Volvo XC90 Insurance Rates
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UPDATED: May 8, 2024
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U.S. average auto insurance rates for a Volvo XC90 are $1,128 annually including full coverage. Comprehensive insurance costs approximately $206 each year, collision insurance costs $286, and liability costs around $478. Liability-only insurance costs as low as $526 a year, and high-risk driver insurance costs $2,426 or more. Teen drivers pay the highest rates at up to $4,434 a year.
Average premium for full coverage: $1,128
Price estimates by individual coverage:
Estimates include $500 deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and XC90 models.
Price Range from Low to High
Using a 40-year-old driver as an example, Volvo XC90 insurance prices range from as cheap as $526 for just the minimum liability insurance to a high rate of $2,426 for a high-risk insurance policy.
Geographic Price Range
Where you live can make a big difference on car insurance prices. Rural locations have fewer comprehensive and collision claims than larger metro areas. The graphic below illustrates how rural and urban location affects auto insurance prices.
The ranges above highlight why all drivers should compare prices using their specific location and their own personal driving habits, 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.
Additional Rate Analysis
The chart below breaks down average Volvo XC90 insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $676
- Using higher $1,000 deductibles will save $112 every year
- The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,128
- Choosing low deductibles for physical damage coverage costs an additional $214 annually
- High-risk insureds with multiple violations and an at-fault accident could pay around $2,426
- The price with full coverage for a 16-year-old driver can cost $4,434 or more
Car insurance prices for a Volvo XC90 are also quite variable based on the trim level and model year, your driving characteristics, and physical damage deductibles and liability limits.
More mature drivers with no driving violations and high physical damage deductibles may pay as low as $1,100 a year for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will be charged in the ballpark of $4,400 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you are likely paying anywhere from $1,300 to $1,900 extra each year, depending on your age. Insurance for high-risk drivers can be from 43% to 129% more than average. View High Risk Driver Rates
Choosing high deductibles could cut prices by as much as $330 annually, whereas increasing liability limits will push prices upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $430 extra every 12 months. View Rates by Deductible or Liability Limit
The state you live in has a huge impact on Volvo XC90 insurance prices. A driver around age 40 might see prices as low as $870 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,610 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,020 | -$108 | -9.6% |
| Alaska | $866 | -$262 | -23.2% |
| Arizona | $936 | -$192 | -17.0% |
| Arkansas | $1,128 | -$0 | 0.0% |
| California | $1,284 | $156 | 13.8% |
| Colorado | $1,078 | -$50 | -4.4% |
| Connecticut | $1,158 | $30 | 2.7% |
| Delaware | $1,276 | $148 | 13.1% |
| Florida | $1,410 | $282 | 25.0% |
| Georgia | $1,040 | -$88 | -7.8% |
| Hawaii | $810 | -$318 | -28.2% |
| Idaho | $764 | -$364 | -32.3% |
| Illinois | $840 | -$288 | -25.5% |
| Indiana | $848 | -$280 | -24.8% |
| Iowa | $760 | -$368 | -32.6% |
| Kansas | $1,072 | -$56 | -5.0% |
| Kentucky | $1,538 | $410 | 36.3% |
| Louisiana | $1,668 | $540 | 47.9% |
| Maine | $694 | -$434 | -38.5% |
| Maryland | $930 | -$198 | -17.6% |
| Massachusetts | $902 | -$226 | -20.0% |
| Michigan | $1,958 | $830 | 73.6% |
| Minnesota | $944 | -$184 | -16.3% |
