Volvo XC90 Insurance Rates

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2010 Volvo XC90 Insurance Quotes in 2025

Finding low-cost insurance for a new or used Volvo XC90 could be a painful process, but you can follow a few tricks to save time. There is a right way and a wrong way to find insurance coverage online and we'll show you the quickest way to compare rates for a new or used Volvo and locate the cheapest rates. You should take the time to compare prices as often as possible due to the fact that insur...

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Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...

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UPDATED: May 8, 2024

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The average insurance rates for a Volvo XC90 are $1,086 a year including full coverage. Comprehensive costs around $192, collision costs $262, and liability is $474. A liability-only policy costs around $522 a year, with high-risk insurance costing around $2,334. 16-year-old drivers cost the most to insure at $4,298 a year or more.

Average premium for full coverage: $1,086

Policy rates for type of insurance:

Comprehensive $192
Collision $262
Liability $474

Prices are based on $500 deductible amounts, liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and for different XC90 trim levels.

Price Range Variability

For an average driver, Volvo XC90 insurance rates go from as low as $522 for basic liability insurance to a much higher rate of $2,334 for a driver that may need high-risk insurance.

Liability Only $522
Full Coverage $1,086
High Risk $2,334

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on the price of insurance. Areas with sparse population are shown to have a lower frequency of comprehensive and collision claims than congested cities.

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

Rural Areas $815
Small Cities $1,140
Large Cities $1,466

The examples above highlight why anyone shopping for car insurance should compare rates quotes for a specific zip code and risk profile, instead of making a decision based on rate averages.

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

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Rate Comparisons

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

  • The best full coverage rate is $653
  • Raising to $1,000 deductibles will save about $104 every year
  • The average rate for a good driver age 40 using $500 deductibles is $1,086
  • Buying more expensive low deductibles will increase the cost to $1,282
  • Drivers with multiple tickets or accidents could pay at least $2,334 or more
  • Policy cost for full coverage for a 16-year-old driver with full coverage can be $4,298

View Chart as Image

Volvo XC90 insurance cost comparison chart
Column chart showing full coverage Volvo XC90 insurance rates range from $653 to $4,298

Car insurance rates for a Volvo XC90 also range considerably based on your risk profile, the model of your XC90, and deductibles and policy limits.

An older driver with no driving violations and high deductibles may pay as low as $1,000 every 12 months on average, or $83 per month, for full coverage. Rates are highest for teenagers, where even good drivers will be charged as much as $4,200 a year. View Rates by Age

Your home state also has a big influence on Volvo XC90 insurance prices. A middle-age driver might find rates as low as $830 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,550 on average in Michigan, New York, and Louisiana.

Volvo XC90 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $980 -$106 -9.8%
Alaska $830 -$256 -23.6%
Arizona $900 -$186 -17.1%
Arkansas $1,086 -$0 0.0%
California $1,236 $150 13.8%
Colorado $1,036 -$50 -4.6%
Connecticut $1,114 $28 2.6%
Delaware $1,228 $142 13.1%
Florida $1,358 $272 25.0%
Georgia $1,000 -$86 -7.9%
Hawaii $780 -$306 -28.2%
Idaho $734 -$352 -32.4%
Illinois $808 -$278 -25.6%
Indiana $816 -$270 -24.9%
Iowa $732 -$354 -32.6%
Kansas $1,032 -$54 -5.0%
Kentucky $1,478 $392 36.1%
Louisiana $1,606 $520 47.9%
Maine $670 -$416 -38.3%
Maryland $894 -$192 -17.7%
Massachusetts $868 -$218 -20.1%
Michigan $1,884 $798 73.5%
Minnesota $908 -$178 -16.4%
Mississippi $1,298 $212 19.5%
Missouri $962 -$124 -11.4%
Montana $1,166 $80 7.4%
Nebraska $854 -$232 -21.4%
Nevada $1,302 $216 19.9%
New Hampshire $780 -$306 -28.2%
New Jersey $1,212 $126 11.6%
New Mexico $962 -$124 -11.4%
New York $1,144 $58 5.3%
North Carolina $624 -$462 -42.5%
North Dakota $888 -$198 -18.2%
Ohio $748 -$338 -31.1%
Oklahoma $1,114 $28 2.6%
Oregon $994 -$92 -8.5%
Pennsylvania $1,036 -$50 -4.6%
Rhode Island $1,444 $358 33.0%
South Carolina $984 -$102 -9.4%
South Dakota $916 -$170 -15.7%
Tennessee $950 -$136 -12.5%
Texas $1,308 $222 20.4%
Utah $804 -$282 -26.0%
Vermont $742 -$344 -31.7%
Virginia $648 -$438 -40.3%
Washington $840 -$246 -22.7%
West Virginia $994 -$92 -8.5%
Wisconsin $752 -$334 -30.8%
Wyoming $966 -$120 -11.0%

