Volvo XC90 Insurance Rates
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Michelle Robbins
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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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Average insurance rates for a Volvo XC90 are $1,086 a year for full coverage insurance. Comprehensive costs on average $192, collision costs $262, and liability is $474. Liability-only coverage costs around $522 a year, with high-risk coverage costing around $2,334. Teens receive the highest rates at $4,298 a year or more.
Average premium for full coverage: $1,086
Rate estimates by individual coverage type:
Includes $500 physical damage deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 states and for different XC90 trim levels.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range go from the low end price of $522 for liability-only coverage to a much higher rate of $2,334 for a high-risk insurance policy.
Price Range by Location
Choosing to live in a large city can make a big difference on insurance rates. Rural areas tend to have lower incidents of physical damage claims than cities with more traffic congestion.
The price range example below illustrates how rural and urban location affects car insurance rates.
These examples illustrate why anyone shopping for car insurance should compare rates quotes based on a specific location, instead of making a decision based on 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 Charts and Tables
The chart below illustrates estimated Volvo XC90 insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $653
- Raising to $1,000 deductibles will save around $104 each year
- The estimated price for a 40-year-old driver with $500 deductibles is $1,086
- Selecting more expensive low deductibles bumps up the cost to $1,282
- Drivers with serious driving violations could pay upwards of $2,334 or more
- The cost that insures a 16-year-old driver with full coverage may cost $4,298
Car insurance rates for a Volvo XC90 can also vary considerably based on the model year and trim level, your age and driving record, and policy deductibles and limits.
If you like to drive fast or you caused an accident, you are probably paying at a minimum $1,300 to $1,800 extra per year, depending on your age. High-risk driver insurance is expensive and can cost from 42% to 133% more than the average policy. View High Risk Driver Rates
An older driver with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,000 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will be charged upwards of $4,200 a year. View Rates by Age
Where you live also has a big influence on Volvo XC90 insurance prices. A middle-age driver might find rates as low as $710 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,470 on average in Michigan, New York, 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% |
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $300 annually, while increasing your policy's liability limits will cost you more. Switching 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
With so much variability in rates, the only way to figure out exactly what you will pay is to compare rates from multiple companies. Every auto insurance company calculates rates differently, so rate quotes can be significantly 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 Cheapest Volvo XC90 Insurance
Saving money on insurance for a Volvo XC90 consists of being a safe and courteous driver, having a positive credit history, avoid buying unnecessary coverage, and maximizing policy discounts. Compare rates at least every other year by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
Below is a recap of the car insurance concepts raised in the charts and tables above.
- Drivers considered higher risk that have major violations or accidents may pay on average $1,250 more each year for auto insurance
- It is possible to save as much as $120 per year simply by shopping early and online
- Increasing deductibles can save approximately $300 each year
- Insureds who require higher levels of liability will pay approximately $520 annually to raise from a minimum limit to the 250/500 level
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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