Volvo XC90 Auto Insurance (2024)
Volvo XC90 insurance rates will cost $127 per month ($1,518 per year) on average. Teens pay the highest rates at up to $5,548 a year, while good drivers may only pay $892.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Jun 23, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jun 23, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Key takeaways:
- Full coverage costs around $1,518 a year or $127 each month
- A liability-only policy costs around $608 a year or $51 each month
- Highest rates are for teenage drivers at around $5,548 a year or $462 each month
- Good drivers can save as much as $626 a year by earning policy discounts
- Volvo XC90 insurance costs around $1 less per year than the average vehicle
Volvo XC90 insurance rates cost $127 per month for full coverage and $51 per month for liability-only coverage. Teen drivers have insurance rates that are nearly $500 per month, but parents can save $626 per year through policy discounts. Continue reading to learn how you can be eligible for discounted Volvo XC90 insurance rates.
You can start comparing quotes for Volvo XC90 auto insurance rates from some of the best auto insurance companies by using our free online tool now.
Volvo XC90 Insurance Cost
The average Volvo XC90 auto insurance rates are $1,518 a year or $127 a month.
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Are Volvo XC90s Expensive to Insure?
The chart below details how Volvo XC90 insurance rates compare to other SUVs like the Lexus RX 350, Ford Expedition, and Chevrolet Tahoe.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Volvo XC90 | $362 | $626 | $372 | $1,518 |
| Lexus RX 350 | $358 | $660 | $440 | $1,638 |
| Ford Expedition | $336 | $532 | $316 | $1,320 |
| Chevrolet Tahoe | $336 | $532 | $372 | $1,398 |
| Mitsubishi Outlander Sport | $280 | $512 | $332 | $1,260 |
| Honda Passport | $362 | $656 | $316 | $1,470 |
| Jeep Grand Cherokee | $322 | $562 | $372 | $1,414 |
However, there are a few things you can do to find the cheapest Volvo insurance rates online.
What Impacts the Cost of Volvo XC90 Insurance?
You might have noticed that there is a multitude of factors that impact Volvo XC90 auto insurance rates. Your age, location, driving record, and model year all play a role in what you will ultimately pay to insure the Volvo XC90.
Age of the Vehicle
Older Volvo XC90 models generally cost less to insure. For example, car insurance rates for a 2020 Volvo XC90 are $1,518, while 2010 Volvo XC90 rates are $1,220, a difference of $298.
| Model Year | Comprehensive | Collision | Liability | Total |
| 2020 Volvo XC90 | $362 | $626 | $372 | $1,518 |
| 2019 Volvo XC90 | $346 | $600 | $390 | $1,494 |
| 2018 Volvo XC90 | $332 | $596 | $398 | $1,484 |
| 2017 Volvo XC90 | $320 | $582 | $416 | $1,476 |
| 2016 Volvo XC90 | $310 | $558 | $430 | $1,456 |
| 2014 Volvo XC90 | $282 | $500 | $452 | $1,392 |
| 2013 Volvo XC90 | $270 | $470 | $456 | $1,354 |
| 2012 Volvo XC90 | $258 | $422 | $460 | $1,298 |
| 2011 Volvo XC90 | $242 | $388 | $460 | $1,248 |
| 2010 Volvo XC90 | $234 | $364 | $464 | $1,220 |
Driver Age
Driver age can have a significant impact on the cost of Volvo XC90 auto insurance. For example, 20-year-old drivers pay as much as $1,923 more each year for their Volvo XC90 auto insurance than 40-year-old drivers.
Driver Location
Where you live can have a large impact on Volvo XC90 insurance rates. For example, drivers in Phoenix may pay $835 a year less than drivers in Los Angeles.
Your Driving Record
Your driving record can have an impact on the cost of Volvo XC90 auto insurance. Teens and drivers in their 20’s see the highest jump in their Volvo XC90 auto insurance with violations on their driving record.
