Volvo XC90 Insurance Rates
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Michelle Robbins
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UPDATED: May 8, 2024
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Average insurance rates for a Volvo XC90 are $1,050 a year for full coverage. Comprehensive insurance costs approximately $180, collision insurance costs $238, and liability costs around $474. Buying just liability costs as low as $522 a year, and insurance for high-risk drivers costs $2,256 or more. Teenage drivers receive the highest rates at up to $4,188 a year.
Average premium for full coverage: $1,050
Rate estimates by individual coverage type:
Price estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all states and for different XC90 trim levels.
Price Range by Coverage and Risk
For a driver in their 40's, prices range range from the low end price of $522 for basic liability insurance to a much higher rate of $2,256 for a driver required to buy high-risk insurance.
Price Range by Location
Where you live can have significant affects on car insurance rates. Rural locations tend to have lower incidents of accident claims than densely populated cities. The price range example below illustrates how location helps determine auto insurance prices.
These examples show why anyone shopping for car insurance should compare prices using their specific location, instead of using average rates.
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.
Rate Comparisons
The chart below shows average Volvo XC90 insurance rates for additional coverage and risk scenarios.
- The best discount rate is $635
- Using higher $1,000 deductibles will save $96 a year
- The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,050
- Using more expensive low deductibles for physical damage coverage will cost an additional $180 every year
- Drivers who are prone to accidents and violations could pay around $2,256
- The cost that insures a teen driver with full coverage can cost $4,188 or more
Auto insurance rates for a Volvo XC90 can also vary considerably based on the model year and trim level, how you drive, and physical damage deductibles and liability limits.
If you like to drive fast or you caused an accident, you could be paying anywhere from $1,200 to $1,800 in extra premium per year, depending on your age. High-risk driver insurance can be as much as 43% to 127% more than a normal policy. View High Risk Driver Rates
An older driver with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,000 a year for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will have to pay in the ballpark of $4,100 a year. View Rates by Age
Where you live has a huge impact on Volvo XC90 insurance prices. A driver around age 40 might see rates as low as $690 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,500 on average in New York, Louisiana, and Michigan.
| 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% |
Using high physical damage deductibles could cut rates by as much as $280 every year, while increasing your policy's liability limits will push rates upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $426 extra every year. View Rates by Deductible or Liability Limit
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 Find Cheaper Volvo XC90 Insurance
Saving money on car insurance requires having a decent driving record, maintaining a good credit score, eliminating unneeded coverage, and possibly higher deductibles. Compare prices at every policy renewal by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
The following items are a condensed summary of the data covered in the charts and tables above.
- Policyholders who purchase additional liability coverage will pay an extra $520 each year to increase from a minimum limit to the 250/500 level
- Drivers can save around $120 per year just by shopping early and online
- Increasing deductibles can save approximately $275 each year
- 16 to 18-year-old drivers have the highest car insurance rates, costing as high as $349 per month if the policy includes full coverage
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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