Volvo XC90 Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: May 8, 2024
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U.S. average auto insurance rates for a Volvo XC90 are $1,050 annually for full coverage insurance. Comprehensive costs on average $180 each year, collision costs $238, and liability coverage is estimated at $474. Liability-only coverage costs approximately $522 a year, with high-risk coverage costing around $2,256. 16-year-old drivers pay the highest rates at $4,188 a year or more.
Average premium for full coverage: $1,050
Price estimates by individual coverage:
Price estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 states and XC90 models.
Price Range from Low to High
For the normal driver, Volvo XC90 insurance prices go from as cheap as $522 for just the minimum liability insurance to a high rate of $2,256 for a driver who has had serious violations or accidents.
Geographic Price Range
Living in a larger city has a large influence on insurance rates. Rural areas have fewer physical damage claims than congested cities.
The graphic below illustrates how geographic area affects car insurance rates.
The ranges above illustrate why all drivers should get quotes 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.
Additional Rate Analysis
The chart below illustrates estimated Volvo XC90 insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $635
- Choosing higher $1,000 deductibles can save around $96 each year
- The estimated rate for the average middle-age driver with $500 deductibles is $1,050
- Buying low deductibles for comp and collision coverage will cost $1,230
- Drivers with multiple tickets or accidents could pay upwards of $2,256 or more
- The price with full coverage for a teenage driver may cost $4,188 each year
Auto insurance prices for a Volvo XC90 are also quite variable based on the trim level and model year, your risk profile, and policy deductibles and limits.
More mature drivers with a good driving record and high physical damage deductibles may only pay around $1,000 annually on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will have to pay upwards of $4,100 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you are probably paying at a minimum $1,200 to $1,800 in extra premium each year, depending on your age. Insurance for high-risk drivers ranges around 43% to 127% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can save as much as $280 a year, whereas increasing liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $426 extra every year. View Rates by Deductible or Liability Limit
The state you live in plays a big part in determining prices for Volvo XC90 insurance rates. A good driver about age 40 could pay as low as $690 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,420 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $948 | -$102 | -9.7% |
| Alaska | $804 | -$246 | -23.4% |
| Arizona | $872 | -$178 | -17.0% |
| Arkansas | $1,050 | -$0 | 0.0% |
| California | $1,196 | $146 | 13.9% |
| Colorado | $1,002 | -$48 | -4.6% |
| Connecticut | $1,078 | $28 | 2.7% |
| Delaware | $1,188 | $138 | 13.1% |
| Florida | $1,312 | $262 | 25.0% |
| Georgia | $968 | -$82 | -7.8% |
| Hawaii | $754 | -$296 | -28.2% |
| Idaho | $708 | -$342 | -32.6% |
| Illinois | $780 | -$270 | -25.7% |
| Indiana | $790 | -$260 | -24.8% |
| Iowa | $708 | -$342 | -32.6% |
| Kansas | $998 | -$52 | -5.0% |
| Kentucky | $1,432 | $382 | 36.4% |
| Louisiana | $1,552 | $502 | 47.8% |
| Maine | $646 | -$404 | -38.5% |
| Maryland | $864 | -$186 | -17.7% |
| Massachusetts | $840 | -$210 | -20.0% |
| Michigan | $1,822 | $772 | 73.5% |
| Minnesota | $876 | -$174 | -16.6% |
| Mississippi | $1,256 | $206 | 19.6% |
| Missouri | $930 | -$120 | -11.4% |
| Montana | $1,128 | $78 | 7.4% |
| Nebraska | $828 | -$222 | -21.1% |
| Nevada | $1,258 | $208 | 19.8% |
