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 $1,086 annually with full coverage. Comprehensive insurance costs on average $192, collision insurance costs $262, and liability coverage costs around $474. Liability-only insurance costs as low as $522 a year, and high-risk driver insurance costs $2,334 or more. 16-year-old drivers pay the highest rates at up to $4,298 a year.

Average premium for full coverage: $1,086

Price estimates by individual coverage:

Comprehensive $192
Collision $262
Liability $474

Rate estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all U.S. states and for all XC90 models.

Price Range from Low to High

For a 40-year-old driver, Volvo XC90 insurance prices range from as cheap as $522 for just liability insurance to the much higher price of $2,334 for a driver who has had serious violations or accidents.

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

Geographic Price Range

Where you live has a large influence on auto insurance rates. Rural areas have fewer collision claims than congested cities. The example below illustrates how your location can change car insurance rates.

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

The ranges above demonstrate why everyone should compare prices based on a specific location and their own personal driving habits, rather than 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.

More Rate Details

The chart below details average Volvo XC90 insurance rates for different risk profiles and scenarios.

  • The best full coverage rate is $653
  • Using higher $1,000 deductibles will save around $104 annually
  • The estimated rate for the average middle-age driver with $500 deductibles is $1,086
  • Buying pricier low deductibles for physical damage coverage costs an additional $196 each year
  • Higher-risk drivers with multiple tickets or accidents could pay upwards of $2,334
  • The price with full coverage for a teenage driver for full coverage may cost $4,298 or more

View Chart as Image

Volvo XC90 insurance cost comparison chart
Column chart showing Volvo XC90 insurance prices range from $653 to $4,298 for full coverage

Car insurance prices for a Volvo XC90 are also quite variable based on the trim level and model year, your driving record, and policy deductibles and limits.

A more mature driver with no driving violations and high physical damage deductibles may only pay around $1,000 a year for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will be charged upwards of $4,200 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out at a minimum $1,300 to $1,800 extra each year, depending on your age. Volvo XC90 insurance for high-risk drivers can be around 42% to 133% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could cut prices by as much as $300 a year, whereas buying more liability protection will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $426 extra every 12 months. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Volvo XC90 insurance rates. A driver around age 40 might see prices as low as $780 a year in states like New Hampshire, Ohio, and Utah, or at least $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

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 Buy the Best Volvo XC90 Insurance

Getting lower rates on auto insurance requires avoiding accidents and claims, having a good credit score, avoid buying unnecessary coverage, and possibly raising deductibles. Invest the time to shop around every other policy renewal by requesting quotes from direct companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The points below are a brief recap of the ideas that were illustrated above.

  • Drivers under the age of 20 are expensive to insure, costing up to $358 a month if comprehensive and collision insurance is included
  • Drivers who tend to receive serious violations pay an average of $1,250 more each year to insure a Volvo XC90
  • Increasing physical damage deductibles could save up to $300 each year
  • You may be able to save as much as $120 per year just 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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