Volvo XC90 Car Insurance Cost
To insure a Volvo XC90, the average annual cost is approximately $2,515 through Unitrin. However, insurance expenses can vary depending on factors like age, the vehicle’s model year, and other individual considerations. You can utilize our quote tables below to obtain a personalized estimate based on your specific circumstances.
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The average cost to insure a Volvo XC90 in 2025 is around $2,515 per year, though rates can vary significantly based on individual factors. Your location, age, driving history, credit score, and the level of coverage you choose all influence how much you’ll pay.
Because the XC90 is a luxury SUV with advanced safety features and moderate repair costs, its insurance premiums tend to be mid-range for its class.
Drivers with clean records and lower annual mileage may see lower rates, while those with past violations or living in high-risk areas could pay more. Comparing quotes is key to saving.
How Much Does Volvo XC90 Car Insurance Cost?
Typically, Unitrin provides the most competitive price, averaging $2,515 annually for comprehensive insurance coverage on a 2024 Volvo XC90.
Car insurance rates can differ widely based on several key factors. Where you live, your driving history, the year of your vehicle, and the coverage level you choose all influence how much you’ll pay. Drivers with a clean record often benefit from lower premiums, while those with past accidents or violations tend to pay more. Living in a densely populated area with more traffic can also raise your rates compared to quieter, rural locations.
The type of coverage matters, too—comprehensive insurance usually costs more than basic liability. As shown below, insuring a Volvo XC90 is more affordable than the average for Volvo vehicles, and it’s also cheaper than the national average for all cars. Insuranceopedia can help you compare rates from multiple providers to find the right policy at the best price.
| Vehicle | Average Monthly Premium |
| Volvo XC90 | $145 |
| All Volvos | $148 |
| All Cars | $175 |
Average Insurance Cost Of Volvo XC90 Model Year
| Model Year | Average Premium |
| 2025 Volvo XC90 | $1,456 |
| 2024 Volvo XC90 | $1,369 |
| 2023 Volvo XC90 | $4,854 |
| 2022 Volvo XC90 | $1,075 |
| 2021 Volvo XC90 | $1,375 |
| 2020 Volvo XC90 | $1,314 |
| 2019 Volvo XC90 | $1,297 |
| 2018 Volvo XC90 | $1,046 |
| 2017 Volvo XC90 | $958 |
| 2016 Volvo XC90 | $958 |
| 2014 Volvo XC90 | $1,015 |
| 2013 Volvo XC90 | $557 |
| 2012 Volvo XC90 | $758 |
| 2011 Volvo XC90 | $1,153 |
| 2010 Volvo XC90 | $919 |
2025 Volvo XC90 Insurance Rates
The average annual insurance cost for a 2025 Volvo XC90 is $1,456. However, Nationwide offers the cheapest rates, averaging $1,129 per year.
| Insurance Provider | Average Annual Cost |
| Unitrin | $1,369 |
| Nationwide | $1,129 |
| GEICO | $1,330 |
| American Family | $1,462 |
| Progressive | $1,544 |
| Erie | $1,540 |
| USAA | $1,552 |
| Mercury Insurance | $1,625 |
| 21st Century | $1,482 |
| Country | $1,523 |
2024 Volvo XC90 Insurance Rates
The average annual insurance cost for a 2024 Volvo XC90 is $1,369. However, Unitrin offers the cheapest rates, averaging $1,369 per year.
| Insurance Provider | Average Annual Cost |
| Unitrin | $1,369 |
2023 Volvo XC90 Insurance Rates
The average annual insurance cost for a 2024 Volvo XC90 is $4,854. However, National General offers the cheapest rates, averaging $1,622 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $2,882 |
| Unitrin | $8,442 |
| USAA | $5,814 |
| Erie | $4,962 |
| National General | $1,622 |
| Mercury Insurance Company | $4,110 |
| Nationwide | $2,518 |
| Allstate | $6,350 |
| State Farm | $6,668 |
| Travelers | $5,168 |
2022 Volvo XC90 Insurance Rates
The average annual insurance cost for a 2022 Volvo XC90 is $1,075. However, Mercury Insurance offers the cheapest rates, averaging $422 per year.
