Volvo XC90 Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• A Volvo XC90 costs less than most other SUVs to insure.
• Liability auto insurance for a XC90 comes in at around $79 a month, while full coverage normally tends to be about $143.
• Hugo provides the lowest average premiums for a XC90 with liability only coverage offered for as little as $33 per month.

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XC90 Overview

The Volvo XC90 is a great mid-level SUV for drivers of all types, with 2021 models coming in with a base MSRP of $49,000. There are nine different trim levels currently offered, so you'll be sure to find an option to fit your style.

After analyzing thousands of car insurance quotes through Compare.com, we've found that Volvo XC90 insurance prices run around $147 a month, on average. But how does that stack up to other similar vehicles out there on the market?

How Much is Car Insurance for a Volvo XC90?

If you look at the table above, you'll find that when you compare the Volvo XC90 to other vehicles, insurance rates are more affordable than average. On average, XC90 drivers will pay about $143 per month for full coverage, which has comprehensive and collision coverages in addition to liability, and about $79 monthly for liability only insurance (discover more about the difference with our guide "State Minimum vs. Full Coverage").

Compared to other models, the XC90 is on par with the other vehicle types offered by Volvo. But compared to other vehicles of a similar body style, XC90 coverage is below average, with both full coverage and liability only insurance averaging less expensive premiums than other SUVs.

When compared to all vehicles, regardless of make, body style, or model, the XC90 follows a similar pattern of having below average auto insurance rates.

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Who has the Cheapest Car Insurance for a Volvo XC90?

In the market for an auto insurance policy for your Volvo XC90? You're probably wondering which carrier offers the lowest rates. While premiums can differ pretty significantly depending on your driver profile, the cheapest average rates for liability only insurance are as low as just $23 a month from Ohio Mutual. The next most affordable company is Shelter Mutual, who offers car insurance as little as just $30 per month.

Mile Auto, Hugo, and Encompass round out the rest of the top 5 list. However, just because these five companies offer the cheapest average rates doesn't necessarily mean they'll give you the best rates for your Volvo XC90.

After all, your results might be different, since insurance carriers look at a bunch of different factors when calculating rates. The only way to guarantee you find the lowest rates is to compare quotes from a wide array of auto insurance companies.

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What Factors Affect Car Insurance Rates for a Volvo XC90?

There are a variety of variables that car insurance carriers examine to calculate how much to charge you -- and every carrier weighs certain variables more than others, so there's not a singular company that's the cheapest for each driver.

Below are just a few of the things auto insurance companies look at and how each one affects your final rate:

Vehicle Age

The Volvo XC90 has been around for a while, so vehicle age will likely make a difference in what you end up paying for insurance. Normally, newer cars are going to cost more to insure because they're worth more, however, as time goes on and XC90s begin to depreciate, insurance costs will gradually get lower.

As you can see in the information above, the Volvo XC90 is inline with this trend, as the most expensive models to insure are those that are 1 year old or less, while the cheapest models are XC90s that are 6 to 7 years old, on average.

Your Age

How old you are makes a significant difference in how much you pay for car insurance. In the table above, you'll see that drivers who have more experience on the road have lower prices than young XC90 drivers. Volvo XC90 drivers who are 18 to 24 actually pay $46 more than those 25 or older.

Car insurance prices continue to decrease as you get older, with the cheapest age group being 55-64 for XC90 drivers.

Your Gender

Because women are less likely to get into collisions and get speeding tickets, they have a decreased chance of filing a claim with insurance. So, insurance carriers will tend to charge women less than men. The Volvo XC90 is no different, and men pay around 8% more than women monthly for insurance.

Where You Live

You may think it's obvious that variables such as what vehicle you drive and how old you are play a role in your auto insurance rates, but you may not realize that where you live can be just as important. Because insurance is regulated on the state level rather than nationally, premiums can shift quite a bit from state to state.

For example, the average Volvo XC90 owner from New York pays about $195 a month for liability coverage, while the same Californian driver will pay less than 50% of that price, on average. The chart above shows average prices for the 10 largest states by population, just to give you a good idea of how much rates can change between states.

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Volvo XC90 Car Insurance Discounts

Whatever how old you are, what vehicle you drive, or what state you live in, it's always the smart move to take advantage of as many auto insurance discounts as possible when shopping around for a policy.

