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

Average premium for full coverage: $1,086

Premium estimates for type of coverage:

Comprehensive $192
Collision $262
Liability $474

Price estimates include $500 policy deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 states and for different XC90 trim levels.

Insurance Price Range by Risk and Coverage

For a 40-year-old driver, insurance rates for a Volvo XC90 go from as low as $522 for just liability coverage to a much higher rate of $2,334 for a high-risk driver policy.

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

Insurance Price Range by Location

Your location has a significant impact on car insurance rates. Areas with sparse population are statistically proven to have a lower frequency of physical damage claims than larger metro areas.

The price range example below illustrates how your location can change auto insurance rates.

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

These rate differences illustrate why anyone shopping for car insurance should compare rates for a specific zip code and risk profile, rather than relying on price 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.

Detailed Rate Analysis

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

  • The lowest rate with discounts is $653
  • Drivers who choose higher $1,000 deductibles will pay about $104 each year
  • The average rate for a 40-year-old good driver using $500 deductibles is $1,086
  • Choosing more expensive low deductibles for comprehensive and collision insurance will increase the cost to $1,282
  • High risk drivers with multiple violations and an at-fault accident could pay at least $2,334 or more
  • An auto insurance policy for full coverage for a teen driver with full coverage can be $4,298 a year

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

Insurance prices for a Volvo XC90 also have a wide range based on your driving characteristics, the model year and trim level, and deductibles and policy limits.

An older driver with a clean driving record and high deductibles could pay as little as $1,000 per year on average, or $83 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers can expect to pay as much as $4,200 a year. View Rates by Age

Where you choose to live makes a big difference in Volvo XC90 insurance rates. A 40-year-old driver could pay as low as $710 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,470 on average in Michigan, New York, and Florida.

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

Choosing high deductibles could save up to $300 each year, while increasing your policy's liability limits will increase prices. Switching from a 50/100 limit to a 250/500 limit will cost up to $426 more per year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are probably paying at least $1,300 to $1,800 extra annually, depending on your age. High-risk driver insurance can cost anywhere from 42% to 133% more than average. View High Risk Driver Rates

With such a large range in prices, the only way to figure out your exact price is to compare prices from as many companies as possible. Every company uses a different rate calculation, so the prices will be substantially different 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 Cheaper Volvo XC90 Insurance

Finding better rates on Volvo XC90 insurance not only requires avoiding accidents and claims, but also maintaining good credit, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Invest the time to shop around every time your policy renews by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The points below are a condensed summary of the information illustrated above.

  • It is possible to save up to $120 per year simply by shopping early and online
  • Drivers under the age of 20 pay higher prices, with premiums being up to $358 per month for full coverage
  • Increasing policy deductibles can save around $300 each year
  • High-risk drivers with multiple at-fault accidents may pay on average $1,250 more every year to insure a Volvo XC90
  • Drivers who may need increased liability limits will pay about $520 annually to go from 30/60 bodily injury limits to 250/500 limits

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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