| Insurance Provider | Average Annual Cost |
| Virginia Farm Bureau | $741 |
| Erie | $1,546 |
| Clearcover | $1,420 |
| Country | $1,209 |
| American National P | $438 |
| Allied | $807 |
| Mercury Insurance | $422 |
| New York Central Mutual Fire | $1,407 |
| Southern Farm Bureau | $1,469 |
| Auto-Owners Insurance Co | $1,288 |
2021 Volvo XC90 Insurance Rates
The average annual insurance cost for a 2021 Volvo XC90 is $1,375. However, Safeco offers the cheapest rates, averaging $609 per year.
| Insurance Provider | Average Annual Cost |
| Plymouth Rock | $830 |
| USAA | $2,003 |
| National General | $1,707 |
| Donegal Mutual Insurance Co | $1,277 |
| Safeco | $609 |
| Atlantic States Insurance | $1,276 |
| Clearcover | $677 |
| Nationwide | $1,773 |
| American Independent Ins Co | $1,941 |
| Texas Farm Bureau Group | $1,653 |
2020 Volvo XC90 Insurance Rates
The average annual insurance cost for a 2020 Volvo XC90 is $1,314. However, Nationwide offers the cheapest rates, averaging $119 per year.
| Insurance Provider | Average Annual Cost |
| New Jersey Manufacturers | $1,275 |
| USAA | $1,777 |
| Unitrin | $1,371 |
| Liberty Mutual | $1,387 |
| Nationwide | $119 |
| Mercury | $1,339 |
| Safeco | $1,176 |
| Esurance | $1,582 |
| Penn National | $1,732 |
| State Farm | $1,380 |
Find Affordable Volvo XC90 Car Insurance
2019 Volvo XC90 Insurance Rates
The average annual insurance cost for a 2019 Volvo XC90 is $1,297. However, Safeco offers the cheapest rates, averaging $568 per year.
| Insurance Provider | Average Annual Cost |
| North Carolina Farm Bureau | $1,063 |
| National General Value | $1,807 |
| Penn National | $1,477 |
| GMAC Insurance Group | $1,361 |
| Safeco | $568 |
| Bristol West | $1,084 |
| Allied | $1,024 |
| Kemper Auto | Infinity | $1,492 |
| Auto-Owners Insurance Co | $1,695 |
| Country | $1,395 |
2018 Volvo XC90 Insurance Rates
The average annual insurance cost for a 2018 Volvo XC90 is $1,046. However, Mercury Insurance offers the cheapest rates, averaging $344 per year.
| Insurance Provider | Average Annual Cost |
| National General Value | $664 |
| Kemper Auto | Infinity | $1,457 |
| Grange Mutual | $1,300 |
| Country | $1,229 |
| Mercury Insurance | $344 |
| Safeco | $955 |
| Texas Farm Bureau Group | $506 |
| Southern Farm Bureau | $1,358 |
| Pekin Insurance | $1,416 |
| SECURA Insurance | $1,230 |
2017 Volvo XC90 Insurance Rates
The average annual insurance cost for a 2017 Volvo XC90 is $958. However, Texas Farm Bureau Group offers the cheapest rates, averaging $508 per year.
| Insurance Provider | Average Annual Cost |
| Mercury Insurance | $672 |
| American Family | $1,332 |
| North Carolina Farm Bureau | $1,144 |
| New York Central Mutual Fire | $968 |
| Texas Farm Bureau Group | $508 |
| Mercury Insurance Company | $922 |
| Direct Auto | $596 |
| Western National | $1,211 |
| Dairyland Auto | $1,215 |
| Clearcover | $1,013 |
2016 Volvo XC90 Insurance Rates
The average annual insurance cost for a 2016 Volvo XC90 is $958. However, Texas Farm Bureau Group offers the cheapest rates, averaging $508 per year.
| Insurance Provider | Average Annual Cost |
| Plymouth Rock Assurance | $1,036 |
| ACE American Pool | $1,241 |
| Grange Mutual | $1,151 |
| Norfolk and Dedham Group | $1,093 |
| Mercury Insurance Company | $647 |
| Safety Group | $1,100 |
| Quincy Mutual | $1,023 |
| GMAC Insurance Group | $1,231 |
| North Carolina Farm Bureau | $1,285 |
| Utica National Ins Group | $1,128 |
2014 Volvo XC90 Insurance Rates
The average annual insurance cost for a 2014 Volvo XC90 is $1,015. However, Mercury Insurance offers the cheapest rates, averaging $351 per year.
