Compare Volvo XC90 Insurance Quotes [Everything You Need to Know]

Average Volvo XC90 insurance rates cost $1,518 a year, or around $127 a month. Finding Volvo XC90 teenager insurance rates can cost on average $5,548 a year, so shop around to find cheap coverage.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 26, 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

The average Volvo XC90 car insurance rates cost drivers $1,518 a year, or around $127 a month. If you want to find affordable Volvo XC90 rates, all you have to do is know where to look. We’ve compiled this comprehensive guide so you can use it as a reference while comparing Volvo XC90 insurance rates from different companies.

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 auto insurance costs 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 Lincoln Navigator, Toyota Land Cruiser, and Mercedes-Benz GLA 250.

Vehicle Comprehensive Collision Liability Total
Volvo XC90 $362 $626 $372 $1,518
Lincoln Navigator $356 $686 $398 $1,598
Toyota Land Cruiser $420 $774 $398 $1,750
Mercedes-Benz GLA 250 $370 $714 $450 $1,714
Dodge Durango $348 $562 $372 $1,440
GMC Terrain $322 $562 $316 $1,336
Lexus RX 350 $358 $660 $440 $1,638
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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 will affect the total price you will pay for Volvo XC90 insurance coverage.

Age of the Vehicle

The average Volvo XC90 auto insurance rates are higher for newer models. For example, auto insurance for a 2020 Volvo XC90 costs $1,518, while 2010 Volvo XC90 insurance costs 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 the cost of Volvo XC90 car insurance. For example, a 20-year-old driver could pay around $155 more each month for their Volvo XC90 car insurance than a 30-year-old driver.

Driver Location

Where you live can have a large impact on Volvo XC90 insurance rates. For example, drivers in Los Angeles may pay $1,306 a year more than drivers in Indianapolis.

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 car insurance with violations on their driving record.

Volvo XC90 Safety Ratings

Your Volvo XC90 auto insurance rates are tied to 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 will affect your Volvo XC90 car 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 Volvo XC90 safety features can help lower insurance costs. According to AutoBlog, the 2020 Volvo XC90 has the following safety features:

  • 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 auto insurance companies using our FREE tool below.

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Ways to Save on Volvo XC90 Insurance

Although it may seem like your Volvo XC90 car insurance rates are set, there are a few measures that you can take to secure the best Volvo XC90 car insurance rates possible. Take a look at the following five ways to save on Volvo XC90 auto insurance.

  • Ask Your Insurance Company About Volvo XC90 Discounts
  • Park Your Volvo XC90 Somewhere Safe – like a Garage or Private Driveway
  • Tell Your Insurer How You Use Your Volvo XC90
  • Add a More Experienced Driver to Your Volvo XC90 Policy
  • Reduce Your Coverage on an Older Volvo XC90

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 car insurance rates from some of the best car insurance companies by using our free online tool now.

Free Car Insurance Comparison

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

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