choosing low deductibles for comp and collision coverage costs an extra $214 a year
• High-risk insureds with multiple violations and an at-fault accident could pay at least $2,426 or more
• Policy cost to insure a teen driver can be $4,434 each year

View Chart as Image

Insurance rates for a Volvo XC90 also range considerably based on liability limits and deductibles, your driving characteristics, and the trim level and model year.

Choosing high deductibles can save as much as $330 each year, whereas increasing liability limits will increase rates. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $430 more per year. View Rates by Deductible or Liability Limit

More mature drivers with a clean driving record and higher deductibles could pay as little as $1,100 annually on average, or $92 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers can expect to pay as much as $4,400 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying at least $1,300 to $1,900 extra every year, depending on your age. Insurance for high-risk drivers ranges anywhere from 43% to 129% more than average. View High Risk Driver Rates

Your home state plays a big part in determining prices for Volvo XC90 insurance rates. A good driver about age 40 could pay as low as $870 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,610 on average in Michigan, New York, and Louisiana.

View Chart as Image

Because rates have so much variability, the best way to figure out your exact price is to do a rate comparison from as many companies as possible. Each auto insurer uses a different rate calculation, so the rates 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 Shop for Affordable Volvo XC90 Insurance

Finding cheaper rates on Volvo XC90 insurance takes being a safe and courteous driver, having good credit, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Take the time to comparison shop every other policy renewal by quoting rates from direct car insurance companies, and also from insurance agencies where you live.

Below is a brief review of the ideas that were touched on in the above illustrations.

• Teenage drivers pay higher rates, with premiums being up to $370 each month if they have full coverage
• High-risk drivers with DUI or reckless driving convictions could be forced to pay on average $1,300 more every year for auto insurance
• Increasing comprehensive and collision deductibles could save as much as $325 each year
• You may be able to save up to $130 per year simply by quoting online in advance