| Mississippi | $1,350 | $222 | 19.7% |
| Missouri | $1,000 | -$128 | -11.3% |
| Montana | $1,212 | $84 | 7.4% |
| Nebraska | $890 | -$238 | -21.1% |
| Nevada | $1,350 | $222 | 19.7% |
| New Hampshire | $812 | -$316 | -28.0% |
| New Jersey | $1,262 | $134 | 11.9% |
| New Mexico | $998 | -$130 | -11.5% |
| New York | $1,186 | $58 | 5.1% |
| North Carolina | $648 | -$480 | -42.6% |
| North Dakota | $922 | -$206 | -18.3% |
| Ohio | $780 | -$348 | -30.9% |
| Oklahoma | $1,158 | $30 | 2.7% |
| Oregon | $1,032 | -$96 | -8.5% |
| Pennsylvania | $1,076 | -$52 | -4.6% |
| Rhode Island | $1,504 | $376 | 33.3% |
| South Carolina | $1,020 | -$108 | -9.6% |
| South Dakota | $952 | -$176 | -15.6% |
| Tennessee | $988 | -$140 | -12.4% |
| Texas | $1,360 | $232 | 20.6% |
| Utah | $836 | -$292 | -25.9% |
| Vermont | $772 | -$356 | -31.6% |
| Virginia | $676 | -$452 | -40.1% |
| Washington | $870 | -$258 | -22.9% |
| West Virginia | $1,032 | -$96 | -8.5% |
| Wisconsin | $780 | -$348 | -30.9% |
| Wyoming | $1,004 | -$124 | -11.0% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Volvo XC90 3.2 2WD | $1,106 | $92 |
| Volvo XC90 3.2 R-Design 2WD | $1,106 | $92 |
| Volvo XC90 3.2 AWD | $1,148 | $96 |
| Volvo XC90 V8 AWD | $1,148 | $96 |
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 | $362 | $626 | $372 | $1,518 |
| 2023 Volvo XC90 | $346 | $600 | $390 | $1,494 |
| 2022 Volvo XC90 | $332 | $596 | $398 | $1,484 |
| 2021 Volvo XC90 | $320 | $582 | $416 | $1,476 |
| 2020 Volvo XC90 | $310 | $558 | $430 | $1,456 |
| 2019 Volvo XC90 | $292 | $538 | $442 | $1,430 |
| 2018 Volvo XC90 | $282 | $500 | $452 | $1,392 |
| 2017 Volvo XC90 | $270 | $470 | $456 | $1,354 |
| 2016 Volvo XC90 | $258 | $422 | $460 | $1,298 |
| 2014 Volvo XC90 | $234 | $364 | $464 | $1,220 |
| 2013 Volvo XC90 | $228 | $340 | $474 | $1,200 |
| 2012 Volvo XC90 | $210 | $316 | $474 | $1,158 |
| 2011 Volvo XC90 | $206 | $286 | $478 | $1,128 |
| 2010 Volvo XC90 | $192 | $262 | $474 | $1,086 |
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 Low Cost Volvo XC90 Insurance
Getting lower rates on insurance for a Volvo XC90 requires not taking risks behind the wheel, having a good credit score, being claim-free, and attention to physical damage deductibles. Set aside time to shop around at least every other year by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.
The following is a review of the car insurance concepts raised in the charts and tables above.
- Drivers considered higher risk who have several accidents or serious violations may have to pay on average $1,300 more per year for XC90 insurance
- You may be able to save around $130 per year just by quoting online in advance
- Increasing physical damage deductibles could save up to $325 each year
- Insureds who purchase higher liability limits will pay about $530 per year to increase from a low limit to higher 250/500 limits
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,434 |
| 20 | $2,574 |
| 30 | $1,154 |
| 40 | $1,128 |
| 50 | $1,034 |
| 60 | $1,010 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,342 |
| $250 | $1,242 |
| $500 | $1,128 |
| $1,000 | $1,016 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,128 |
| 50/100 | $1,244 |
| 100/300 | $1,363 |
| 250/500 | $1,674 |
| 100 CSL | $1,291 |
| 300 CSL | $1,554 |
| 500 CSL | $1,746 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,270 |
| 20 | $4,104 |
| 30 | $2,456 |
| 40 | $2,426 |
| 50 | $2,320 |
| 60 | $2,296 |
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 | $58 |
| Multi-vehicle | $60 |
| Homeowner | $19 |
| 5-yr Accident Free | $72 |
| 5-yr Claim Free | $71 |
| Paid in Full/EFT | $43 |
| Advance Quote | $51 |
| Online Quote | $78 |
| Total Discounts | $452 |
Discounts are estimated and may not be available from every company or in every state.
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