Volvo XC90 Insurance Rates
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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...
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UPDATED: May 8, 2024
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Estimated insurance rates for a Volvo XC90 are $1,086 a year with full coverage. Comprehensive insurance costs approximately $192 a year, collision costs $262, and liability costs $474. A liability-only policy costs as little as $522 a year, with high-risk insurance costing $2,334 or more. 16-year-old drivers pay the most at $4,298 a year or more.
Average premium for full coverage: $1,086
Premium estimates by type of coverage:
Prices include $500 deductible amounts, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Rates include averaging for all U.S. states and XC90 trim levels.
Insurance Price Range by Risk and Coverage
For the normal driver, insurance rates for a Volvo XC90 go from the low end price of $522 for your basic liability-only policy to a high of $2,334 for a policy for a high-risk driver.
Insurance Price Range by Location
Your location can have significant affects on the price of insurance. Rural locations are statistically proven to have lower incidents of collision claims than congested cities.
The diagram below illustrates how geographic area affects auto insurance prices.
These rate differences demonstrate why it is important to compare rates using their specific location, 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.
More Rate Information
The chart below details estimated Volvo XC90 insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $653
- Drivers who choose higher $1,000 deductibles will pay $982 annually
- The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,086
- Buying low $100 deductibles for comprehensive and collision insurance will cost an additional $196 every year
- Higher-risk drivers with multiple tickets or accidents could pay around $2,334 or more
- An auto insurance policy that insures a teen driver can cost $4,298 a year
Auto insurance prices for a Volvo XC90 also have a wide range based on the trim level of your XC90, your age and driving habits, and physical damage deductibles and liability limits.
If you have a few violations or you caused an accident, you may be forking out anywhere from $1,300 to $1,800 in extra premium annually, depending on your age. A high-risk auto insurance policy can cost as much as 42% to 133% more than the average rate. View High Risk Driver Rates
Older drivers with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,000 per year on average, or $83 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will have to pay in the ballpark of $4,200 a year. View Rates by Age
Where you choose to live makes a big difference in Volvo XC90 insurance prices. A 40-year-old driver could pay as low as $780 a year in states like Utah, Ohio, and New Hampshire, or 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% |
Opting for high physical damage deductibles could save up to $300 every year, while buying higher liability limits will push prices upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $426 extra every year. View Rates by Deductible or Liability Limit
With such a large range in prices, the best way to find out who has the cheapest auto insurance prices is to get quotes and see which company has the best price. Every company utilizes a different rate formula, 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 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 | $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 the Right Volvo XC90 Insurance
Finding better rates on car insurance not only requires having a good driving record, but also maintaining a good credit score, being claim-free, and not having any coverage lapses. Comparison shop every year by obtaining price quotes from direct companies, and also from local insurance agencies.
The next list is a quick rundown of the coverage data presented in the illustrations above.
- You may be able to save around $120 per year simply by quoting early and online
- Increasing policy deductibles can save approximately $300 each year
- Drivers age 20 and younger have the highest car insurance prices, possibly costing $358 per month if the policy includes full coverage
- Higher risk drivers with reckless driving or DUI convictions may have to pay on average $1,250 more per year to buy Volvo XC90 insurance
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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