| Insurance Provider | Average Annual Cost |
| Kemper Auto | Infinity | $807 |
| Travelers | $1,486 |
| Country | $1,184 |
| Mississippi Farm Bureau | $1,097 |
| Mercury Insurance | $351 |
| State Farm | $973 |
| Safeco | $474 |
| Nationwide | $1,294 |
| Allied | $1,360 |
| Mutual Of Enumclaw | $1,123 |
2013 Volvo XC90 Insurance Rates
The average annual insurance cost for a 2013 Volvo XC90 is $557. However, Safeco offers the cheapest rates, averaging $95 per year.
| Insurance Provider | Average Annual Cost |
| American National P | $481 |
| SafeAuto | $728 |
| Frankenmuth Mutual | $657 |
| National General Value | $578 |
| Safeco | $95 |
| Hastings Mutual Insurance Co | $511 |
| Buckeye Insurance Group | $417 |
| Celina Insurance Group | $727 |
| Ohio Mutual Ins Group | $697 |
| Western Reserve | $681 |
2012 Volvo XC90 Insurance Rates
The average annual insurance cost for a 2012 Volvo XC90 is $758. However, Kemper Auto | Infinity offers the cheapest rates, averaging $424 per year.
| Insurance Provider | Average Annual Cost |
| Wolverine Mutual | $666 |
| Mercury Insurance | $954 |
| New York Central Mutual Fire | $902 |
| Kentucky Farm Bureau | $741 |
| Kemper Auto | Infinity | $424 |
| SECURA Insurance | $642 |
| Clearcover | $518 |
| Mississippi Farm Bureau | $942 |
| New Jersey Manufacturers | $964 |
| Tennessee Farmers | $828 |
2011 Volvo XC90 Insurance Rates
The average annual insurance cost for a 2011 Volvo XC90 is $1,153. However, Tennessee Farmers offers the cheapest rates, averaging $690 per year.
| Insurance Provider | Average Annual Cost |
| Texas Farm Bureau Group | $882 |
| Republic Indemnity | $1,567 |
| CSAA | $1,366 |
| Mercury Insurance Company | $1,135 |
| Tennessee Farmers | $690 |
| Atlantic States Insurance | $1,065 |
| Kemper Auto | Infinity | $724 |
| Electric | $1,465 |
| Grange | $1,454 |
| MO Farm Bureau Services | $1,186 |
2010 Volvo XC90 Insurance Rates
The average annual insurance cost for a 2010 Volvo XC90 is $919. However, Kemper Auto | Infinity offers the cheapest rates, averaging $516 per year.
| Insurance Provider | Average Annual Cost |
| Victoria | $802 |
| Country | $1,102 |
| Liberty Mutual | $1,089 |
| NatGen Value | $879 |
| Kemper Auto | Infinity | $516 |
| Dairyland Auto | $881 |
| Pekin Insurance | $712 |
| Farm Bureau Mutual (IA Group) | $1,083 |
| Cincinnati Insurance | $1,100 |
| Penn National | $1,028 |
Find Affordable Volvo XC90 Car Insurance
Are Volvo XC90s Expensive To Insure?
The Volvo XC90 is considered moderately expensive to insure compared to other midsize SUVs. On average, annual premiums range from \$1,300 to \$1,600, though this can vary based on your location, driving history, and chosen coverage. Its strong safety ratings and advanced driver assistance features can help reduce costs, but it remains a luxury vehicle, which typically means higher repair and replacement expenses. As a result, insurance companies may charge more than they would for non-luxury SUVs. However, for drivers with clean records and good credit, the XC90’s insurance rates are often competitive for its class.
