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 insurance costs around $206 a year, collision insurance costs $286, and liability is $478. Liability-only insurance costs around $526 a year, and high-risk driver insurance costs $2,426 or more. 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 for type of insurance:
Price estimates include $500 policy deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and XC90 trim levels.
Price Range Variability
For the average 40-year-old driver, Volvo XC90 insurance rates range from the low end price of $526 for minimum levels of liability insurance to a high of $2,426 for a driver required to buy high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city can make a big difference on car insurance rates. Areas with sparse population are shown to have lower incidents of physical damage claims than congested cities. The diagram below illustrates the difference location can make on auto insurance rates.
The examples above illustrate why it is important to compare rates quotes for a specific zip code, instead of making a decision based on 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 Details
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 good driver age 40 using $500 deductibles is $1,128
- Buying low $100 deductibles will cost an additional $214 annually
- Drivers with multiple tickets or accidents could pay at least $2,426
- Policy cost that insures a 16-year-old driver can be $4,434
Auto insurance rates for a Volvo XC90 also range considerably based on the trim level of your XC90, your age and driving record, and deductibles and policy limits.
If you have a few points on your driving record or you caused an accident, you are probably paying at least $1,300 to $1,900 in extra premium every year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 43% to 129% more than the average rate. View High Risk Driver Rates
Older drivers with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will have to pay as much as $4,400 a year. View Rates by Age
Your home state also has a big influence on Volvo XC90 insurance prices. 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.
| 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% |
Opting for high physical damage deductibles can reduce rates by up to $330 annually, while buying higher liability limits will increase rates. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $430 extra every year. View Rates by Deductible or Liability Limit
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 Cheaper Volvo XC90 Insurance
Finding cheaper rates on insurance for a Volvo XC90 consists of avoiding accidents and claims, maintaining a good credit score, being claim-free, and possibly raising deductibles. Comparison shop at every policy renewal by requesting rates from direct insurance companies, and also from insurance agencies where you live.
The points below are a condensed summary of the data touched on in this article.
- Insureds who may need increased liability limits will pay around $530 annually to raise from a 30/60 limit to the 250/500 level
- It is possible to save up to $130 per year just by quoting early and online
- Increasing comprehensive and collision deductibles can save approximately $325 each year
- Drivers under the age of 20 are expensive to insure, possibly costing $370 each month if the policy includes full coverage
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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