Gianetta Palmer is a writer, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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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 also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jun 17, 2021

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Looking for a new or used Volvo V90 Cross Country? And wondering how much it costs to insure by year? We researched average annual insurance costs for each model year and have compiled the results for you below.

Volvo V90 Cross Country insurance facts

  • Average full coverage auto insurance premium: $195/month

  • Most affordable companies: USAA ($105/month) & Liberty Mutual ($113/month)

  • V90 Cross Country car insurance cost vs. average rate: $82 more expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your Volvo V90 Cross Country by model year and auto insurer.

Free Auto Insurance Comparison

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

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Below average Volvo V90 Cross Country insurer costs by state:

Risk factors affecting V90 Cross Country rates

The make and model of your vehicle, along with the year of manufacture, are the three most important factors in determining your car’s value, which in turn is the main factor in determining your insurance premium. Your own personal driving history, age, marital status, credit scoretype of vehicle, coverage levels, and other personal factors are also important components of your rate.

How to save money on Volvo V90 Cross Country coverage?

Many driver discounts are available to people through most major auto insurers, such as

  • Student discounts

  • Safe drivers

  • Senior discounts

With all Volvo models, you can get the following discounts:

  • Passive restraint systems

  • Anti-lock brakes

  • Anti-theft devices

Volvo Luxury Automobile Brand

Volvo is a Swedish luxury automobile brand partially owned by a Chinese company in the United States market. Volvo’s target market is families typically with children in the higher-end price vehicle market. All of Volvo’s automobiles have high safety ratings, with 11 of their vehicles getting “Top Safety Pick” and 5-star ratings from the National Highway Traffic Safety Administration (NHTSA). The S60, XC60, and the XC90 are their most popular vehicles.

Higher than average V90 Cross Country repair costs equal higher coverage rates

Volvo’s are considered a niche vehicle in the United States market. Many consumers are attracted to the Volvo for its style and driver-assist technologies, like Volvo’s Pilot Assist. Automotive parts are not as common as popular vehicles, like the Toyota or Honda. Repairing a Volvo is higher than average since repair parts are more expensive and not as available as popular vehicles. For this reason, many Volvo’s are going to have higher than average insurance rates to similar vehicles in its class.

Rapid depreciation for V90 Cross Country’s affecting auto policies

Another factor to consider for Volvo’s, is they depreciate rapidly, affecting coverage rates. As your vehicle’s value goes down each year, your auto policy could go down at each renewal. On the other hand, in an auto accident, you need repair parts that rarely go down in price for all Volvo models. This could put you in a difficult situation position since many insurance companies will subtract depreciation from the amount paid for your claim resulting in a situation where your claim payout doesn’t fully cover your repair cost.

High IIHS and NHTSA safety ratings lower coverage rates for drivers

Volvo’s are known for their safety ratings, safety features, and driver-assist technologies (semiautonomous driving), lowering coverage rates for drivers with a good driving record, sometimes getting 20% driver discounts for passive restraints and safety features in Volvo models. The V60, S90, and V90 are Insurance Institute for Highway Safety (IIHS) “Top Safety Picks,” and the NHTSA consistently gives Volvo top safety ratings each year, lowering your insurance costs.

AutoInsureSavings.org insurance agents recommend comprehensive and collision coverage and uninsured motorist coverage for new Volvo automobile owners. 

2021 Volvo V90 Cross Country

Cheapest Insurance CompaniesAverage Annual Cost
Allied$2734
Allstate$2416
American Family$1547
Amica$2816
Auto-Owners$2453
Direct Auto$2249
Erie$1690
Farmers$2016
GEICO$1824
Liberty Mutual$1354
Mercury$2376
MetLife$2648
Nationwide$1855
Progressive$1452
Safe Auto$2577
State Farm$1967
Tennessee Farmers$2297
Travelers$2146
USAA$1269

Compare all 2021 Volvo V90 Cross Country rates

Average Cost to Insure Per Year

$2347

List Price

$54900

Trims Available

T5 - T6 - T6 Volvo Ocean Race - Base engine: 2.0-liter turbocharged four-cylinder with 250 horsepower and 258 pound-feet of torque (T5) - - Geartronic 8-spd w/OD Transmission - with Safety Features - with Volvo IntelliSafe Safety - Oncoming Lane Mitigation, Run-off Road Mitigation, Lane Keeping Aid, Airbags, BLIS (Blind Spot Information) with steer assist, Rear Collision Warning, Cross Traffic Alert with autobrake, Pilot Assist, Adaptive Cruise Control, Semi-autonomous