| New Hampshire | $756 | -$294 | -28.0% |
| New Jersey | $1,174 | $124 | 11.8% |
| New Mexico | $930 | -$120 | -11.4% |
| New York | $1,106 | $56 | 5.3% |
| North Carolina | $604 | -$446 | -42.5% |
| North Dakota | $860 | -$190 | -18.1% |
| Ohio | $724 | -$326 | -31.0% |
| Oklahoma | $1,078 | $28 | 2.7% |
| Oregon | $960 | -$90 | -8.6% |
| Pennsylvania | $1,002 | -$48 | -4.6% |
| Rhode Island | $1,398 | $348 | 33.1% |
| South Carolina | $950 | -$100 | -9.5% |
| South Dakota | $886 | -$164 | -15.6% |
| Tennessee | $920 | -$130 | -12.4% |
| Texas | $1,264 | $214 | 20.4% |
| Utah | $778 | -$272 | -25.9% |
| Vermont | $718 | -$332 | -31.6% |
| Virginia | $628 | -$422 | -40.2% |
| Washington | $812 | -$238 | -22.7% |
| West Virginia | $960 | -$90 | -8.6% |
| Wisconsin | $726 | -$324 | -30.9% |
| Wyoming | $936 | -$114 | -10.9% |
Since prices can be so different, the only way to figure out exactly what you will pay is to do a rate comparison and see how they stack up. Each auto insurer utilizes a different rate formula, and quoted prices may be quite different between companies.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Volvo XC90 3.2 2WD | $1,032 | $86 |
| Volvo XC90 3.2 R-Design 2WD | $1,032 | $86 |
| Volvo XC90 3.2 AWD | $1,068 | $89 |
| Volvo XC90 V8 AWD | $1,068 | $89 |
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 | $332 | $596 | $398 | $1,484 |
| 2023 Volvo XC90 | $320 | $582 | $416 | $1,476 |
| 2022 Volvo XC90 | $310 | $558 | $430 | $1,456 |
| 2021 Volvo XC90 | $292 | $538 | $442 | $1,430 |
| 2020 Volvo XC90 | $282 | $500 | $452 | $1,392 |
| 2019 Volvo XC90 | $270 | $470 | $456 | $1,354 |
| 2018 Volvo XC90 | $258 | $422 | $460 | $1,298 |
| 2017 Volvo XC90 | $242 | $388 | $460 | $1,248 |
| 2016 Volvo XC90 | $234 | $364 | $464 | $1,220 |
| 2014 Volvo XC90 | $210 | $316 | $474 | $1,158 |
| 2013 Volvo XC90 | $206 | $286 | $478 | $1,128 |
| 2012 Volvo XC90 | $192 | $262 | $474 | $1,086 |
| 2011 Volvo XC90 | $180 | $238 | $474 | $1,050 |
| 2010 Volvo XC90 | $174 | $214 | $468 | $1,014 |
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 Cheaper Volvo XC90 Insurance
Getting lower rates on auto insurance takes having a decent driving record, having above-average credit, not filing small claims, and taking advantage of discounts. Invest the time to compare rates every other policy renewal by requesting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
The following items are a condensed summary of the ideas that were presented in the illustrations above.
- 16 to 18-year-old drivers are charged the highest prices, as much as $349 a month if full coverage is included
- Drivers with multiple at-fault accidents may pay on average $1,210 more each year than a driver with a clean driving record
- Increasing physical damage deductibles could save up to $275 each year
- It is possible to save as much as $120 per year simply by quoting online in advance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,188 |
| 20 | $2,396 |
| 30 | $1,070 |
| 40 | $1,050 |
| 50 | $962 |
| 60 | $942 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,230 |
| $250 | $1,148 |
| $500 | $1,050 |
| $1,000 | $954 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,050 |
| 50/100 | $1,163 |
| 100/300 | $1,281 |
| 250/500 | $1,589 |
| 100 CSL | $1,210 |
| 300 CSL | $1,471 |
| 500 CSL | $1,661 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,904 |
| 20 | $3,818 |
| 30 | $2,278 |
| 40 | $2,256 |
| 50 | $2,158 |
| 60 | $2,136 |
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 | $54 |
| Multi-vehicle | $56 |
| Homeowner | $18 |
| 5-yr Accident Free | $65 |
| 5-yr Claim Free | $66 |
| Paid in Full/EFT | $39 |
| Advance Quote | $46 |
| Online Quote | $71 |
| Total Discounts | $415 |
Discounts are estimated and may not be available from every company or in every state.
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