Volvo XC90 Safety Ratings
The Volvo XC90’s safety ratings will affect your Volvo XC90 auto insurance rates. See the chart below:
| Test Type | Rating |
| 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 |
| Source: Insurance Institute for Highway Safety | |
Volvo XC90 Crash Test Ratings
The crash test ratings of the Volvo XC90 can impact your Volvo XC90 auto insurance rates.
| Vehicle Tested | Overall | Frontal | Side | Rollover |
| 2020 Volvo XC90 T8 SUV AWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2020 Volvo XC90 T6 SUV AWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2020 Volvo XC90 T5 SUV FWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2020 Volvo XC90 T5 SUV AWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2019 Volvo XC90 T8 SUV AWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2019 Volvo XC90 T6 SUV AWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2019 Volvo XC90 T5 SUV FWD | N/R | 5 stars | 5 stars | N/R |
| 2019 Volvo XC90 T5 SUV AWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2018 Volvo XC90 T8 SUV AWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2018 Volvo XC90 T6 SUV FWD | N/R | 5 stars | 5 stars | N/R |
| 2018 Volvo XC90 T6 SUV AWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2018 Volvo XC90 T5 SUV FWD | N/R | 5 stars | 5 stars | N/R |
| 2018 Volvo XC90 T5 SUV AWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2017 Volvo XC90 T8 SUV AWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2017 Volvo XC90 T6 SUV FWD | N/R | 5 stars | 5 stars | N/R |
| 2017 Volvo XC90 T6 SUV AWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2017 Volvo XC90 T5 SUV FWD | N/R | 5 stars | 5 stars | N/R |
| 2017 Volvo XC90 T5 SUV AWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2016 Volvo XC90 T8 SUV AWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2016 Volvo XC90 T6 SUV FWD | N/R | 5 stars | 5 stars | N/R |
| 2016 Volvo XC90 T6 SUV AWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2016 Volvo XC90 T5 SUV FWD | N/R | 5 stars | 5 stars | N/R |
| 2016 Volvo XC90 T5 SUV AWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration | ||||
|---|---|---|---|---|
Volvo XC90 Safety Features
The more safety features you have on your Volvo XC90, the more likely it is that you can earn a discount. The Volvo XC90’s safety features include:
- Driver Air Bag
- Passenger Air Bag
- Front Head Air Bag
- Rear Head Air Bag
- Front Side Air Bag
- 4-Wheel ABS
- 4-Wheel Disc Brakes
- Brake Assist
- Electronic Stability Control
- Daytime Running Lights
- Child Safety Locks
- Integrated Turn Signal Mirrors
- Traction Control
- Blind Spot Monitor
- Auto-Leveling Headlights
- Lane Departure Warning
- Lane Keeping Assist
- Cross-Traffic Alert
Volvo XC90 Finance and Insurance Cost
If you are financing a Volvo XC90, most lenders will require your carry higher Volvo XC90 coverage options including comprehensive coverage, so be sure to shop around and compare Volvo XC90 auto insurance quotes from the best companies using our FREE tool below.
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5 Ways to Save on Volvo XC90 Insurance
You have more options at your disposal to save money on your Volvo XC90 auto insurance costs. For example, try taking advantage of the following five strategies to reduce your Volvo XC90 auto insurance rates
- Start Searching for New Volvo XC90 Insurance Rates a Month Before Your Renewal
- Reduce Modifications on Your Volvo XC90
- Use Paperless Billing for Your Volvo XC90 Auto Insurance Policy
- Buy a Dashcam for Your Volvo XC90
- Ask About Discounts for People with Disabilities
Top Volvo XC90 Insurance Companies
Who is the top auto insurance company for Volvo XC90 insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Volvo XC90 auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Volvo XC90 offers.