Even though all car insurance companies offer their own unique discounts, there are a few different ones that you'll find with most carriers. These include discounts like:

• Multi-policy discounts for using the same insurance carrier for both your home and car insurance
• Vehicle safety discounts for having a vehicle with certain safety features (like anti-lock brakes or air bags) or one with higher safety ratings
• Pay-in-full discounts for agreeing to pay your entire policy price up front, rather than in monthly installments
• Multi-car discounts for having more than one vehicle on your auto policy

These discounts are great, but sometimes, it's actually your insurance profile and driving record that get you the best rates.

You obviously can't control every single aspect of your auto insurance profile (like some of the pieces we mentioned above), but there is quite a bit that you do have control over. Below are just a few of the things you can use in your favor when it comes to saving money:

Your Driving Record

You've almost certainly seen ads from car insurance companies promoting hefty discounts for safe drivers. And you probably wouldn't be surprised that your insurance prices will go higher if you get into a collision or get tickets for speeding. But how much will they cost you?

If you look at the table above, you'll see that accidents will usually cost XC90 drivers more than tickets, but both will result in higher than average rates. Volvo XC90 drivers with one accident on their record pay about $104 each month (up $25 from the $79/mo. overall average), while drivers with a single ticket will pay an average of $81 monthly. The rates only get higher the more tickets you get or accidents you have.

How Much You Drive

How much you drive plays a big role when it comes to your auto insurance premiums. Those who are on the roads less are less likely to get tickets, so they'll generally end up spending less on car insurance. In the table above, you can see that Volvo XC90 owners who drive fewer than 2,500 miles every year pay about $64 per month for insurance, while those who put 10,000 miles or more on their cars pay $77.

If you happen to be one of those drivers who put very few miles on your Volvo XC90 each year, you might consider a usage-based or pay-per-mile auto insurance policy. With these kinds of plans, you pay a small monthly amount, and your final monthly bill is calculated based on how many miles you drove.

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How Do Volvo XC90s Compare to Other Vehicles?

If you're considering making a Volvo XC90 your next vehicle, it can pay off to do your research. Insurance is just one cost that's associated with a new car purchase, but it's definitely one that's worth thinking about carefully.

Take a look at the table below to see how the Volvo XC90 stacks up:

Overall, the Volvo XC90 has an MSRP that's in line with the going rate for a new vehicle. The XC90 retails at $49,000, similar to the national average vehicle MSRP of $46,296.

But while the purchase price runs about average, insurance prices are higher when compared to the rest of the vehicle market. Full coverage insurance for a Volvo XC90 is around $240 per month more than average, while liability only coverage is monthly.

When it comes to usage, Volvo XC90 drivers are pretty close to the national average in annual miles driven, with 10,709 miles per year compared to 11,617 for all vehicles.

Volvo XC90 Car Insurance Costs by Model Year

We've gone over many of the factors that can have an impact on how much the average driver pays to insure a Volvo XC90. But if you're considering buying a new vehicle and the XC90 is one you're thinking about, knowing what you can expect to pay can be extremely helpful as you weigh your options and compare it to other vehicles on your shortlist.

Choose Your Model

2021 Volvo XC90 Car Insurance 2020 Volvo XC90 Car Insurance 2019 Volvo XC90 Car Insurance 2018 Volvo XC90 Car Insurance 2017 Volvo XC90 Car Insurance 2016 Volvo XC90 Car Insurance 2014 Volvo XC90 Car Insurance 2013 Volvo XC90 Car Insurance 2012 Volvo XC90 Car Insurance 2011 Volvo XC90 Car Insurance 2010 Volvo XC90 Car Insurance

2021 Volvo XC90 Car Insurance

2021 XC90 drivers can expect to pay an average of $229 per month for liability or $409 for full coverage.

With rates sometimes as low as $29 a month, Mercury offered the most affordable policy we found.

Want to know just how much you'll pay? Get a variety of free personalized quotes by just entering your ZIP code below.

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2020 Volvo XC90 Car Insurance

It costs about $76 monthly for liability or $161 for a full coverage policy for the 2020 Volvo XC90.

Shelter Mutual has prices as low as $25 per month for the 2020 Volvo XC90.

If you're looking for a more exact figure on what you should pay for insurance for a 2020 Volvo XC90, you can get free quotes in minutes by just entering your ZIP code below.

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2019 Volvo XC90 Car Insurance

On average, drivers who own a 2019 XC90 can expect to pay $81 to $149 a month for liability only and full coverage car insurance, respectively.

Mile Auto offered the lowest policy we found, with rates sometimes as cheap as $31 per month.

If you want to know exactly how much you can expect to pay for your XC90, get free quotes in minutes by just entering your ZIP code below.

