Volvo XC90 Insurance Rates
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UPDATED: May 8, 2024
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The average auto insurance rates for a Volvo XC90 are $1,050 annually for full coverage. Comprehensive costs around $180 a year, collision costs $238, and liability is estimated at $474. Liability-only coverage costs approximately $522 a year, with high-risk coverage costing around $2,256. 16-year-old drivers cost the most to insure at $4,188 a year or more.
Average premium for full coverage: $1,050
Policy rates for type of insurance:
Rate estimates include $500 policy deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all states and XC90 trim levels.
Price Range Variability
For an average driver, Volvo XC90 insurance rates go from as cheap as $522 for just liability coverage to a high of $2,256 for a driver required to buy high-risk insurance.
Urban vs. Rural Price Range
Living in a larger city can have significant affects on auto insurance rates. Areas with sparse population are shown to have fewer accident claims than congested cities.
The diagram below illustrates the effect of geographic area on auto insurance rates.
The examples above show why it is important to get quotes for a specific zip code and their own personal driving habits, instead of using 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.
Detailed Rate Analysis
The chart below shows estimated Volvo XC90 insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $635
- Choosing higher $1,000 deductibles can save about $954 a year
- The estimated rate for a good driver age 40 using $500 deductibles is $1,050
- Buying low $100 deductibles for comp and collision coverage will cost $1,230
- Unlucky drivers with multiple tickets or accidents could pay at least $2,256 or more
- Policy cost with full coverage for a teen driver can be $4,188 each year
Insurance rates for a Volvo XC90 also range considerably based on the model year and trim level, your driver profile, and deductibles and policy limits.
Older drivers with no violations or accidents and high physical damage deductibles may pay as little as $1,000 annually on average, or $83 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they should be prepared to pay as much as $4,100 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you could be paying at least $1,200 to $1,800 additional every year, depending on your age. A high-risk auto insurance policy ranges as much as 43% to 127% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can save as much as $280 every year, while buying higher liability limits will increase rates. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $426 more each year. View Rates by Deductible or Liability Limit
Your home state plays a big part in determining prices for Volvo XC90 insurance prices. A good driver about age 40 could pay as low as $690 a year in states like Idaho, Maine, and Iowa, or at least $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% |
Because rates have so much variability, the only way to know your exact price is to get quotes and see which company has the best rate. Each auto insurer utilizes a different rate formula, and rates will be varied between companies.
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 Buy the Best Volvo XC90 Insurance
Finding cheaper rates on car insurance takes avoiding accidents and claims, having good credit, avoid buying unnecessary coverage, and taking advantage of discounts. Take the time to compare rates at every policy renewal by quoting rates from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.
The points below are a brief recap of the data covered in the above illustrations.
- Policyholders who may need increased liability limits will pay around $520 each year to raise limits from a 30/60 limit to higher 250/500 limits
- Drivers can save up to $120 per year simply by quoting early and online
- Increasing comprehensive and collision deductibles could save up to $275 each year
- Drivers under the age of 20 are charged the highest rates, costing up to $349 each month if they have full coverage
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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