Volvo XC90 Insurance Cost [Comprehensive Guide]

If you want to buy inexpensive Volvo XC90 insurance coverage then you should know that a policy 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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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 15, 2021

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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

Do you need help finding cheap Volvo XC90 insurance rates? Fear not. Full coverage for a Volvo XC90 costs around $1,518 a year or $127 each month. Keep reading to find out what factors most affect your Volvo XC90 insurance rates.

You can start comparing quotes for Volvo XC90 car insurance rates from some of the best car insurance companies by using our free online tool now.

Volvo XC90 Insurance Cost

The average Volvo XC90 car 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 Mazda CX-9, Jeep Grand Cherokee, and Lincoln Navigator.

Vehicle Comprehensive Collision Liability Total
Volvo XC90 $362 $626 $372 $1,518
Mazda CX-9 $332 $542 $390 $1,422
Jeep Grand Cherokee $322 $562 $372 $1,414
Lincoln Navigator $356 $686 $398 $1,598
Honda Pilot $336 $470 $372 $1,336
Chevrolet Traverse $336 $470 $316 $1,258
Toyota Sequoia $332 $566 $398 $1,454
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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?

The Volvo XC90 trim and model you choose can impact the total price you will pay for Volvo XC90 insurance coverage.

Age of the Vehicle

The average Volvo XC90 car insurance rates are higher for newer models. 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
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Driver Age

Driver age can have a significant effect on Volvo XC90 car insurance rates. For example, 20-year-old drivers pay $1,856 more for their Volvo XC90 car insurance each year than 30-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 car insurance. Teens and drivers in their 20’s see the highest jump in their Volvo XC90 auto insurance rates with violations on their driving record.

Volvo XC90 Safety Ratings

Your Volvo XC90 auto insurance rates are influenced by the Volvo XC90’s safety ratings. See the breakdown 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
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Volvo XC90 Crash Test Ratings

Volvo XC90 crash test ratings can impact your Volvo XC90 car insurance rates. See Volvo XC90 crash test results below:

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
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Volvo XC90 Safety Features

Having a variety of safety features on your Volvo XC90 can help lower your Volvo XC90 insurance costs. 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 rates from the best companies using our FREE tool below.

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Ways to Save on Volvo XC90 Insurance

Save more on your Volvo XC90 car insurance rates. Take a look at the following five strategies that will get you the best Volvo XC90 auto insurance rates possible.

  • Improve Your Credit Score
  • Drive Your Volvo XC90 Safely
  • Move to an Area with Better Weather
  • Carpool to Work Instead of Driving Your Volvo XC90
  • Ask About Usage-Based Insurance for Your Volvo XC90

Top Volvo XC90 Insurance Companies

The best auto insurance companies for Volvo XC90 car insurance rates will offer competitive rates, discounts, and account for the Volvo XC90’s safety features. The following list of car insurance companies outlines which companies hold the highest market share.

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
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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.

Crash Test Safety Ratings

Year Overall Frontal Crash Side Crash Rollover
2014
2013
2012
2011

Crash Avoidence Features

Forward Collision Auto Brake

Not Available

Lane Departure Warning

Not Available

Land Departure Prevention

Not Available

Blind Spot Detection

Optional

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