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 including full coverage. Comprehensive costs an estimated $206 a year, collision costs $286, and liability is $478. A liability-only policy costs around $526 a year, with high-risk insurance costing around $2,426. Teen drivers cost the most to insure at $4,434 a year or more.
Average premium for full coverage: $1,128
Policy rates broken down by type of insurance:
Rates are based on $500 deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and XC90 trim levels.
Price Range Variability
For a driver in their 40's, Volvo XC90 insurance rates go from as low as $526 for liability-only coverage to a high of $2,426 for high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city can have significant affects on the price of auto insurance. More rural locations are shown to have a lower frequency of comprehensive and collision claims than larger metro areas.
The diagram below illustrates how location helps determine insurance prices.
The examples above highlight why it is important to compare rates quotes for a targeted area and risk profile, instead of using price 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 Charts and Tables
The chart below breaks down estimated Volvo XC90 insurance rates for other coverage scenarios.
- The lowest rate with discounts is $676
- Raising to $1,000 deductibles will save approximately $1,016 every year
- The average rate for a good driver age 40 who has $500 deductibles is $1,128
- Choosing low $100 deductibles will increase the cost to $1,342
- At-risk drivers with multiple violations and an at-fault accident could pay up to $2,426 or more
- Policy cost for full coverage for a teen driver can cost as much as $4,434
Car insurance rates for a Volvo XC90 also range considerably based on your risk profile, the model of your XC90, and liability limits and deductibles.
Older drivers with no driving violations and high deductibles may pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are highest for teenagers, where even good drivers will be charged at least $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 $870 a year in states like Vermont, New Hampshire, and Missouri, or 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% |
Choosing high deductibles can reduce rates by up to $330 every year, while buying higher liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $430 extra every 12 months. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you are likely paying $1,300 to $1,900 extra every year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 43% to 129% more than average. View High Risk Driver Rates
Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to get quotes and see which company has the best rate. Every auto insurance company uses a different rate calculation, so rate quotes will be varied from one company to the next.
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 Best Cheap Volvo XC90 Insurance
Finding cheaper rates on car insurance consists of not taking risks behind the wheel, having above-average credit, paying for small claims out-of-pocket, and not having any coverage lapses. Invest time comparing rates every couple of years by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
The following is a quick review of the material that was covered in the charts and tables above.
- Policyholders who want higher liability limits will pay about $530 per year to raise from a 30/60 limit to 250/500 limits
- Teens have the highest car insurance rates, with premiums being up to $370 each month if full coverage is included
- Higher risk drivers with a DUI or reckless driving violation may pay on average $1,300 more annually for XC90 insurance
- Increasing comprehensive and collision deductibles can save around $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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