Volvo XC90 Insurance Rates
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UPDATED: Apr 30, 2020
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Many consumers wonder ask why Volvos are so expensive to insure. However, the average Volvo XC90 insurance rates are around $126 per month or $1,518 annually. Many factors impact your Volvo XC90 insurance costs, like your age, where you live, and your driving record.
Therefore, insurance on a Volvo is expensive for higher-risk drivers, in other words, younger drivers and people with imperfect driving records. Even the age of your Volvo model can change the rate you pay for insurance. For example, a 2021 Volvo XC90 will receive higher quotes than the Volvo XC90 2019 model.
Because Volvo is a luxury brand, many consumers choose to take out fuller-coverage policies, which often include collision insurance and other forms of protection. What is collision insurance and what does it cover on a luxury vehicle like the Volvo XC90? Read through our comprehensive Volvo XC90 review to answer all of these questions and more.
Find out your Volvo XC90 insurance group by entering your five-digit ZIP code into our FREE quote comparison tool to find your lowest rates.
U.S. average insurance prices for a Volvo XC90 are $1,494 every 12 months including full coverage. Comprehensive insurance costs around $346 each year, collision costs $600, and liability coverage is estimated at $390. Liability-only insurance costs approximately $452 a year, with high-risk driver insurance costing $3,226 or more. 16-year-old drivers pay the highest rates at $5,462 a year or more.
Average premium for full coverage: $1,494
Price estimates for individual coverage:
Price estimates include $500 policy deductibles, split liability limits of 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and XC90 models.
Price Range from Low to High
For the average 40-year-old driver, Volvo XC90 insurance prices go from the cheapest price of $452 for just liability insurance to a high rate of $3,226 for coverage for higher-risk drivers.
Geographic Price Range
Living in a larger city has a large influence on the price of insurance. Areas with sparse population have more infrequent comprehensive and collision claims than congested cities.
The graphic below illustrates the difference location can make on auto insurance rates.
The ranges above highlight why all drivers should get quotes for a specific zip code and their own driving history, 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.
More Rate Details
The chart below breaks down estimated Volvo XC90 insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $856
- Choosing higher $1,000 deductibles can save about $216 every year
- The average price for the average middle-age driver using $500 deductibles is $1,494
- Buying low deductibles for comp and collision coverage costs an extra $418 each year
- Drivers with multiple tickets or accidents could pay at least $3,226 or more
- The price to insure a teenage driver can be $5,462 each year
Car insurance prices for a Volvo XC90 are also quite variable based on deductibles and policy limits, your driving characteristics, and the trim level and model year.
Opting for high physical damage deductibles can save as much as $640 a year, whereas increasing liability limits will increase prices. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $351 extra every 12 months. View Rates by Deductible or Liability Limit
More mature drivers with no driving violations and higher deductibles may only pay around $1,400 annually on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers will be charged as much as $5,400 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are likely paying at least $1,800 to $2,400 extra each year, depending on your age. Insurance for high-risk drivers ranges around 44% to 135% more than the average rate. View High Risk Driver Rates
The state you live in plays a big part in determining prices for Volvo XC90 insurance rates. A good driver about age 40 could pay as low as $1,150 a year in states like Missouri, New Hampshire, and Vermont, or at least $2,130 on average in Michigan, New York, and Louisiana.
|State||Premium||Compared to U.S. Avg||Percent Difference|
Since prices can be so different, the best way to figure out your exact price is to do a rate comparison and see how they stack up. Each auto insurer utilizes a different rate formula, so rate quotes may be quite different.
