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 with full coverage. Comprehensive insurance costs around $206, collision costs $286, and liability insurance is estimated at $478. Buying just liability costs approximately $526 a year, with insurance for high-risk drivers costing $2,426 or more. Teenage drivers receive the highest rates at $4,434 a year or more.
Average premium for full coverage: $1,128
Rate estimates for individual coverage type:
These estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all U.S. states and for all XC90 models.
Price Range by Coverage and Risk
For a 40-year-old driver, prices range go from the low end price of $526 for just liability insurance to the much higher price of $2,426 for a driver who has had serious violations or accidents.
Price Range by Location
Living in a larger city has a significant impact on insurance rates. Areas with sparse population tend to have lower incidents of collision claims than densely populated cities.
The example below illustrates how your location can change auto insurance rates.
These examples demonstrate why everyone should get quotes for a specific zip code, rather than relying on average rates.
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 details estimated Volvo XC90 insurance rates for additional coverage choices and driver risks.
- The best discount rate is $676
- Choosing higher $1,000 deductibles can save about $112 annually
- The estimated price for a 40-year-old driver using $500 deductibles is $1,128
- Using pricier low deductibles for comp and collision coverage will cost an additional $214 a year
- High-risk insureds who are prone to accidents and violations could pay at least $2,426 or more
- The cost that insures a teen driver for full coverage can be $4,434 each year
Auto insurance rates for a Volvo XC90 can also vary considerably based on the model of your XC90, your age and driving habits, and deductibles and policy limits.
If you like to drive fast or you caused an accident, you may be forking out at least $1,300 to $1,900 in extra premium per year, depending on your age. Volvo XC90 insurance for high-risk drivers ranges anywhere from 43% to 129% more than a normal policy. View High Risk Driver Rates
A more mature driver with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,100 annually on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will have to pay as much as $4,400 a year. View Rates by Age
Where you live plays a big part in determining prices for Volvo XC90 insurance rates. A good driver about age 40 could pay as low as $810 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $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% |
Using high physical damage deductibles can save as much as $330 each year, whereas buying more liability protection will increase rates. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $430 extra every year. View Rates by Deductible or Liability Limit
With so much variability in rates, the best way to find out your exact price is to regularly compare rates from as many companies as possible. Each auto insurer uses a different method to calculate rates, and quoted rates can be significantly different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Volvo XC90 3.2 2WD | $1,106 | $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 2011 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 | $362 | $626 | $372 | $1,518 |
| 2023 Volvo XC90 | $346 | $600 | $390 | $1,494 |
| 2022 Volvo XC90 | $332 | $596 | $398 | $1,484 |
| 2021 Volvo XC90 | $320 | $582 | $416 | $1,476 |
| 2020 Volvo XC90 | $310 | $558 | $430 | $1,456 |
| 2019 Volvo XC90 | $292 | $538 | $442 | $1,430 |
| 2018 Volvo XC90 | $282 | $500 | $452 | $1,392 |
| 2017 Volvo XC90 | $270 | $470 | $456 | $1,354 |
| 2016 Volvo XC90 | $258 | $422 | $460 | $1,298 |
| 2014 Volvo XC90 | $234 | $364 | $464 | $1,220 |
| 2013 Volvo XC90 | $228 | $340 | $474 | $1,200 |
| 2012 Volvo XC90 | $210 | $316 | $474 | $1,158 |
| 2011 Volvo XC90 | $206 | $286 | $478 | $1,128 |
| 2010 Volvo XC90 | $192 | $262 | $474 | $1,086 |
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 Cheap Volvo XC90 Insurance
Saving money on Volvo XC90 insurance takes avoiding accidents and claims, maintaining a good credit score, eliminating unnecessary coverage, and maximizing policy discounts. Compare prices every other policy renewal by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The points below are a brief summary of the ideas that were illustrated above.
- Drivers under the age of 20 are expensive to insure, with premiums as much as $370 per month if the policy includes full coverage
- High-risk drivers that tend to have accidents or serious violations may pay on average $1,300 more every year to insure a Volvo XC90
- Increasing deductibles can save approximately $325 each year
- You may be able to save up to $130 per year simply by quoting online well ahead of the renewal date
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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