Volvo XC90 Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
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.
Estimated insurance prices for a Volvo XC90 are $1,128 every 12 months including full coverage. Comprehensive costs approximately $206 each year, collision insurance costs $286, and liability is $478. A policy with only liability insurance costs around $526 a year, and a high-risk policy costs around $2,426. Teen drivers pay the most at up to $4,434 a year.
Average premium for full coverage: $1,128
Premium estimates by type of coverage:
Prices include $500 comprehensive and collision deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 U.S. states and XC90 models.
Insurance Price Range by Risk and Coverage
Using a 40-year-old driver as an example, insurance rates for a Volvo XC90 range from the cheapest price of $526 for the bare minimum liability coverage to a high rate of $2,426 for high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city can have significant affects on car insurance prices. Rural locations are statistically proven to have more infrequent comprehensive and collision claims than larger metro areas. The graphic below illustrates how rural and urban location affects auto insurance prices.
These rate differences highlight why all drivers should compare rates quotes using their specific location and their own driving history, instead of 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.
Additional Rate Information
The chart below breaks down average Volvo XC90 insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $676
- Raising to $1,000 deductibles will save $112 every year
- The average price for a 40-year-old good driver who chooses $500 deductibles is $1,128
- Choosing low deductibles increases the price to $1,342
- At-risk drivers with multiple violations and an at-fault accident could pay around $2,426
- An auto insurance policy to insure a teen driver can cost $4,434
Car insurance prices for a Volvo XC90 also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the model of your XC90.
Choosing high deductibles can reduce prices by up to $330 every year, whereas increasing liability limits will push prices upward. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $430 extra every 12 months. View Rates by Deductible or Liability Limit
More mature drivers with no driving violations and higher deductibles may pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will be charged in the ballpark of $4,400 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you are likely paying anywhere from $1,300 to $1,900 extra annually, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 43% to 129% more than average. View High Risk Driver Rates
Where you choose to live also has a big influence on Volvo XC90 insurance prices. A middle-age driver might find prices as low as $870 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,610 on average in Louisiana, New York, and Michigan.
| 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% |
Insurance Rates by Trim Level and Model Year
| 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 2012 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 |
| 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 the Right Volvo XC90 Insurance
Finding better rates on car insurance consists of avoiding accidents and violations, maintaining a good credit score, refrain from filing small claims, and attention to physical damage deductibles. Set aside time to shop around every couple of years by getting rate quotes from direct car insurance companies, and also from your local car insurance providers.
The list below is a quick rundown of the material that was raised in the charts and tables above.
- Policyholders who purchase higher liability limits will pay about $530 per year to raise from 30/60 bodily injury limits to a 250/500 level
- Teenagers pay the highest auto insurance prices, with the cost nearing $370 per month if the policy includes full coverage
- Higher risk drivers with reckless driving or DUI convictions could be charged and average of $1,300 more per year for car insurance
- Increasing policy deductibles could save as much as $325 each year
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,342 |
| $250 | $1,242 |
| $500 | $1,128 |
| $1,000 | $1,016 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
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
