How Much is Insurance for a Volvo XC90? [Rates + Coverage Guide]
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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Written by
Leslie Kasperowicz
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Reviewed by
Daniel Walker
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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.
Table of Contents
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.