Volvo XC90 Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: May 8, 2024
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Estimated insurance prices for a Volvo XC90 are $1,050 every 12 months for full coverage. Comprehensive insurance costs on average $180 each year, collision costs $238, and liability costs $474. A liability-only policy costs as little as $522 a year, with high-risk insurance costing $2,256 or more. Teenage drivers pay the most at $4,188 a year or more.
Average premium for full coverage: $1,050
Premium estimates by type of coverage:
Prices are based on $500 policy deductibles, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all states and XC90 models.
Insurance Price Range by Risk and Coverage
Using a 40-year-old driver as an example, insurance rates for a Volvo XC90 go from the cheapest price of $522 for minimum levels of liability insurance to a high rate of $2,256 for a driver who requires high-risk insurance.
Insurance Price Range by Location
Your location can have significant affects on car insurance rates. Rural areas are statistically proven to have more infrequent accident claims than densely populated cities.
The graphic below illustrates how rural and urban location affects car insurance rates.
These rate differences show why all drivers should compare rates based on a specific location and their own driving history, instead of using average rates.
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.
Additional Rate Details
The chart below shows estimated Volvo XC90 insurance rates for different risk profiles and scenarios.
- The best discount rate is $635
- Drivers who choose higher $1,000 deductibles will pay around $96 a year
- The average price for a 40-year-old good driver with $500 deductibles is $1,050
- Using low deductibles for comprehensive and collision insurance costs an extra $180 every year
- Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,256 or more
- An auto insurance policy to insure a teen driver may cost $4,188 a year
Auto insurance prices for a Volvo XC90 also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the trim level of your XC90.
Using high physical damage deductibles could save up to $280 every year, whereas increasing liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will cost up to $426 extra every year. View Rates by Deductible or Liability Limit
More mature drivers with a good driving record and higher deductibles may pay as little as $1,000 per year on average, or $83 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will have to pay upwards of $4,100 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you could be paying at a minimum $1,200 to $1,800 in extra premium annually, depending on your age. Insurance for high-risk drivers can cost as much as 43% to 127% more than a normal policy. View High Risk Driver Rates
Where you choose to live makes a big difference in Volvo XC90 insurance prices. A 40-year-old driver could pay as low as $690 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,500 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $948 | -$102 | -9.7% |
| Alaska | $804 | -$246 | -23.4% |
| Arizona | $872 | -$178 | -17.0% |
| Arkansas | $1,050 | -$0 | 0.0% |
| California | $1,196 | $146 | 13.9% |
| Colorado | $1,002 | -$48 | -4.6% |
| Connecticut | $1,078 | $28 | 2.7% |
| Delaware | $1,188 | $138 | 13.1% |
| Florida | $1,312 | $262 | 25.0% |
| Georgia | $968 | -$82 | -7.8% |
| Hawaii | $754 | -$296 | -28.2% |
| Idaho | $708 | -$342 | -32.6% |
| Illinois | $780 | -$270 | -25.7% |
| Indiana | $790 | -$260 | -24.8% |
| Iowa | $708 | -$342 | -32.6% |
| Kansas | $998 | -$52 | -5.0% |
| Kentucky | $1,432 | $382 | 36.4% |
| Louisiana | $1,552 | $502 | 47.8% |
| Maine | $646 | -$404 | -38.5% |
| Maryland | $864 | -$186 | -17.7% |
| Massachusetts | $840 | -$210 | -20.0% |
| Michigan | $1,822 | $772 | 73.5% |
| Minnesota | $876 | -$174 | -16.6% |
| Mississippi | $1,256 | $206 | 19.6% |
| Missouri | $930 | -$120 | -11.4% |
| Montana | $1,128 | $78 | 7.4% |
| Nebraska | $828 | -$222 | -21.1% |
