Volvo XC90 Insurance Rates
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UPDATED: May 8, 2024
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Average insurance rates for a Volvo XC90 are $1,086 a year for full coverage. Comprehensive costs approximately $192 each year, collision costs $262, and liability insurance is estimated at $474. Buying just liability costs approximately $522 a year, with insurance for high-risk drivers costing around $2,334. Teen drivers receive the highest rates at $4,298 a year or more.
Average premium for full coverage: $1,086
Rate estimates by individual coverage type:
These estimates include $500 physical damage insurance deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all states and XC90 models.
Price Range by Coverage and Risk
For a driver around age 40, prices range go from the low end price of $522 for just the minimum liability insurance to a high rate of $2,334 for coverage for higher-risk drivers.
Price Range by Location
Living in a larger city has a significant impact on car insurance rates. Rural locations tend to have lower incidents of accident claims than larger metro areas.
The graphic below illustrates the difference between rural and urban areas on auto insurance prices.
These examples show why all drivers should get quotes using their specific location, 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.
Additional Rate Analysis
The chart below shows estimated Volvo XC90 insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $653
- Choosing higher $1,000 deductibles can save $104 a year
- The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,086
- Choosing low deductibles for comp and collision coverage bumps up the cost to $1,282
- High-risk insureds with multiple violations and an at-fault accident could pay around $2,334 or more
- The cost that insures a teen driver can cost $4,298 each year
Auto insurance rates for a Volvo XC90 can also vary considerably based on the trim level and model year, how you drive, and physical damage deductibles and liability limits.
If you like to drive fast or you caused an accident, you could be paying anywhere from $1,300 to $1,800 in extra premium per year, depending on your age. Insurance for high-risk drivers ranges anywhere from 42% to 133% more than average. View High Risk Driver Rates
More mature drivers with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,000 annually on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will have to pay in the ballpark of $4,200 a year. View Rates by Age
Where you live plays a big part in determining prices for Volvo XC90 insurance rates. A good driver about age 40 could pay as low as $720 a year in states like Iowa, Maine, and Idaho, or as much as $1,550 on average in New York, Louisiana, and Michigan.
| 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% |
Choosing high deductibles can save as much as $300 each year, whereas increasing liability limits will push rates upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $426 extra every year. View Rates by Deductible or Liability Limit
With so much variability in rates, the only way to know who has the cheapest car insurance rates is to do a rate comparison from as many companies as possible. Each auto insurer uses a different rate calculation, and quoted rates can be significantly different.
Insurance Rates by Trim Level and Model Year
| 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.
| 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 Cheap Volvo XC90 Insurance
Saving money on Volvo XC90 insurance takes being a low-risk driver, maintaining a good credit score, eliminating unneeded coverage, and not having any coverage lapses. Shop around at least once a year by requesting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
The items below are a brief summary of the primary concepts that were covered above.
- Drivers can save around $120 per year simply by quoting online in advance
- High-risk drivers that tend to have accidents or serious violations could be forced to pay on average $1,250 more per year to insure their XC90
- Increasing deductibles can save approximately $300 each year
- Teen drivers have the highest car insurance rates, costing as high as $358 per month if the policy includes full coverage
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,282 |
| $250 | $1,192 |
| $500 | $1,086 |
| $1,000 | $982 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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