Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jun 22, 2020

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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

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
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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?

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
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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
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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
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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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Enter your ZIP code below to view companies that have cheap auto insurance rates.

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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
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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.