Volvo XC90 Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
Michelle Robbins
Licensed Insurance Agent
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...
Licensed Insurance Agent
UPDATED: May 8, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
U.S. average auto insurance rates for a Volvo XC90 are $1,050 annually with full coverage. Comprehensive costs on average $180 each year, collision costs $238, and liability is estimated at $474. A policy with just liability insurance costs approximately $522 a year, with coverage for high-risk drivers costing around $2,256. 16-year-old drivers pay the highest rates at $4,188 a year or more.
Average premium for full coverage: $1,050
Price estimates by individual coverage:
Full coverage includes $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all U.S. states and XC90 models.
Price Range from Low to High
Using a 40-year-old driver as an example, Volvo XC90 insurance prices go from as cheap as $522 for just liability coverage to a high rate of $2,256 for a high-risk driver policy.
Geographic Price Range
Living in a larger city can have significant affects on auto insurance rates. Rural areas have fewer collision claims than congested cities.
The graphic below illustrates how rural and urban location affects car insurance rates.
The ranges above demonstrate why all drivers should get quotes based on a specific location and their own personal driving habits, instead of using 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.
Detailed Rate Analysis
The chart below details estimated Volvo XC90 insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $635
- Choosing higher $1,000 deductibles can save around $96 annually
- The estimated rate for the average middle-age driver with $500 deductibles is $1,050
- Buying low deductibles for comp and collision coverage will cost $1,230
- Unlucky drivers with multiple tickets or accidents could pay upwards of $2,256 or more
- The price with full coverage for a teen driver may cost $4,188 each year
Insurance prices for a Volvo XC90 are also quite variable based on the trim level and model year, your driving record, and policy deductibles and limits.
More mature drivers with a clean driving record and high physical damage deductibles may pay as little as $1,000 annually on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they can expect to pay upwards of $4,100 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you may be forking out at a minimum $1,200 to $1,800 extra each year, depending on your age. Insurance for high-risk drivers ranges as much as 43% to 127% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can save as much as $280 every year, whereas increasing liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $426 more per year. View Rates by Deductible or Liability Limit
The state you live in plays a big part in determining prices for Volvo XC90 insurance prices. A good driver about age 40 could pay as low as $760 a year in states like New Hampshire, Ohio, and Utah, or at least $1,420 on average in Florida, Michigan, and New York.
| 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% |
Since prices can be so different, the best way to find out exactly what you will pay is to do a rate comparison and see which company has the best price. Each auto insurer utilizes a different rate formula, so the prices may be quite different between companies.
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 Buy More Affordable Volvo XC90 Insurance
Getting lower rates on car insurance takes avoiding accidents and violations, having a good credit history, avoid buying unnecessary coverage, and bundling your home and auto policies. Set aside time to shop around every time your policy renews by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.
The list below is a summary 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 online in advance
- Teenagers pay the highest prices, costing up to $349 a month including comprehensive and collision insurance
- Increasing physical damage deductibles could save up to $275 each year
- Higher risk drivers who have multiple accidents or major violations pay an average of $1,210 more each year for car insurance
- Policyholders who require higher liability limits will pay around $520 every year to raise limits from a low limit to higher 250/500 limits
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.
Compare Rates and Save
Find companies with the cheapest rates in your area
Secured with SHA-256 Encryption
