Volvo XC90 Insurance Rates
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UPDATED: May 8, 2024
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U.S. average insurance rates for a Volvo XC90 are $1,086 a year with full coverage. Comprehensive costs an estimated $192, collision insurance costs $262, and liability is $474. A policy with just liability insurance costs around $522 a year, and coverage for high-risk drivers costs around $2,334. 16-year-old drivers pay the highest rates at up to $4,298 a year.
Average premium for full coverage: $1,086
Price estimates broken down by individual coverage:
Prices include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all U.S. states and for all XC90 models.
Price Range from Low to High
Using a 40-year-old driver as an example, Volvo XC90 insurance prices range from as low as $522 for the bare minimum liability coverage to the much higher price of $2,334 for a driver who has had serious violations or accidents.
Geographic Price Range
Choosing to live in a large city can have significant affects on car insurance rates. More rural locations have a lower frequency of collision claims than congested cities. The example below illustrates how rural and urban location affects insurance prices.
The ranges above demonstrate why everyone should compare rates quotes for a targeted area and risk profile, 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.
Additional Rate Information
The chart below details average Volvo XC90 insurance rates for other coverage scenarios.
- The best full coverage rate is $653
- Raising to $1,000 deductibles will save approximately $104 annually
- The average rate for the average middle-age driver who has $500 deductibles is $1,086
- Buying pricier low deductibles will increase the cost to $1,282
- At-risk drivers with multiple tickets or accidents could pay up to $2,334
- The price for full coverage for a teen driver for full coverage can cost as much as $4,298
Insurance prices for a Volvo XC90 are also quite variable based on your driving record, the trim level and model year, and liability limits and deductibles.
A more mature driver with a clean driving record and high deductibles may pay as little as $1,000 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even good drivers can expect to pay at least $4,200 a year. View Rates by Age
The state you live in also has a big influence on Volvo XC90 insurance prices. A middle-age driver might find prices as low as $780 a year in states like Utah, Ohio, and New Hampshire, or at least $1,470 on average in New York, Michigan, and Florida.
| 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% |
Opting for high physical damage deductibles can reduce prices by up to $300 every year, whereas buying more liability protection will increase premiums. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $426 more per year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you may be forking out $1,300 to $1,800 extra each year, depending on your age. Volvo XC90 insurance for high-risk drivers is expensive and can cost as much as 42% to 133% more than the average rate. View High Risk Driver Rates
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 the Right Volvo XC90 Insurance
Getting lower rates on car insurance consists of avoiding accidents and violations, maintaining good credit, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Set aside time to shop around every other policy renewal by obtaining price quotes from direct companies like Progressive and GEICO, and also from local exclusive and independent agents.
The list below is a quick rundown of the ideas that were raised in the charts and tables above.
- Teenagers are charged the highest prices, costing up to $358 a month for full coverage
- Higher risk drivers with reckless driving or DUI convictions may pay on average $1,250 more annually for car insurance
- Increasing physical damage deductibles can save around $300 each year
- You may be able to save approximately $120 per year just by quoting online well ahead of the renewal date
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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