Volvo XC90 Insurance Rates

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UPDATED: May 8, 2024

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Estimated insurance rates for a Volvo XC90 are $1,086 a year with full coverage. Comprehensive insurance costs around $192, collision costs $262, and liability costs $474. A policy with only liability insurance costs as little as $522 a year, with a high-risk policy costing $2,334 or more. 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

These estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all U.S. states and for all XC90 models.

Insurance Price Range by Risk and Coverage

For a driver in their 40's, insurance rates for a Volvo XC90 go from as low as $522 for your basic liability-only policy to the much higher price of $2,334 for a driver who requires high-risk insurance.

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

Insurance Price Range by Location

Your location can make a big difference on insurance rates. Areas with sparse population are statistically proven to have a lower frequency of collision claims than larger metro areas.

The example below illustrates how location helps determine auto insurance rates.

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

These rate differences demonstrate why everyone should compare rates for a specific zip code and risk profile, instead of making a decision based 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.

More Rate Information

The chart below details 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 annually
  • The average rate for a 40-year-old good driver using $500 deductibles is $1,086
  • Choosing pricier low deductibles for comprehensive and collision insurance will cost an extra $196 annually
  • 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 16-year-old driver for 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 prices range from $653 to $4,298

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

A more mature driver with no driving violations and high deductibles may pay as low 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 will be charged as much as $4,200 a year. View Rates by Age

Where you choose to live makes a big difference in Volvo XC90 insurance prices. A 40-year-old driver could pay as low as $780 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,470 on average in Florida, Michigan, and New York.

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 annually, whereas buying more liability protection will increase prices. Moving from a 50/100 limit to a 250/500 limit will cost up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you may be forking out at least $1,300 to $1,800 extra annually, depending on your age. Volvo XC90 insurance for high-risk drivers can cost from 42% to 133% more than average. View High Risk Driver Rates

With such a large range in prices, the best way to find out your exact price is to regularly compare prices from multiple companies. Every company uses a different rate calculation, so rate quotes 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 Cheap Volvo XC90 Insurance

Finding better rates on insurance for a Volvo XC90 not only requires avoiding accidents and claims, but also having above-average credit, being claim-free, and qualifying for all possible discounts. Invest time comparing rates at every other renewal by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The points below are a brief summary of the concepts that were covered in the charts and tables above.

  • Drivers considered higher risk that tend to have accidents or serious violations pay an average of $1,250 more every year to insure a Volvo XC90
  • Drivers under the age of 20 are the costliest to insure, possibly costing $358 per month if full coverage is included
  • You may be able to save up to $120 per year simply by quoting online well ahead of the renewal date
  • Increasing policy deductibles can save around $300 each year
  • You may be able to save up to $120 per year simply by quoting online well ahead of the renewal date

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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