Volvo XC90 Insurance Rates

Estimated insurance rates for a Volvo XC90 are $1,086 a year for full coverage. Comprehensive insurance costs on average $192, collision costs $262, and liability coverage is $474. Liability-only insurance costs around $522 a year, with high-risk driver insurance costing $2,334 or more. 16-year-old drivers pay the most at $4,298 a year or more.

Average premium for full coverage: $1,086

Premium estimates by type of coverage:

Rate estimates include $500 deductibles, 30/60 liability limits, and includes uninsured motorist coverage. Rates include averaging for all states and for different XC90 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a large influence on car insurance rates. Rural areas are statistically proven to have lower incidents of accident claims than congested cities.

The price range example below illustrates the effect of geographic area on car insurance rates.

These rate differences show why anyone shopping for car insurance should compare rates quotes based on a specific location, rather than using rate averages.

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

Insurance Rate Analysis

The chart below shows estimated Volvo XC90 insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $653
• Raising to $1,000 deductibles will save around $104 a year
• The estimated price for a 40-year-old good driver with $500 deductibles is $1,086
• Buying more expensive low deductibles will cost an additional $196 each year
• Unlucky drivers with multiple tickets or accidents could pay upwards of $2,334 or more
• An auto insurance policy that insures a teenage driver with full coverage may cost $4,298

View Chart as Image

Insurance prices for a Volvo XC90 also have a wide range based on the model year and trim level, how you drive, and policy deductibles and limits.

If you have a few violations or you caused an accident, you could be paying at a minimum $1,300 to $1,800 additional annually, depending on your age. High-risk driver insurance is expensive and can cost around 42% to 133% more than the average rate. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,000 every 12 months on average, or $83 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records should be prepared to pay upwards of $4,200 a year. View Rates by Age

Where you choose to live also has a big influence on Volvo XC90 insurance rates. A middle-age driver might find prices as low as $720 a year in states like Idaho, Maine, and Iowa, or at least $1,550 on average in Michigan, Louisiana, and New York.

View Chart as Image

Opting for high physical damage deductibles can reduce prices by up to $300 a year, while increasing your policy's liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $426 more each year. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to know exactly what you will pay is to compare prices and see how they stack up. Every auto insurance company utilizes a different rate formula, and prices 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 the Best Volvo XC90 Insurance

Finding better rates on auto insurance consists of being a safe driver, having a good credit score, not filing small claims, and insuring your home and auto with the same company. Comparison shop at every policy renewal by requesting rates from direct carriers, and also from local exclusive and independent agents.

Here is a brief recap of the data covered in the above illustrations.

• Consumers who require more liability insurance will pay around $520 each year to raise from 30/60 bodily injury limits to the 250/500 level
• Drivers can save as much as $120 per year simply by shopping early and online
• Increasing policy deductibles can save approximately $300 each year
• Young drivers pay higher prices, as much as $358 per month if comprehensive and collision insurance is included