Volvo XC90 Insurance Rates
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Michelle Robbins
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UPDATED: May 8, 2024
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The average insurance rates for a Volvo XC90 are $1,086 a year with full coverage. Comprehensive costs around $192, collision insurance costs $262, and liability is estimated at $474. Buying just liability costs approximately $522 a year, and insurance for high-risk drivers costs around $2,334. Teens cost the most to insure at up to $4,298 a year.
Average premium for full coverage: $1,086
Policy rates for type of insurance:
These estimates include $500 deductible amounts, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and for all XC90 models.
Price Range Variability
For a 40-year-old driver, Volvo XC90 insurance rates range from the low end price of $522 for minimum levels of liability insurance to the much higher price of $2,334 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Living in a larger city can have significant affects on insurance rates. Areas with sparse population are shown to have lower incidents of collision claims than cities with more traffic congestion. The example below illustrates how your location can change auto insurance rates.
The examples above demonstrate why everyone should get quotes for a specific zip code, instead of using averaged prices.
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 Details
The chart below details average Volvo XC90 insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $653
- Choosing higher $1,000 deductibles can save about $104 annually
- The estimated price for a good driver age 40 using $500 deductibles is $1,086
- Selecting pricier low deductibles for comp and collision coverage bumps up the cost to $1,282
- Unlucky drivers with serious driving violations could pay at least $2,334
- Policy cost that insures a teen driver for full coverage can be $4,298 each year
Insurance rates for a Volvo XC90 also range considerably based on the model of your XC90, your age and driving habits, and deductibles and policy limits.
If you have a few points on your driving record or you caused an accident, you may be forking out at least $1,300 to $1,800 extra every year, depending on your age. Volvo XC90 insurance for high-risk drivers ranges as much as 42% to 133% more than the average policy. View High Risk Driver Rates
A more mature driver with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,000 annually on average, or $83 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay as much as $4,200 a year. View Rates by Age
Your home state 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 have to pay at least $1,470 on average in Florida, Michigan, and New York.
| 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% |
Choosing higher comprehensive and collision insurance deductibles can save as much as $300 every year, whereas buying more liability protection will increase rates. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $426 more per year. View Rates by Deductible or Liability Limit
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 Cheap Volvo XC90 Insurance
Finding cheaper rates on car insurance takes having a good driving record, having above-average credit, not filing small claims, and dropping full coverage on older vehicles. Compare rates once a year by getting quotes from direct companies, and also from your local independent and exclusive agents.
The next list is a brief summary of the data that was illustrated above.
- You may be able to save up to $120 per year just by quoting online well ahead of the renewal date
- Policyholders who may need increased levels of liability coverage will pay approximately $520 every year to raise limits from a 30/60 limit to the 250/500 level
- Drivers age 20 and younger pay higher rates, as much as $358 each month if full coverage is included
- Higher risk drivers that tend to have accidents or serious violations may pay on average $1,250 more every 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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