Volvo XC90 Insurance Rates

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UPDATED: May 8, 2024

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Average insurance rates for a Volvo XC90 are $1,086 a year with full coverage. Comprehensive insurance costs around $192 a year, collision insurance costs $262, and liability is estimated at $474. Liability-only coverage costs approximately $522 a year, and high-risk coverage costs $2,334 or more. Teenage drivers receive the highest rates at up to $4,298 a year.

Average premium for full coverage: $1,086

Rate estimates for individual coverage type:

Comprehensive $192
Collision $262
Liability $474

Price estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all U.S. states and XC90 trim levels.

Price Range by Coverage and Risk

Using a 40-year-old driver as an example, prices range range from the low end price of $522 for just liability insurance to a high of $2,334 for a high-risk driver policy.

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

Price Range by Location

Living in a larger city can make a big difference on insurance rates. Areas with sparse population tend to have lower incidents of collision claims than densely populated cities. The diagram below illustrates how rural and urban location affects auto insurance rates.

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

These examples demonstrate why it is important to get quotes for a specific zip code, instead of making a decision based on average rates.

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.

More Rate Details

The chart below details average Volvo XC90 insurance rates for additional coverage choices and driver risks.

  • The best discount rate is $653
  • Choosing higher $1,000 deductibles can save about $982 annually
  • The estimated price for a 40-year-old driver using $500 deductibles is $1,086
  • Using low $100 deductibles for comp and collision coverage will cost an additional $196 annually
  • Higher-risk drivers who are prone to accidents and violations could pay at least $2,334
  • The cost that insures a 16-year-old driver can be $4,298 each year

View Chart as Image

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

Car insurance rates for a Volvo XC90 can also vary considerably based on the trim level of your XC90, your age and driving habits, and deductibles and policy limits.

If you like to drive fast or you caused an accident, you may be forking out at least $1,300 to $1,800 extra per year, depending on your age. A high-risk auto insurance policy ranges from 42% to 133% more than a normal policy. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,000 annually on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will be charged as much as $4,200 a year. View Rates by Age

Where you 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 New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,470 on average in Florida, Michigan, and New York.

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

Using high physical damage deductibles can save as much as $300 annually, while buying higher liability limits will increase rates. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $426 extra every 12 months. View Rates by Deductible or Liability Limit

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 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.

Volvo XC90 Insurance Rates by Model Year
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
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 Find Cheaper Volvo XC90 Insurance

Saving money on insurance for a Volvo XC90 takes avoiding accidents and violations, having a positive credit history, eliminating unnecessary coverage, and consideration of higher deductibles. Compare prices every time your policy renews by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The list below is a condensed summary of the information raised in the charts and tables above.

  • You may be able to save up to $120 per year just by quoting early and online
  • Teenagers are the costliest to insure, with premiums as much as $358 per month if full coverage is purchased
  • Increasing deductibles can save approximately $300 each year
  • Drivers considered higher risk with multiple at-fault accidents may pay on average $1,250 more every year for car insurance
  • Insureds who may need higher liability limits will pay an extra $520 every year to raise limits from a minimum limit to the 250/500 level

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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