Volvo XC90 Insurance Rates

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UPDATED: May 8, 2024

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Average insurance rates for a Volvo XC90 are $1,128 a year for full coverage insurance. Comprehensive costs around $206 a year, collision insurance costs $286, and liability coverage is $478. Liability-only coverage costs around $526 a year, and high-risk coverage costs around $2,426. 16-year-old drivers receive the highest rates at up to $4,434 a year.

Average premium for full coverage: $1,128

Rate estimates for individual coverage type:

Comprehensive $206
Collision $286
Liability $478

Rate estimates include $500 policy deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 states and XC90 trim levels.

Price Range by Coverage and Risk

For the average driver, prices range range from the low end price of $526 for just the minimum liability insurance to a high of $2,426 for a policy for a high-risk driver.

Liability Only $526
Full Coverage $1,128
High Risk $2,426

Price Range by Location

Choosing to live in a large city has a large influence on car insurance rates. Areas with sparse population tend to have lower incidents of physical damage claims than congested cities. The diagram below illustrates how location impacts auto insurance rates.

Rural Areas $846
Small Cities $1,184
Large Cities $1,523

These examples illustrate why it is important to compare rates quotes for a specific zip code, rather than 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.

Additional Rate Analysis

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

  • The best full coverage rate is $676
  • Raising to $1,000 deductibles will save about $1,016 each year
  • The estimated price for a 40-year-old driver using $500 deductibles is $1,128
  • Buying low $100 deductibles bumps up the cost to $1,342
  • Unlucky drivers with multiple tickets or accidents could pay at least $2,426
  • The cost that insures a teenage driver can be $4,434

View Chart as Image

Volvo XC90 insurance cost comparison chart
Column chart showing Volvo XC90 insurance rates range from $676 to $4,434 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 record, and deductibles and policy limits.

If you like to drive fast or you caused an accident, you are probably paying at least $1,300 to $1,900 extra per year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 43% to 129% more than the average rate. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles may only pay around $1,100 every 12 months on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will be charged as much as $4,400 a year. View Rates by Age

Where you live also has a big influence on Volvo XC90 insurance rates. A middle-age driver might find rates as low as $740 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,520 on average in Michigan, New York, and Florida.

Volvo XC90 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,020 -$108 -9.6%
Alaska $866 -$262 -23.2%
Arizona $936 -$192 -17.0%
Arkansas $1,128 -$0 0.0%
California $1,284 $156 13.8%
Colorado $1,078 -$50 -4.4%
Connecticut $1,158 $30 2.7%
Delaware $1,276 $148 13.1%
Florida $1,410 $282 25.0%
Georgia $1,040 -$88 -7.8%
Hawaii $810 -$318 -28.2%
Idaho $764 -$364 -32.3%
Illinois $840 -$288 -25.5%
Indiana $848 -$280 -24.8%
Iowa $760 -$368 -32.6%
Kansas $1,072 -$56 -5.0%
Kentucky $1,538 $410 36.3%
Louisiana $1,668 $540 47.9%
Maine $694 -$434 -38.5%
Maryland $930 -$198 -17.6%
Massachusetts $902 -$226 -20.0%
Michigan $1,958 $830 73.6%
Minnesota $944 -$184 -16.3%
Mississippi $1,350 $222 19.7%
Missouri $1,000 -$128 -11.3%
Montana $1,212 $84 7.4%
Nebraska $890 -$238 -21.1%
Nevada $1,350 $222 19.7%
New Hampshire $812 -$316 -28.0%
New Jersey $1,262 $134 11.9%
New Mexico $998 -$130 -11.5%
New York $1,186 $58 5.1%
North Carolina $648 -$480 -42.6%
North Dakota $922 -$206 -18.3%
Ohio $780 -$348 -30.9%
Oklahoma $1,158 $30 2.7%
Oregon $1,032 -$96 -8.5%
Pennsylvania $1,076 -$52 -4.6%
Rhode Island $1,504 $376 33.3%
South Carolina $1,020 -$108 -9.6%
South Dakota $952 -$176 -15.6%
Tennessee $988 -$140 -12.4%
Texas $1,360 $232 20.6%
Utah $836 -$292 -25.9%
Vermont $772 -$356 -31.6%
Virginia $676 -$452 -40.1%
Washington $870 -$258 -22.9%
West Virginia $1,032 -$96 -8.5%
Wisconsin $780 -$348 -30.9%
Wyoming $1,004 -$124 -11.0%

View Chart as Image

Volvo XC90 insurance rates by U.S. city

Opting for high physical damage deductibles can reduce rates by up to $330 a year, while buying higher liability limits will increase rates. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $430 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 $1,106 $92
Volvo XC90 3.2 R-Design 2WD $1,106 $92
Volvo XC90 3.2 AWD $1,148 $96
Volvo XC90 V8 AWD $1,148 $96

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 $346 $600 $390 $1,494
2023 Volvo XC90 $332 $596 $398 $1,484
2022 Volvo XC90 $320 $582 $416 $1,476
2021 Volvo XC90 $310 $558 $430 $1,456
2020 Volvo XC90 $292 $538 $442 $1,430
2019 Volvo XC90 $282 $500 $452 $1,392
2018 Volvo XC90 $270 $470 $456 $1,354
2017 Volvo XC90 $258 $422 $460 $1,298
2016 Volvo XC90 $242 $388 $460 $1,248
2014 Volvo XC90 $228 $340 $474 $1,200
2013 Volvo XC90 $210 $316 $474 $1,158
2012 Volvo XC90 $206 $286 $478 $1,128
2010 Volvo XC90 $180 $238 $474 $1,050

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 Best Volvo XC90 Insurance

Saving money on auto insurance consists of being a good driver, having a positive credit history, avoid buying unnecessary coverage, and consideration of higher deductibles. Comparison shop every year by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The following list is a brief recap of the coverage data touched on above.

  • It is possible to save up to $130 per year just by quoting early and online
  • Increasing deductibles can save approximately $325 each year
  • Drivers age 16 to 20 are the costliest to insure, costing up to $370 per month if full coverage is purchased
  • Drivers who tend to receive serious violations could be forced to pay on average $1,300 more every year than a safer driver

Rates by Driver Age

Volvo XC90 Insurance Rates by Driver Age
Driver Age Premium
16 $4,434
20 $2,574
30 $1,154
40 $1,128
50 $1,034
60 $1,010

Full coverage, $500 deductibles

Rates by Deductible

Volvo XC90 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,342
$250 $1,242
$500 $1,128
$1,000 $1,016

Full coverage, driver age 40

Rates by Liability Limit

Volvo XC90 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,128
50/100 $1,244
100/300 $1,363
250/500 $1,674
100 CSL $1,291
300 CSL $1,554
500 CSL $1,746

Full coverage, driver age 40

Rates for High Risk Drivers

Volvo XC90 Insurance Rates for High Risk Drivers
Age Premium
16 $6,270
20 $4,104
30 $2,456
40 $2,426
50 $2,320
60 $2,296

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 $152

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $58
Multi-vehicle $60
Homeowner $19
5-yr Accident Free $72
5-yr Claim Free $71
Paid in Full/EFT $43
Advance Quote $51
Online Quote $78
Total Discounts $452
Rate after discounts $676

Discounts are estimated and may not be available from every company or in every state.

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