Volvo XC90 Insurance Rates

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UPDATED: May 8, 2024

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U.S. average auto insurance rates for a Volvo XC90 are $1,086 annually including full coverage. Comprehensive insurance costs an estimated $192, collision costs $262, and liability coverage is $474. Liability-only coverage costs around $522 a year, with high-risk coverage costing $2,334 or more. Teen drivers pay the highest rates at $4,298 a year or more.

Average premium for full coverage: $1,086

Price estimates broken down by individual coverage:

Comprehensive $192
Collision $262
Liability $474

Prices include $500 comprehensive and collision deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 U.S. states and for all XC90 models.

Price Range from Low to High

For the average 40-year-old driver, Volvo XC90 insurance prices go from as cheap as $522 for a discount liability-only rate to the much higher price of $2,334 for high-risk insurance.

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

Geographic Price Range

Choosing to live in a large city has a large influence on the price of auto insurance. More rural locations have fewer comprehensive and collision claims than larger metro areas.

The example below illustrates the difference location can make on insurance prices.

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

The ranges above highlight why everyone should compare rates quotes for a targeted area and their own personal driving habits, rather than using price 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.

Rates by State, City, and Model

The chart below breaks down estimated Volvo XC90 insurance rates for other coverage scenarios.

  • The lowest rate with discounts is $653
  • Raising to $1,000 deductibles will save approximately $104 every year
  • The estimated rate for the average middle-age driver who has $500 deductibles is $1,086
  • Choosing pricier low deductibles costs an additional $196 each year
  • Unlucky drivers with multiple violations and an at-fault accident could pay up to $2,334 or more
  • The price with full coverage for a teenage driver for full coverage can cost as much as $4,298

View Chart as Image

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

Auto insurance prices for a Volvo XC90 are also quite variable based on the trim level and model year, your driving characteristics, and liability limits and deductibles.

A more mature driver with a good driving record and high physical damage deductibles may only pay around $1,000 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will have to pay at least $4,200 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying $1,300 to $1,800 in extra premium each year, depending on your age. Volvo XC90 insurance for high-risk drivers is expensive and can cost around 42% to 133% more than average. View High Risk Driver Rates

Choosing high deductibles can reduce prices by up to $300 a year, whereas buying more liability protection will increase premiums. Changing 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 also has a big influence on Volvo XC90 insurance rates. A middle-age driver might find prices as low as $830 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,550 on average in Louisiana, New York, and Michigan.

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

Since prices can be so different, the best way to figure out which car insurance is cheapest is to regularly compare prices and see how they stack up. Every auto insurance company uses a different rate calculation, and quoted prices may be quite different between companies.

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 Buy the Right Volvo XC90 Insurance

Getting lower rates on auto insurance consists of avoiding accidents and violations, having above-average credit, being claim-free, and qualifying for all possible discounts. Make time to compare rates every couple of years by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The list below is a quick rundown of the material that was touched on in this article.

  • Consumers who want higher liability limits will pay about $520 per year to raise from a low limit to higher 250/500 limits
  • Teenagers are the costliest to insure, possibly costing $358 a month if full coverage is included
  • Drivers with reckless driving or DUI convictions could be forced to pay on average $1,250 more annually for car insurance
  • Increasing physical damage deductibles could save up to $300 each year

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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