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 including full coverage. Comprehensive costs approximately $206, collision insurance costs $286, and liability is $478. A policy with just liability insurance costs around $526 a year, and coverage for high-risk drivers costs around $2,426. Teenage drivers receive the highest rates at up to $4,434 a year.
Average premium for full coverage: $1,128
Rate estimates by individual coverage type:
Includes $500 policy deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 U.S. states and for all XC90 models.
Price Range by Coverage and Risk
For the normal driver, prices range range from as low as $526 for the bare minimum liability coverage to the much higher price of $2,426 for a high-risk insurance policy.
Price Range by Location
Choosing to live in a large city can have significant affects on car insurance prices. Rural locations tend to have a lower frequency of comprehensive and collision claims than densely populated cities. The example below illustrates how geographic area affects auto insurance prices.
These examples highlight why everyone should compare rates quotes using their specific location and risk profile, instead of using 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.
Additional Rate Information
The chart below breaks down average Volvo XC90 insurance rates for additional coverage and risk scenarios.
- The best discount rate is $676
- Raising to $1,000 deductibles will save $112 every year
- The average rate for a 40-year-old driver who chooses $500 deductibles is $1,128
- Using pricier low deductibles will increase the cost to $1,342
- At-risk drivers who are prone to accidents and violations could pay around $2,426
- The cost for full coverage for a teen driver for full coverage can cost $4,434
Insurance rates for a Volvo XC90 can also vary considerably based on your driver profile, the model of your XC90, and physical damage deductibles and liability limits.
A more mature driver with no violations or accidents and high deductibles may pay as little as $1,100 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even good drivers should be prepared to pay in the ballpark of $4,400 a year. View Rates by Age
Where you live also has a big influence on Volvo XC90 insurance prices. A middle-age driver might find rates as low as $870 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,610 on average in Louisiana, New York, and Michigan.
| 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 reduce rates by up to $330 every year, whereas buying more liability protection will push rates upward. Changing from a 50/100 limit to a 250/500 limit will cost as much as $430 more each year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you are likely paying anywhere from $1,300 to $1,900 additional per year, depending on your age. Volvo XC90 insurance for high-risk drivers is expensive and can cost as much as 43% to 129% more than a normal policy. View High Risk Driver Rates
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 the Cheapest Volvo XC90 Insurance
Saving money on car insurance consists of being a good driver, having a good credit history, not filing small claims, and consideration of higher deductibles. Invest the time to compare rates at least every other year by getting rate quotes from direct car insurance companies like GEICO and Progressive, and also from insurance agencies where you live.
The following list is a recap of the car insurance concepts presented in the illustrations above.
- Higher risk drivers that have major violations or accidents could be forced to pay on average $1,300 more per year than a safer driver
- You may be able to save around $130 per year just by quoting online well ahead of the renewal date
- Increasing deductibles can save around $325 each year
- Policyholders who purchase an increased level of liability coverage will pay an extra $530 per year to raise from a minimum limit to 250/500 limits
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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