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2018 Volvo XC90 Car Insurance

You can expect full coverage for a 2018 Volvo XC90 to run around $152 monthly, while liability only coverage will average about $49 a month.

Looking for the most affordable policy? Clearcover offered liability only coverage for as cheap as $23 per month.

What will your auto insurance premium be? Get lots of customized quotes for free by just entering your ZIP code below.

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2017 Volvo XC90 Car Insurance

The average cost to insure a 2017 XC90 with liability only coverage is $82 monthly, while full coverage runs around $165 a month.

We found Clearcover offered the cheapest policy, with rates sometimes as little as $28 per month.

If you want to find the best premiums for insurance for a 2017 Volvo XC90, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

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2016 Volvo XC90 Car Insurance

It costs about $55 a month for liability or $154 for a full coverage policy for the 2016 Volvo XC90.

If you're looking for the cheapest possible 2016 Volvo XC90 insurance policy, Ohio Mutual offered the most affordable policy we found, with rates as cheap as just $23 monthly.

If you want to know exactly how much you can expect to pay for your XC90, just enter your ZIP code below and get several free quotes in minutes.

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2014 Volvo XC90 Car Insurance

The average cost to insure a 2014 XC90 with liability only coverage is $77 per month, while full coverage runs around $118 monthly.

With rates sometimes as low as $62 a month, Foremost offered the cheapest policy we found for the 2014 Volvo XC90.

Want to figure out exactly what you'll be asked to pay? Just enter your ZIP code below to get multiple free personalized quotes.

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2013 Volvo XC90 Car Insurance

On average, drivers who own a 2013 Volvo XC90 can expect to pay $49 to $106 monthly for liability only and full coverage car insurance, respectively.

Amica offered the lowest policy we found, with rates as cheap as just $26 a month.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get free quotes in minutes.

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2012 Volvo XC90 Car Insurance

You can expect full coverage for a 2012 XC90 to run about $140 per month, while liability only coverage will average around $109 a month.

With premiums as little as just $28 per month, Shelter Mutual offered the most affordable policy we found.

If you want to know exactly how much you can expect to pay for your XC90, just enter your ZIP code below and get free quotes in minutes.

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2011 Volvo XC90 Car Insurance

2011 Volvo XC90 drivers can expect to pay an average of $84 monthly for liability or $136 for full coverage.

Infinity has prices as low as just $24 a month for the 2011 Volvo XC90.

Want to know exactly what your auto insurance rate will be? Just enter your ZIP code below to get several free customized quotes.

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2010 Volvo XC90 Car Insurance

You can expect full coverage for a 2010 XC90 to run about $184 per month, while liability only coverage will average around $81 monthly.

We found Clearcover offered the cheapest policy, with rates as cheap as $19 a month.

If you want to find the best rates for car insurance for a 2010 Volvo XC90, enter your ZIP code below and compare a range of personalized quotes in just a few minutes.

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Volvo XC90 Insurance FAQs

Is a Volvo XC90 expensive to insure?

Liability insurance runs an average of $79 monthly, while full coverage will cost you around $143. It costs less to insure a Volvo XC90 when compared to the average SUV.

How can I get the best price on car insurance for my Volvo XC90?

There's only one way to make sure you're getting the lowest rates -- checking prices regularly and comparing quotes from a lot of carriers. A good rule of thumb is to get quotes every 6 months or so. Luckily, sites like Compare.com let you compare premiums from lots of companies at once, meaning you can find the cheapest rates (or guarantee you already have the best deal) in just a few minutes.

Does the color of my Volvo XC90 affect my insurance prices?

You might have heard the old adage that red cars cost more to insure than cars of other colors, but that's actually not the case. There are a bunch of things insurance carriers use when they offer you a premium, but your XC90's color is not one of them.

Do I need to have insurance before I buy a Volvo XC90?

Before you can legally drive your new (or new to you) car off the dealership lot, you'll need to have a valid auto insurance policy. Some dealerships will offer you one during the purchase process, but the easiest thing to do is to let your car insurance carrier know beforehand.

What car insurance discounts can I get for my Volvo XC90?

You will find all sorts of discounts out there when it comes to insurance. Many of them (like "multi-vehicle discounts" and "safe driver discounts") are based less on your Volvo XC90 and more on you, but if your XC90 has safety features like anti-lock brakes, airbags, anti-theft systems, and other features, it may be eligible for certain discounts. To find out which discounts you may receive, reach out to your insurance company and ask about which discounts they offer.