Volvo XC90 Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: May 8, 2024

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Estimated insurance rates for a Volvo XC90 are $1,128 a year with full coverage. Comprehensive insurance costs on average $206 each year, collision insurance costs $286, and liability insurance is estimated at $478. Liability-only insurance costs approximately $526 a year, and high-risk driver insurance costs $2,426 or more. Teens pay the most at up to $4,434 a year.

Average premium for full coverage: $1,128

Premium estimates by type of coverage:

Comprehensive $206
Collision $286
Liability $478

Prices are based on $500 deductible amounts, 30/60 liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all U.S. states and XC90 models.

Insurance Price Range by Risk and Coverage

For a driver in their 40's, insurance rates for a Volvo XC90 range from as low as $526 for a discount liability-only rate to a high rate of $2,426 for a driver required to buy high-risk insurance.

Liability Only $526
Full Coverage $1,128
High Risk $2,426

Insurance Price Range by Location

Living in a larger city has a significant impact on auto insurance rates. Rural areas are statistically proven to have a lower frequency of collision claims than cities with more traffic congestion. The graphic below illustrates how location helps determine car insurance rates.

Rural Areas $846
Small Cities $1,184
Large Cities $1,523

These rate differences demonstrate why all drivers should get quotes based on a specific location and risk profile, rather than relying on averaged prices.

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.

Rates by State, City, and Model

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

  • The cheapest rate after discounts is $676
  • Choosing higher $1,000 deductibles can save around $112 annually
  • The average rate for a 40-year-old good driver with $500 deductibles is $1,128
  • Selecting low deductibles for comp and collision coverage will cost an extra $214 a year
  • High-risk insureds with serious driving violations could pay upwards of $2,426
  • An auto insurance policy for full coverage for a teen driver may cost $4,434 each year

View Chart as Image

Volvo XC90 insurance cost comparison chart
Column chart showing Volvo XC90 insurance prices range from $676 to $4,434 for full coverage

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

More mature drivers with no violations or accidents and high deductibles could pay as little as $1,100 annually on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers should be prepared to pay upwards of $4,400 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Volvo XC90 insurance rates. A good driver about age 40 could pay as low as $810 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,520 on average in Florida, Michigan, and New York.

Volvo XC90 Insurance Rates by State
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%

View Chart as Image

Volvo XC90 insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles can save as much as $330 each year, whereas increasing liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will cost up to $430 more each year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you may be forking out at a minimum $1,300 to $1,900 additional annually, depending on your age. Insurance for high-risk drivers ranges anywhere from 43% to 129% more than the average policy. View High Risk Driver Rates

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 $1,106 $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.

Volvo XC90 Insurance Rates by Model Year
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 Find Affordable Volvo XC90 Insurance

Finding better rates on Volvo XC90 insurance takes having a good driving record, having a good credit history, being claim-free, and dropping full coverage on older vehicles. Invest time comparing rates at every policy renewal by quoting rates from direct companies like Progressive, GEICO, and Esurance, and also from local insurance agents.

The next list is a brief review of the data covered in the charts and tables above.

  • Drivers who require increased levels of liability coverage will pay approximately $530 every year to raise limits from 30/60 bodily injury limits to 250/500 limits
  • You may be able to save as much as $130 per year just by quoting online in advance
  • Increasing policy deductibles can save around $325 each year
  • Drivers age 20 and younger pay higher prices, possibly costing $370 per month including comprehensive and collision insurance

Rates by Driver Age

Volvo XC90 Insurance 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

Volvo XC90 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,342
$250 $1,242
$500 $1,128
$1,000 $1,016

Full coverage, driver age 40

Rates by Liability Limit

Volvo XC90 Insurance Rates with Different Liability Limits
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

Volvo XC90 Insurance 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.

SR-22 Surcharge $152

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
Rate after discounts $676

Discounts are estimated and may not be available from every company or in every state.

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