Insurance Rates by Trim Level and Model Year
|Model and Trim||Annual Premium||Monthly Premium|
|Volvo XC90 3.2 2WD||$1,450||$121|
|Volvo XC90 3.2 R-Design 2WD||$1,450||$121|
|Volvo XC90 3.2 AWD||$1,536||$128|
|Volvo XC90 V8 AWD||$1,536||$128|
Rates assume 2020 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|
|2020 Volvo XC90||$346||$600||$390||$1,494|
|2019 Volvo XC90||$332||$596||$398||$1,484|
|2018 Volvo XC90||$320||$582||$416||$1,476|
|2017 Volvo XC90||$310||$558||$430||$1,456|
|2016 Volvo XC90||$292||$538||$442||$1,430|
|2014 Volvo XC90||$270||$470||$456||$1,354|
|2013 Volvo XC90||$258||$422||$460||$1,298|
|2012 Volvo XC90||$242||$388||$460||$1,248|
|2011 Volvo XC90||$234||$364||$464||$1,220|
|2010 Volvo XC90||$228||$340||$474||$1,200|
|2009 Volvo XC90||$210||$316||$474||$1,158|
|2008 Volvo XC90||$206||$286||$478||$1,128|
|2007 Volvo XC90||$192||$262||$474||$1,086|
|2006 Volvo XC90||$180||$238||$474||$1,050|
|2005 Volvo XC90||$174||$214||$468||$1,014|
|2004 Volvo XC90||$172||$208||$460||$998|
|2003 Volvo XC90||$168||$198||$452||$976|
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
Getting lower rates on auto insurance takes avoiding accidents and claims, maintaining a good credit score, being claim-free, and qualifying for all possible discounts. Make time to compare rates at least once a year by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
The points below are a condensed summary of the primary concepts that were touched on in this article.
- You may be able to save up to $180 per year simply by quoting online in advance
- Drivers with multiple at-fault accidents could be forced to pay on average $1,730 more every year to insure a Volvo XC90
- Increasing physical damage deductibles could save as much as $625 each year
- Drivers under the age of 20 are the costliest to insure, possibly costing $455 a month if the policy includes full coverage
As you’ve learned from the above information, many factors impact your Volvo XC90 price for car insurance. Even different Volvo XC90 interiors can affect your overall rates.
Whether you’re buying a brand new Volvo XC90 2020 model or found a used Volvo XC90 for sale, secure the lowest car insurance rates by using our FREE tool below to comparison shop.
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What are the safety ratings for the Volvo XC90?
Understanding the Volvo XC90 safety ratings and features is a great way to discover car insurance discounts you might qualify for. Sometimes, it can even uncover if your vehicle is causing your rates to increase.
Check out the 2020 Volvo XC90 safety ratings below.
- Small overlap front (driver-side): Good
- Small overlap front (passenger-side): Good
- Moderate overlap front: Good
- Side: Good
- Roof strength: Good
- Head restraints and seats: Good
A rating of ‘Good’ is the highest possible standard given by the Insurance Institute for Highway Saftey. As you can see, the Volvo XC90 received nearly perfect ratings and is one of the 2020 top safety picks. Your insurance premiums will reflect these great safety assessments.
The Volvo XC90 might be safe to drive, but is the Volvo XC90 expensive to maintain? Cars that cost more to fix or replace usually receive higher than average insurance rates, as they cost insurers more money if a claim is filed.
Fortunately, the 2020 Volvo XC90 configurations cost no more than other newer luxury SUVs when it comes to upkeep. This will help keep your insurance rates low.
Volvo XC90 Compared Against other Vehicles in the Same Class
Comparing the Volvo XC90 to similar vehicles can help you save money, especially it has better insurance loss ratios than other vehicles in its class.
Officially the Insurance Institue for Highway Safety classifies the Volvo XC90 as a midsize luxury SUV. See other comparable midsize luxury SUVs in the list below:
The Volvo XC90 has substantially better than average property damage, personal injury, medical payment, and bodily injury insurance loss ratios at -37 percent, -48 percent, -57 percent, and -61 percent respectively. Unfortunately, this vehicle’s comprehensive insurance loss ratios are substantially worse than average at 58 percent.
Fortunately, the good percentages should outweigh the bad in this case. These loss ratios likely will not cause your rates to drastically increase.
You are now an expert on the Volvo XC90 insurance rates. Is the Volvo XC90 a good car for you? Do you already drive one? If so, make sure you aren’t paying too much for car insurance. Enter your ZIP code into our FREE quote tool to compare affordable rates for your Volvo XC90.
Rate Tables and Charts
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
|5-yr Accident Free||$112|
|5-yr Claim Free||$97|
|Paid in Full/EFT||$70|
Discounts are estimated and may not be available from every company or in every state.