View Chart as Image

Volvo XC90 insurance rates by U.S. city

Opting for high physical damage deductibles can reduce rates by up to $300 annually, while increasing your policy's liability limits will increase rates. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying at least $1,300 to $1,800 extra every year, depending on your age. High-risk driver insurance is expensive and can cost from 42% to 133% more than the average rate. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out your exact price is to compare rates from multiple companies. Every auto insurance company utilizes a different rate formula, so rate quotes will be varied from one company to the next.

Insurance Rates by Trim Level and Model Year

Volvo XC90 Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Volvo XC90 3.2 2WD $1,064 $89
Volvo XC90 3.2 R-Design 2WD $1,064 $89
Volvo XC90 3.2 AWD $1,104 $92
Volvo XC90 V8 AWD $1,104 $92

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.

Volvo XC90 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Volvo XC90 $346 $600 $390 $1,494
2023 Volvo XC90 $332 $596 $398 $1,484
2022 Volvo XC90 $320 $582 $416 $1,476
2021 Volvo XC90 $310 $558 $430 $1,456
2020 Volvo XC90 $292 $538 $442 $1,430
2019 Volvo XC90 $282 $500 $452 $1,392
2018 Volvo XC90 $270 $470 $456 $1,354
2017 Volvo XC90 $258 $422 $460 $1,298
2016 Volvo XC90 $242 $388 $460 $1,248
2014 Volvo XC90 $228 $340 $474 $1,200
2013 Volvo XC90 $210 $316 $474 $1,158
2012 Volvo XC90 $206 $286 $478 $1,128
2011 Volvo XC90 $192 $262 $474 $1,086
2010 Volvo XC90 $180 $238 $474 $1,050

Rates are averaged for all Volvo XC90 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Find Affordable Volvo XC90 Insurance

Finding cheaper rates on insurance for a Volvo XC90 consists of having a good driving record, having above-average credit, paying for small claims out-of-pocket, and qualifying for all possible discounts. Take the time to compare rates once a year by requesting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The next list is a brief review of the data that was covered in the above illustrations.

  • You may be able to save up to $120 per year simply by shopping early and online
  • Insureds who may need increased levels of liability coverage will pay around $520 per year to raise from a 30/60 limit to 250/500 limits
  • Drivers age 20 and younger are the costliest to insure, with premiums being up to $358 each month if full coverage is included
  • Drivers considered higher risk with DUI or reckless driving convictions pay on average $1,250 more every year to buy Volvo XC90 insurance

Rates by Driver Age

Volvo XC90 Insurance Rates by Driver Age
Driver Age Premium
16 $4,298
20 $2,476
30 $1,108
40 $1,086
50 $994
60 $974

Full coverage, $500 deductibles

Rates by Deductible

Volvo XC90 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,282
$250 $1,192
$500 $1,086
$1,000 $982

Full coverage, driver age 40

Rates by Liability Limit

Volvo XC90 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,086
50/100 $1,199
100/300 $1,317
250/500 $1,625
100 CSL $1,246
300 CSL $1,507
500 CSL $1,697

Full coverage, driver age 40

Rates for High Risk Drivers

Volvo XC90 Insurance Rates for High Risk Drivers
Age Premium
16 $6,070
20 $3,948
30 $2,360
40 $2,334
50 $2,230
60 $2,208

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $146

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $56
Multi-vehicle $58
Homeowner $19
5-yr Accident Free $68
5-yr Claim Free $68
Paid in Full/EFT $41
Advance Quote $49
Online Quote $74
Total Discounts $433
Rate after discounts $653

Discounts are estimated and may not be available from every company or in every state.

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