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 $1,128 a year for full coverage insurance. Comprehensive costs approximately $206, collision insurance costs $286, and liability costs around $478. Liability-only insurance costs as low as $526 a year, and high-risk driver insurance costs around $2,426. 16-year-old drivers cost the most to insure at up to $4,434 a year.

Average premium for full coverage: $1,128

Policy rates by type of insurance:

Comprehensive $206
Collision $286
Liability $478

Prices are based on $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all 50 states and for different XC90 trim levels.

Price Range Variability

For the average driver, Volvo XC90 insurance rates range from as low as $526 for just liability insurance to a much higher rate of $2,426 for coverage for higher-risk drivers.

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

Urban vs. Rural Price Range

Where you live can have significant affects on the price of auto insurance. Rural locations are shown to have a lower frequency of physical damage claims than congested cities. The price range example below illustrates how location impacts auto insurance prices.

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

The examples above illustrate why anyone shopping for car insurance should compare prices using their specific location and risk profile, 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 Details

The chart below illustrates average Volvo XC90 insurance rates for additional coverage and risk scenarios.

  • The best full coverage rate is $676
  • Using higher $1,000 deductibles will save $112 each year
  • The average rate for a good driver age 40 who chooses $500 deductibles is $1,128
  • Buying more expensive low deductibles for physical damage coverage will increase the cost to $1,342
  • Drivers with multiple tickets or accidents could pay around $2,426
  • Policy cost for full coverage for a teen driver with full coverage can cost $4,434 or more

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

Auto insurance rates for a Volvo XC90 also range considerably based on your risk profile, the model year and trim level, and physical damage deductibles and liability limits.

An older driver with a good driving record and high deductibles may pay as little as $1,100 a year, or $92 per month, for full coverage. Rates are highest for teenagers, where even good drivers will have to pay in the ballpark of $4,400 a year. View Rates by Age

Your home state has a huge impact on Volvo XC90 insurance prices. A driver around age 40 might see rates as low as $740 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,520 on average in Florida, New York, and Michigan.

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 could cut rates by as much as $330 every year, while increasing your policy's liability limits will push rates upward. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $430 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying anywhere from $1,300 to $1,900 in extra premium every year, depending on your age. High-risk driver insurance can be as much as 43% to 129% more than the average rate. View High Risk Driver Rates

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 Affordable Volvo XC90 Insurance

Finding cheaper rates on car insurance requires avoiding accidents and violations, having good credit, being claim-free, and possibly higher deductibles. Spend time shopping around at least once a year by getting rate quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The list below is a brief review of the primary concepts that were touched on above.

  • It is possible to save around $130 per year just by shopping early and online
  • Higher risk drivers with DUI or reckless driving convictions may pay on average $1,300 more per year for car insurance
  • Increasing comprehensive and collision deductibles can save around $325 each year
  • Teenagers have the highest car insurance rates, possibly costing $370 each month if they have full coverage

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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