Volvo XC90 Insurance Rates

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UPDATED: May 8, 2024

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U.S. average insurance rates for a Volvo XC90 are $1,086 a year including full coverage. Comprehensive costs on average $192 a year, collision costs $262, and liability costs around $474. A policy with just liability insurance costs as low as $522 a year, with coverage for high-risk drivers costing around $2,334. 16-year-old drivers pay the highest rates at $4,298 a year or more.

Average premium for full coverage: $1,086

Price estimates by individual coverage:

Comprehensive $192
Collision $262
Liability $474

Estimates include $500 deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 U.S. states and XC90 trim levels.

Price Range from Low to High

Using a 40-year-old driver as an example, Volvo XC90 insurance prices go from as low as $522 for the bare minimum liability coverage to a high of $2,334 for a high-risk driver policy.

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

Geographic Price Range

Where you live can make a big difference on car insurance rates. Rural areas have a lower frequency of comprehensive and collision claims than congested cities.

The diagram below illustrates how rural and urban location affects car insurance rates.

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

The ranges above highlight why it is important to compare prices based on a specific location and risk profile, instead of making a decision based on 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 Information

The chart below breaks down estimated 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 $982 every year
  • The average rate for the average middle-age driver with $500 deductibles is $1,086
  • Buying low $100 deductibles for physical damage coverage will increase the cost to $1,282
  • High-risk insureds with multiple tickets or accidents could pay upwards of $2,334 or more
  • The price for full coverage for a 16-year-old driver may cost $4,298 or more

View Chart as Image

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

Insurance prices for a Volvo XC90 are also quite variable based on your driving record, the model of your XC90, and policy deductibles and limits.

Older drivers with a clean driving record and high deductibles may pay as low as $1,000 a year for full coverage. Prices are highest for teenage drivers, where even good drivers can expect to pay upwards of $4,200 a year. View Rates by Age

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 $830 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,550 on average in Michigan, New York, and Louisiana.

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

Opting for high physical damage deductibles could cut prices by as much as $300 annually, while buying higher liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $426 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are likely paying at a minimum $1,300 to $1,800 extra each year, depending on your age. A high-risk auto insurance policy can be from 42% to 133% more than the average rate. View High Risk Driver Rates

Since prices can be so different, the best way to figure out exactly what you will pay is to get quotes from multiple companies. Each insurance company utilizes a different rate formula, so the prices may be quite different from one company to the next.

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 Find Low Cost Volvo XC90 Insurance

Getting lower rates on insurance for a Volvo XC90 requires not taking risks behind the wheel, maintaining good credit, being claim-free, and bundling your home and auto policies. Set aside time to shop around every time your policy renews by getting price quotes from direct car insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.

The following is a review of the information raised in the charts and tables above.

  • You may be able to save as much as $120 per year simply by quoting early and online
  • Teens pay the highest prices, possibly costing $358 a month for full coverage
  • Increasing physical damage deductibles can save around $300 each year
  • Drivers considered higher risk who have several accidents or serious violations may pay on average $1,250 more each year for XC90 insurance
  • Insureds who require higher liability limits will pay around $520 per year to increase from a low limit to 250/500 limits

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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