2020 Volvo V90 Cross Country

Cheapest Insurance CompaniesAverage Annual Cost
Allstate$2008
American Family$1342
Auto-Owners$2142
Erie$1359
Farmers$1684
GEICO$1569
Mercury$1896
MetLife$2647
Nationwide$1600
Progressive$1216
Safe Auto$2276
State Farm$1638
Tennessee Farmers$1854
Travelers$1723
USAA$1140
Vermont Mutual$2398

Compare all 2020 Volvo V90 Cross Country rates

Average Cost to Insure Per Year

$2243

List Price

$54550

Trims Available

T5 - T6 - T6 Volvo Ocean Race - Base engine: 2.0-liter turbocharged four-cylinder with 250 horsepower and 258 pound-feet of torque (T5) - - Geartronic 8-spd w/OD Transmission - with Safety Features - with Volvo IntelliSafe Safety - Oncoming Lane Mitigation, Run-off Road Mitigation, Lane Keeping Aid, Airbags, BLIS (Blind Spot Information) with steer assist, Rear Collision Warning, Cross Traffic Alert with autobrake, Pilot Assist, Adaptive Cruise Control, Semi-autonomous

2019 Volvo V90 Cross Country

Cheapest Insurance CompaniesAverage Annual Cost
Allstate$1960
American Family$1290
Auto-Owners$2043
Direct Auto$1890
Erie$1338
Farmers$1590
GEICO$1495
Liberty Mutual$1245
MetLife$2348
Nationwide$1526
Progressive$1190
Safe Auto$2204
State Farm$1530
Tennessee Farmers$1736
Travelers$1652
USAA$1123
Vermont Mutual$2239

Compare all 2019 Volvo V90 Cross Country rates

Average Cost to Insure Per Year

$2068

List Price

$52450

Trims Available

T5 - T6 - T6 Volvo Ocean Race - Base engine: 2.0-liter turbocharged four-cylinder with 250 horsepower and 258 pound-feet of torque (T5) - - Geartronic 8-spd w/OD Transmission - with Safety Features - with Volvo IntelliSafe Safety - Oncoming Lane Mitigation, Run-off Road Mitigation, Lane Keeping Aid, Airbags, BLIS (Blind Spot Information) with steer assist, Rear Collision Warning, Cross Traffic Alert with autobrake, Pilot Assist, Adaptive Cruise Control, Semi-autonomous

2018 Volvo V90 Cross Country

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1637
Acuity$ 1637
Allied$ 1012
Allied$ 1012
Country$ 1875
Country$ 1875
Erie$ 1381
Erie$ 1381
Mercury$ 1433
Mercury$ 1433
Nationwide$ 1268
Nationwide$ 1268
Plymouth Rock Insurance$ 1630
Plymouth Rock Insurance$ 1630
Progressive$ 1528
Progressive$ 1528
State Farm$ 1795
State Farm$ 1795
Tennessee Farmers$ 1494
Tennessee Farmers$ 1494
USAA$ 1653
USAA$ 1653
Vermont Mutual$ 1762
Vermont Mutual$ 1762

Compare all 2018 Volvo V90 Cross Country rates

Average Cost to Insure Per Year

$ 1925

List Price

$ 52300

Trims Available

T5 - T6 - T6 Volvo Ocean Race

2017 Volvo V90 Cross Country

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1669
Acuity$ 1669
Allied$ 1029
Allied$ 1029
Erie$ 1268
Erie$ 1268
Mercury$ 1584
Mercury$ 1584
Nationwide$ 1459
Nationwide$ 1459
Plymouth Rock Insurance$ 1577
Plymouth Rock Insurance$ 1577
Progressive$ 1482
Progressive$ 1482
State Farm$ 1789
State Farm$ 1789
Tennessee Farmers$ 1054
Tennessee Farmers$ 1054
Texas Farm Bureau$ 1119
Texas Farm Bureau$ 1119
USAA$ 1655
USAA$ 1655
Vermont Mutual$ 1760
Vermont Mutual$ 1760

Compare all 2017 Volvo V90 Cross Country rates

Average Cost to Insure Per Year

$ 1478

List Price

$ 55300

Trims Available

T6