Volvo XC90 Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
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...
Licensed Insurance Agent
UPDATED: May 8, 2024
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Estimated insurance prices for a Volvo XC90 are $1,128 every 12 months with full coverage. Comprehensive insurance costs around $206, collision insurance costs $286, and liability costs $478. Liability-only insurance costs as little as $526 a year, and high-risk driver insurance costs $2,426 or more. 16-year-old drivers pay the most at up to $4,434 a year.
Average premium for full coverage: $1,128
Premium estimates for type of coverage:
Price estimates include $500 deductible amounts, minimum liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all U.S. states and for all XC90 models.
Insurance Price Range by Risk and Coverage
For a 40-year-old driver, insurance rates for a Volvo XC90 range from the cheapest price of $526 for basic liability insurance to the much higher price of $2,426 for high-risk insurance.
Insurance Price Range by Location
Your location can have significant affects on insurance rates. Areas with sparse population are statistically proven to have more infrequent collision claims than congested cities. The example below illustrates how your location can change auto insurance rates.
These rate differences demonstrate why everyone should compare rates for a specific zip code and their own driving history, 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.
Rate Comparisons
The chart below details average Volvo XC90 insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $676
- Drivers who choose higher $1,000 deductibles will pay about $112 annually
- The average price for a 40-year-old good driver using $500 deductibles is $1,128
- Buying pricier low deductibles for comprehensive and collision insurance costs an extra $214 every year
- Higher-risk drivers with multiple tickets or accidents could pay at least $2,426
- An auto insurance policy to insure a teen driver for full coverage can be $4,434 a year
Insurance prices for a Volvo XC90 also have a wide range based on physical damage deductibles and liability limits, your driving record, and the trim level and model year.
Opting for high physical damage deductibles could save up to $330 every year, whereas buying more liability protection will increase prices. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $430 more each year. View Rates by Deductible or Liability Limit
A more mature driver with no violations or accidents and higher deductibles may pay as little as $1,100 per year on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers should be prepared to pay as much as $4,400 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you may be forking out at least $1,300 to $1,900 additional annually, depending on your age. Volvo XC90 insurance for high-risk drivers can cost as much as 43% to 129% more than the average rate. View High Risk Driver Rates
Where you choose to live makes a big difference in Volvo XC90 insurance prices. A 40-year-old driver could pay as low as $810 a year in states like New Hampshire, Ohio, and Utah, or at least $1,520 on average in Florida, Michigan, and New York.
| 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% |
Insurance Rates by Trim Level and Model Year
| 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.
| 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 Shop for Cheaper Volvo XC90 Insurance
Finding better rates on car insurance not only requires having a good driving record, but also having above-average credit, being claim-free, and deciding if full coverage is necessary. Invest the time to shop around every couple of years by obtaining price quotes from direct companies, and also from several local insurance agents.
The next list is a condensed summary of the material that was illustrated above.
- Policyholders who may need increased levels of liability coverage will pay around $530 every year to go from 30/60 bodily injury limits to a 250/500 level
- Drivers age 20 and younger are charged the highest prices, possibly costing $370 per month if full coverage is included
- Higher risk drivers with multiple at-fault accidents pay on average $1,300 more every year to buy Volvo XC90 insurance
- Increasing policy deductibles could save as much as $325 each year
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,342 |
| $250 | $1,242 |
| $500 | $1,128 |
| $1,000 | $1,016 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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