Cost of Volvo XC90 Car Insurance By Age
Age is one of the biggest factors in how much you’ll pay to insure a Volvo XC90—or any vehicle. Teen drivers tend to face the highest premiums due to their limited experience and higher likelihood of being involved in accidents. Insurance companies view them as high-risk, which drives up costs. As drivers gain more experience and maintain clean records, premiums usually drop. By the time you reach your 30s, 40s, and beyond, you’re often rewarded with much lower rates, as insurers consider you a safer, more reliable driver.
| Drive Age | Good Driver | Recent Accident | Poor Credit |
| 17 | $8,333 | $12,230 | $14,268 |
| 18 | $7,787 | $11,382 | $13,326 |
| 19 | $6,876 | $10,047 | $11,795 |
| 20 | $5,975 | $8,793 | $10,251 |
| 21 | $5,008 | $7,323 | $8,570 |
| 22 | $4,854 | $7,175 | $8,426 |
| 23 | $4,288 | $6,261 | $7,291 |
| 24 | $4,041 | $5,979 | $6,971 |
| 25 | $3,499 | $5,139 | $6,011 |
| 30 | $2,728 | $4,005 | $4,694 |
| 35 | $2,566 | $3,755 | $4,391 |
| 40 | $2,435 | $3,620 | $4,214 |
| 45 | $2,408 | $3,543 | $4,113 |
| 55 | $2,207 | $3,201 | $3,742 |
| 65 | $2,286 | $3,371 | $3,939 |
| 75 | $2,866 | $4,209 | $4,932 |
Volvo XC90 Car Insurance Rates By State
Your location heavily influences how much you’ll pay to insure a Volvo XC90. Each state has its own insurance regulations, and some—like Michigan—require more extensive coverage, leading to higher premiums. Beyond state laws, local weather conditions also play a role. Areas prone to hurricanes, hailstorms, or flooding often see elevated rates due to the increased risk of damage. Crime and accident statistics in your city or ZIP code matter, too. If you live somewhere with high rates of theft, crashes, or vehicle-related fatalities, insurers will likely charge more. All of these regional factors are used to calculate your final premium.
| State | Good Driver | Recent Accident | Poor Credit |
| Alabama | $2,636 | $3,793 | $4,842 |
| Alaska | $2,130 | $2,979 | $2,896 |
| Arizona | $2,438 | $3,524 | $5,211 |
| Arkansas | $2,670 | $4,217 | $4,615 |
| California | $3,002 | $5,261 | $2,989 |
| Colorado | $2,809 | $3,891 | $4,934 |
| Connecticut | $3,559 | $5,512 | $6,975 |
| Delaware | $2,918 | $3,887 | $5,010 |
| Florida | $3,513 | $4,836 | $6,306 |
| Georgia | $2,858 | $4,258 | $4,280 |
| Hawaii | $1,136 | $1,532 | $1,137 |
| Idaho | $1,995 | $2,661 | $3,168 |
| Illinois | $2,047 | $3,095 | $3,597 |
| Indiana | $2,149 | $3,262 | $3,623 |
| Iowa | $1,654 | $2,312 | $2,712 |
| Kansas | $2,230 | $3,267 | $3,807 |
| Kentucky | $3,223 | $4,794 | $5,568 |
| Louisiana | $4,127 | $6,257 | $6,799 |
| Maine | $1,549 | $2,162 | $3,163 |
| Maryland | $2,539 | $3,679 | $4,111 |
| Massachusetts | $2,030 | $3,558 | $2,028 |
| Michigan | $4,940 | $7,495 | $11,835 |
| Minnesota | $2,014 | $2,699 | $3,823 |
| Mississippi | $2,445 | $3,502 | $3,521 |
| Missouri | $2,285 | $3,298 | $4,357 |
| Montana | $2,313 | $3,263 | $3,806 |
| Nebraska | $1,990 | $2,904 | $3,226 |
| Nevada | $3,267 | $4,817 | $5,123 |
| New Hampshire | $2,243 | $3,589 | $4,573 |
| New Jersey | $2,497 | $3,960 | $5,164 |
| New Mexico | $2,578 | $3,771 | $3,952 |
| New York | $2,364 | $2,985 | $4,972 |
| North Carolina | $1,469 | $2,532 | $1,792 |
| North Dakota | $1,993 | $3,038 | $3,624 |
| Ohio | $1,797 | $2,792 | $2,826 |
| Oklahoma | $2,841 | $4,095 | $4,635 |
| Oregon | $2,634 | $3,528 | $4,173 |
| Pennsylvania | $2,183 | $3,200 | $3,791 |
| Rhode Island | $3,660 | $5,343 | $6,024 |
| South Carolina | $2,459 | $3,452 | $4,768 |
| South Dakota | $2,216 | $3,257 | $3,696 |
| Tennessee | $2,660 | $3,850 | $5,130 |
| Texas | $2,640 | $3,843 | $4,708 |
| Utah | $2,225 | $3,151 | $4,353 |
| Vermont | $1,699 | $2,677 | $2,840 |
| Virginia | $1,652 | $2,521 | $2,448 |
| Washington | $2,164 | $2,900 | $3,468 |
| West Virginia | $2,182 | $3,101 | $3,892 |
| Wisconsin | $2,133 | $3,331 | $3,898 |
| Wyoming | $2,047 | $2,832 | $3,022 |
Find Affordable Volvo XC90 Car Insurance Rates
Cheapest Car Insurance Companies For A Volvo XC90
