Volvo XC90 Insurance Rates
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Michelle Robbins
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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...
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UPDATED: May 8, 2024
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Estimated insurance prices for a Volvo XC90 are $1,086 every 12 months with full coverage. Comprehensive costs approximately $192 each year, collision costs $262, and liability is estimated at $474. A liability-only policy costs approximately $522 a year, with high-risk insurance costing around $2,334. Teens pay the most at $4,298 a year or more.
Average premium for full coverage: $1,086
Premium estimates by type of coverage:
Estimates include $500 policy deductibles, 30/60 liability coverage, and includes medical/PIP and uninsured motorist 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 go from the cheapest price of $522 for liability-only coverage to a high rate of $2,334 for a policy for a high-risk driver.
Insurance Price Range by Location
Living in a larger city can make a big difference on the price of insurance. Rural locations are statistically proven to have more infrequent collision claims than cities with more traffic congestion.
The graphic below illustrates how location helps determine auto insurance prices.
These rate differences demonstrate why all drivers should get quotes using their specific location and their own driving history, instead of making a decision based 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.
Additional Charts and Tables
The chart below details estimated Volvo XC90 insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $653
- Choosing higher $1,000 deductibles can save $104 annually
- The average price for a 40-year-old good driver who chooses $500 deductibles is $1,086
- Selecting low deductibles for comp and collision coverage increases the price to $1,282
- Higher-risk drivers with serious driving violations could pay around $2,334 or more
- An auto insurance policy to insure a 16-year-old driver can cost $4,298 each year
Auto insurance prices for a Volvo XC90 also have a wide range based on physical damage deductibles and liability limits, your driving record, and the model of your XC90.
Choosing higher comprehensive and collision insurance deductibles can save as much as $300 annually, whereas increasing liability limits will push prices upward. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $426 extra every year. View Rates by Deductible or Liability Limit
More mature drivers with a good driving record and higher deductibles may pay as low as $1,000 annually on average, or $83 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will have to pay in the ballpark of $4,200 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you may be forking out anywhere from $1,300 to $1,800 in extra premium annually, depending on your age. Insurance for high-risk drivers ranges from 42% to 133% more than the average policy. View High Risk Driver Rates
Where you choose to live plays a big part in determining prices for Volvo XC90 insurance prices. A good driver about age 40 could pay as low as $780 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,470 on average in New York, Michigan, and Florida.
| 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% |
With such a large range in prices, the best way to find out who has the cheapest auto insurance prices is to do a rate comparison from multiple companies. Each auto insurer calculates prices differently, and quoted prices will be substantially different.
Insurance Rates by Trim Level and Model Year
| 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.
| 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 Shop for Low Cost Volvo XC90 Insurance
Finding better rates on insurance for a Volvo XC90 takes being safe and accident-free, having a good credit score, being claim-free, and not having any coverage lapses. Invest time comparing rates every year by requesting quotes from direct companies, and also from insurance agencies where you live.
Below you'll find a review of the coverage data covered in the charts and tables above.
- You may be able to save around $120 per year simply by quoting online in advance
- Increasing policy deductibles could save as much as $300 each year
- Youthful drivers have the highest car insurance prices, possibly costing $358 per month if comprehensive and collision insurance is included
- Drivers considered higher risk who have several accidents or serious violations could be forced to pay on average $1,250 more per year than a low-risk driver
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,282 |
| $250 | $1,192 |
| $500 | $1,086 |
| $1,000 | $982 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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