Volvo XC90 Insurance Rates

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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:

Comprehensive $192
Collision $262
Liability $474

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.

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

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.

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

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

View Chart as Image

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

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.

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

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

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 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

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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