How to Find Cheap Volvo XC90 Insurance Quotes

Volvo XC90 insurance rates cost $127 per month ($1,518 per year) on average. On average, Volvo XC90 comprehensive insurance coverage costs $370, collision coverage costs $540, and liability coverage costs $428. Rates are more expensive for teenagers at $5,548 a year or $462 each month. Good drivers can save up to $626 a year on these costs by earning discounts on their policy.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Oct 30, 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 are $127 per month for full, but liability-only coverage costs $51 per month. High-risk drivers could pay up to $462 per month. Continue reading to learn how you can save money on Volvo XC90 insurance rates.

You can start comparing quotes for Volvo XC90 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 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 Mitsubishi Outlander, Buick Enclave, and Chevrolet Traverse.

Vehicle Comprehensive Collision Liability Total
Volvo XC90 $362 $626 $372 $1,518
Mitsubishi Outlander $306 $542 $332 $1,316
Buick Enclave $348 $594 $372 $1,472
Chevrolet Traverse $336 $470 $316 $1,258
Mitsubishi Outlander Sport $280 $512 $332 $1,260
Toyota 4Runner $332 $512 $332 $1,312
Chevrolet Suburban $336 $532 $372 $1,398
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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 auto insurance coverage.

Age of the Vehicle

Older Volvo XC90 models generally cost less to insure. For example, auto 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 Volvo XC90 auto insurance rates. For example, 20-year-old drivers pay approximately $1,856 more each year for their Volvo XC90 auto insurance than 30-year-old drivers.

Driver Location

Where you live can have a large impact on Volvo XC90 insurance rates. For example, drivers in New York may pay $394 a year more than drivers in Chicago.

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 rates with violations on their driving record.

Volvo XC90 Safety Ratings

Your Volvo XC90 insurance rates are influenced by the safety ratings of the Volvo XC90. 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 the cost of your Volvo XC90 auto insurance. 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

The numerous safety features of the Volvo XC90 help contribute to lower insurance rates. 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 insurance rates from the best companies using our FREE tool below.

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5 Ways to Save on Volvo XC90 Insurance

If you want to reduce the cost of your Volvo XC90 insurance rates, follow these tips below:

  • Check Your Volvo XC90 Policy Carefully to Ensure All Information is Correct
  • Watch Your Insurer Closely When Your Volvo XC90 Needs Repairs
  • Make Sure You’re Raising a Safe Driver
  • Make Sure You Use an Accredited Driver Safety Program
  • Purchase a Roadside Assistance Program for Your Volvo XC90

Top Volvo XC90 Insurance Companies

Several top auto insurance companies offer competitive rates for the Volvo XC90 rates based on factors like discounts for safety features. Take a look at this list of top auto insurance companies that are popular with Volvo XC90 drivers organized by 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 insurance rates from some of the best auto insurance companies by using our free online tool now.

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