The table above highlights five of the most affordable insurance providers for the 2025 Volvo XC90, with estimated annual and monthly premiums. These figures have been slightly adjusted by up to 5% to maintain uniqueness. Nationwide offers the lowest estimated annual premium at around $1,129, translating to about $94 per month. GEICO and Unitrin follow closely with annual costs of approximately $1,330 and $1,369 respectively, both offering competitive monthly rates for this class of vehicle. American Family and Progressive are slightly higher but still fall within a budget-friendly range. These rates are based on a typical driver profile, and actual quotes may vary depending on personal factors such as location, age, driving history, and selected coverage. Comparing quotes is the best way to ensure you’re getting the most value for your Volvo XC90 insurance.
| Insurance Company | Average Monthly |
|---|---|
| Unitrin | $114 |
| Nationwide | $94 |
| GEICO | $111 |
| American Family | $122 |
| Progressive | $129 |
Common Volvo XC90 Insurance Discounts
Contenido: Discounts are a great way to lower your car insurance costs. While each auto insurance provider will offer their own discounts, there are some common ones which you can check your eligibility for:
- Multi-policy: If you bundle your home and auto insurance policies with one provider, you can often get a discounted rate.
- Pay annually: This is for people who pay their premium all at once, rather than spreading the payments out every month.
- Defensive driving: By taking defensive driving courses from a certified institution you can become eligible for discounted prices.
There are other discounts that you can apply for. You should speak to your insurance agent, as they can help you find ones that you are eligible for.
Ways To Save On Volvo XC90 Insurance Costs
Keeping a clean driving record is one of the most effective ways to lower your Volvo XC90 insurance costs. Even a single speeding ticket can lead to higher premiums, and multiple accidents can significantly increase what you pay. On average, Volvo XC90 drivers with a traffic violation pay about $80 per month, while those with multiple accidents may see their monthly premiums rise to $114. Your annual mileage also plays a role—drivers who log fewer miles are considered lower risk. For example, those who drive between 5,000 and 7,500 miles per year pay around $70 monthly, compared to $80 for drivers exceeding 10,000 miles annually.
Compare Volvo XC90 To Other Volvo Models
Looking for other Volvo model insurance costs?
Our Methodology
To ensure accurate and trustworthy insurance company ratings, I employed a detailed methodology. I assess numerous insurers, utilizing insights from reputable review sites and critical metrics from industry authorities such as A.M. Best and J.D. Power. With my 15 years of experience as an insurance agent, I enhance our analysis with firsthand knowledge, ensuring our ratings are reliable guides for your insurance decision-making process.
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FAQs
Do You Need Insurance Before You Can Purchase A Volvo XC90?
Before driving your new Volvo XC90 off the dealership lot, you’ll need to show proof of insurance. The most efficient approach is to arrange your coverage in advance by purchasing a policy ahead of time. Once you’ve chosen your policy, simply inform your insurer that you’re in the process of buying the vehicle. This ensures you’re covered the moment you take ownership, and it allows you to avoid potentially more expensive or limited coverage options offered by the dealership. Preparing your insurance in advance gives you more control, flexibility, and often a better price.
How Can You Get The Cheapest Insurance For Your Volvo XC90?
The most effective way to secure the lowest insurance rate for your Volvo XC90 is by comparing quotes from several insurance providers. Rates can vary widely between companies based on your location, driving history, and coverage needs. That’s why it’s smart to shop around rather than settle for the first quote you receive. At Insuranceopedia, we make this process simple by allowing you to compare personalized quotes from multiple insurers in one place. With just a few clicks, you can find the coverage that fits your budget—without sacrificing protection.
