Buy Cheap Volvo XC90 Auto Insurance in 2024
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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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Nov 27, 2023
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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 |
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 |
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 | |
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 | ||||
|---|---|---|---|---|
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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