Volvo XC90 Insurance Rates

Estimated insurance rates for a Volvo XC90 are $1,128 a year for full coverage insurance. Comprehensive costs on average $206, collision costs $286, and liability costs around $478. A policy with only liability insurance costs as low as $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:

Full coverage includes $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 states and for all XC90 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can have significant affects on insurance rates. Rural areas are statistically proven to have lower incidents of physical damage claims than densely populated cities.

The example below illustrates how location helps determine car insurance rates.

These rate differences illustrate why everyone should compare prices based on a specific location, 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 different risk profiles and scenarios.

• The best discount rate is $676
• Using higher $1,000 deductibles will save around $112 each year
• The estimated price for a 40-year-old good driver with $500 deductibles is $1,128
• Using pricier low deductibles for physical damage coverage bumps up the cost to $1,342
• Drivers who are prone to accidents and violations could pay upwards of $2,426 or more
• An auto insurance policy that insures a teen driver for full coverage may cost $4,434 or more

View Chart as Image

Car insurance prices for a Volvo XC90 also have a wide range based on the model of your XC90, your age and driving record, and policy deductibles and limits.

If you have a few violations or you caused an accident, you are probably paying at a minimum $1,300 to $1,900 extra annually, depending on your age. Volvo XC90 insurance for high-risk drivers can be as much as 43% to 129% more than a normal policy. View High Risk Driver Rates

A more mature driver with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,100 a year, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will be charged upwards of $4,400 a year. View Rates by Age

Where you choose to live has a huge impact on Volvo XC90 insurance prices. A driver around age 40 might see prices as low as $740 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,520 on average in Michigan, New York, and Florida.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $330 every year, whereas buying more liability protection will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $430 extra every 12 months. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to figure out exactly what you will pay is to regularly compare prices and see which company has the best price. Each insurance company uses a different method to calculate prices, so rate quotes will be substantially different.

Insurance Rates by Trim Level and Model Year

Rates assume 2011 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 More Affordable Volvo XC90 Insurance

Finding better rates on car insurance requires having a decent driving record, having a positive credit history, paying for small claims out-of-pocket, and maximizing policy discounts. Compare prices at every other renewal by requesting quotes from direct insurance companies, and also from your local independent and exclusive agents.

The following items are a summary of the concepts that were covered in the charts and tables above.

• Higher risk drivers who have multiple accidents or major violations may pay on average $1,300 more each year than a driver with a clean driving record
• 16 to 18-year-old drivers are expensive to insure, with premiums being up to $370 per month if full coverage is purchased
• It is possible to save as much as $130 per year simply by quoting online well ahead of the renewal date
• Increasing policy deductibles can save approximately $325 each year
• It is possible to save as much as $130 per year simply by quoting online well ahead of the renewal date