| Nevada | $1,258 | $208 | 19.8% |
| New Hampshire | $756 | -$294 | -28.0% |
| New Jersey | $1,174 | $124 | 11.8% |
| New Mexico | $930 | -$120 | -11.4% |
| New York | $1,106 | $56 | 5.3% |
| North Carolina | $604 | -$446 | -42.5% |
| North Dakota | $860 | -$190 | -18.1% |
| Ohio | $724 | -$326 | -31.0% |
| Oklahoma | $1,078 | $28 | 2.7% |
| Oregon | $960 | -$90 | -8.6% |
| Pennsylvania | $1,002 | -$48 | -4.6% |
| Rhode Island | $1,398 | $348 | 33.1% |
| South Carolina | $950 | -$100 | -9.5% |
| South Dakota | $886 | -$164 | -15.6% |
| Tennessee | $920 | -$130 | -12.4% |
| Texas | $1,264 | $214 | 20.4% |
| Utah | $778 | -$272 | -25.9% |
| Vermont | $718 | -$332 | -31.6% |
| Virginia | $628 | -$422 | -40.2% |
| Washington | $812 | -$238 | -22.7% |
| West Virginia | $960 | -$90 | -8.6% |
| Wisconsin | $726 | -$324 | -30.9% |
| Wyoming | $936 | -$114 | -10.9% |
With such a large range in prices, the only way to know exactly what you will pay is to do a rate comparison and see which company has the best price. Every company uses a different method to calculate prices, and quoted prices will be substantially different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Volvo XC90 3.2 2WD | $1,032 | $86 |
| Volvo XC90 3.2 R-Design 2WD | $1,032 | $86 |
| Volvo XC90 3.2 AWD | $1,068 | $89 |
| Volvo XC90 V8 AWD | $1,068 | $89 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Volvo XC90 | $332 | $596 | $398 | $1,484 |
| 2023 Volvo XC90 | $320 | $582 | $416 | $1,476 |
| 2022 Volvo XC90 | $310 | $558 | $430 | $1,456 |
| 2021 Volvo XC90 | $292 | $538 | $442 | $1,430 |
| 2020 Volvo XC90 | $282 | $500 | $452 | $1,392 |
| 2019 Volvo XC90 | $270 | $470 | $456 | $1,354 |
| 2018 Volvo XC90 | $258 | $422 | $460 | $1,298 |
| 2017 Volvo XC90 | $242 | $388 | $460 | $1,248 |
| 2016 Volvo XC90 | $234 | $364 | $464 | $1,220 |
| 2014 Volvo XC90 | $210 | $316 | $474 | $1,158 |
| 2013 Volvo XC90 | $206 | $286 | $478 | $1,128 |
| 2012 Volvo XC90 | $192 | $262 | $474 | $1,086 |
| 2011 Volvo XC90 | $180 | $238 | $474 | $1,050 |
| 2010 Volvo XC90 | $174 | $214 | $468 | $1,014 |
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 Shop for Affordable Volvo XC90 Insurance
Finding better rates on car insurance not only requires being safe and accident-free, but also having a good credit score, not filing small claims, and taking advantage of discounts. Set aside time to shop around at every other renewal by requesting rates from direct carriers, and also from local independent and exclusive agents.
Below you'll find a brief review of the concepts that were raised in the charts and tables above.
- Higher risk drivers with DUI or reckless driving convictions pay an average of $1,210 more each year than a low-risk driver
- Youthful drivers are charged the highest prices, as much as $349 per month if comprehensive and collision insurance is included
- Drivers can save as much as $120 per year simply by quoting online in advance
- Increasing policy deductibles could save as much as $275 each year
- Drivers can save as much as $120 per year simply by quoting online in advance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,188 |
| 20 | $2,396 |
| 30 | $1,070 |
| 40 | $1,050 |
| 50 | $962 |
| 60 | $942 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,230 |
| $250 | $1,148 |
| $500 | $1,050 |
| $1,000 | $954 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,050 |
| 50/100 | $1,163 |
| 100/300 | $1,281 |
| 250/500 | $1,589 |
| 100 CSL | $1,210 |
| 300 CSL | $1,471 |
| 500 CSL | $1,661 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,904 |
| 20 | $3,818 |
| 30 | $2,278 |
| 40 | $2,256 |
| 50 | $2,158 |
| 60 | $2,136 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $54 |
| Multi-vehicle | $56 |
| Homeowner | $18 |
| 5-yr Accident Free | $65 |
| 5-yr Claim Free | $66 |
| Paid in Full/EFT | $39 |
| Advance Quote | $46 |
| Online Quote | $71 |
| Total Discounts | $415 |
Discounts are estimated and may not be available from every company or in every state.
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