| Rank | Company | Volume | Market Share |
| 1 | State Farm | $65,615,190 | 9.3% |
| 2 | Geico | $46,106,971 | 6.6% |
| 3 | Progressive | $39,222,879 | 5.6% |
| 4 | Liberty Mutual | $35,600,051 | 5.1% |
| 5 | Allstate | $35,025,903 | 5.0% |
| 6 | Travelers | $28,016,966 | 4.0% |
| 7 | USAA | $23,483,080 | 3.3% |
| 8 | Chubb | $23,388,385 | 3.3% |
| 9 | Farmers | $20,643,559 | 2.9% |
| 10 | Nationwide | $18,442,145 | 2.6% |
| Source: Insurance Information Institute | |||
Compare Free Volvo XC90 Insurance Quotes Online
You can start comparing quotes for Volvo XC90 auto insurance rates from some of the best auto insurance companies by using our free online tool now.
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Frequently Asked Questions
What factors can affect the insurance rates for a Volvo XC90?
Several factors can influence the insurance rates for a Volvo XC90. These may include the driver’s age and driving record, the location where the vehicle is primarily parked, the coverage options chosen, the vehicle’s model year, its value, and the cost of repairs or replacement parts.
Are Volvo XC90 vehicles generally expensive to insure?
The cost of insuring a Volvo XC90 can vary depending on the factors mentioned earlier. While the XC90 is considered a luxury SUV, its safety features and reputation for reliability may help mitigate some of the potential cost increase. However, it’s always recommended to obtain quotes from multiple insurance providers to compare rates and coverage options.
Do insurance companies offer specific discounts for Volvo XC90 owners?
Many insurance companies provide discounts based on various factors. Some common discounts that may be available for Volvo XC90 owners include discounts for safety features, such as advanced driver assistance systems (ADAS) and anti-theft devices. Additionally, some insurers offer loyalty discounts or discounts for bundling multiple policies with the same company.
Is it necessary to have comprehensive and collision coverage for a Volvo XC90?
The need for comprehensive and collision coverage depends on individual circumstances and preferences. However, it’s important to consider that the Volvo XC90 is a valuable vehicle, and comprehensive and collision coverage can help protect against damages from accidents, theft, vandalism, and other covered events. It’s advisable to consult with an insurance professional to determine the most appropriate coverage for your specific needs.
Can I expect higher insurance rates for a new Volvo XC90 compared to an older model?
Generally, new vehicles, including the Volvo XC90, may have higher insurance rates due to their higher value and potential repair costs. However, new models often come with the latest safety features, which may help offset some of the potential rate increases. Insurance rates can vary significantly between insurance companies, so it’s essential to shop around for competitive quotes.
Are there any specific insurance considerations for hybrid or electric Volvo XC90 models?
Hybrid or electric Volvo XC90 models may have some unique insurance considerations. These vehicles typically have different repair and replacement costs compared to their gasoline counterparts. Insurance providers may offer specific coverage options or discounts for hybrid or electric vehicles. It’s advisable to discuss these options with insurance companies to ensure adequate coverage and potential cost savings.
Should I inform my insurance company if I make modifications to my Volvo XC90?
Yes, it’s important to inform your insurance company if you make modifications to your Volvo XC90. Certain modifications, such as aftermarket performance enhancements or cosmetic changes, may affect the vehicle’s value and safety. Failure to disclose modifications could potentially result in coverage gaps or claim denials. Contact your insurance provider to understand their policy regarding modifications and to ensure appropriate coverage.
How can I find affordable insurance for my Volvo XC90?
To find affordable insurance for your Volvo XC90, consider the following steps:
- Shop around: Obtain quotes from multiple insurance companies to compare rates and coverage options.
- Increase deductibles: Opting for higher deductibles can lower your premium, but ensure you can afford the deductible amount in the event of a claim.
- Bundle policies: Inquire about discounts for bundling multiple insurance policies, such as home and auto, with the same insurer.
- Maintain a good driving record: Safe driving habits can help you qualify for lower insurance rates over time.
- Inquire about discounts: Ask insurance companies about available discounts, such as those for safety features or driver training courses.
- Consider usage-based insurance: Some insurers offer usage-based insurance programs that calculate
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.