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 XC90? And wondering how much it costs to insure by year? We researched average annual car insurance costs for each model year and have compiled the results for you below.

Volvo XC90 car insurance facts

  • Average full coverage auto insurance premium: $177/month

  • Most affordable companies: Progressive ($118/month) & GEICO ($122/month)

  • XC90 car insurance cost vs. average rate: $39 more expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your Volvo XC90 by model year and car insurance company.

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 XC90 car insurance costs by state:

Risk factors affecting XC90 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 XC90 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 XC90 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 XC90’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 XC90

Cheapest Insurance CompaniesAverage Annual Cost
Allied$2619
Allstate$2248
American Family$1530
Amica$2716
Auto-Owners$2340
Direct Auto$2015
Erie$1556
Farmers$1865
GEICO$1435
Liberty Mutual$1621
Mercury$2169
MetLife$2539
Nationwide$1630
Progressive$1420
Safe Auto$2416
State Farm$1811
Tennessee Farmers$2036
Travelers$1967
USAA$1462

Compare all 2021 Volvo XC90 rates

Average Cost to Insure Per Year

$2130

List Price

$49000

Trims Available

Uber - T5 Momentum - T5 Momentum 5-Passenger - T5 Momentum 7-Passenger - T5 R-Design 7-Passenger - T5 R-Design - T5 R-Design 5-Passenger - T6 Momentum - T6 R-Design - T6 Inscription - T8 eAWD Momentum - T8 eAWD R-Design - T8 eAWD Inscription - T8 eAWD Excellence - 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 XC90

Cheapest Insurance CompaniesAverage Annual Cost
Allstate$2240
American Family$1518
Auto-Owners$2316
Erie$1550
Farmers$1860
GEICO$1419
Mercury$2134
MetLife$2560
Nationwide$1611
Progressive$1399
Safe Auto$2410
State Farm$1730
Tennessee Farmers$2033
Travelers$1960
USAA$1551
Vermont Mutual$2416

Compare all 2020 Volvo XC90 rates

Average Cost to Insure Per Year

$2046

List Price

$48350

Trims Available

Uber - T5 Momentum - T5 Momentum 5-Passenger - T5 Momentum 7-Passenger - T5 R-Design 7-Passenger - T5 R-Design - T5 R-Design 5-Passenger - T6 Momentum - T6 R-Design - T6 Inscription - T8 eAWD Momentum - T8 eAWD R-Design - T8 eAWD Inscription - T8 eAWD Excellence - 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 XC90

Cheapest Insurance CompaniesAverage Annual Cost
Allstate$2215
American Family$1500
Auto-Owners$2300
Direct Auto$2036
Erie$1526
Farmers$1824
GEICO$1380
Liberty Mutual$1423
MetLife$2519
Nationwide$1599
Progressive$1320
Safe Auto$2387
State Farm$1702
Tennessee Farmers$2004
Travelers$1920
USAA$1542
Vermont Mutual$2410

Compare all 2019 Volvo XC90 rates

Average Cost to Insure Per Year

$1935

List Price

$47700

Trims Available

Uber - T5 Momentum - T5 Momentum 5-Passenger - T5 Momentum 7-Passenger - T5 R-Design 7-Passenger - T5 R-Design - T5 R-Design 5-Passenger - T6 Momentum - T6 R-Design - T6 Inscription - T8 eAWD Momentum - T8 eAWD R-Design - T8 eAWD Inscription - T8 eAWD Excellence - 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 XC90

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1407
Acuity$ 1407
Allied$ 1121
Allied$ 1121
Erie$ 1150
Erie$ 1150
GEICO$ 1230
GEICO$ 1230
Mercury$ 1483
Mercury$ 1483
Nationwide$ 1184
Nationwide$ 1184
Plymouth Rock Insurance$ 1268
Plymouth Rock Insurance$ 1268
Progressive$ 854
Progressive$ 854
State Farm$ 1266
State Farm$ 1266
Tennessee Farmers$ 1351
Tennessee Farmers$ 1351
USAA$ 1377
USAA$ 1377
Vermont Mutual$ 1450
Vermont Mutual$ 1450

Compare all 2018 Volvo XC90 rates

Average Cost to Insure Per Year

$ 1405

List Price

$ 32000

Trims Available

Uber - T5 Momentum - T5 Momentum 5-Passenger - T5 Momentum 7-Passenger - T5 R-Design 7-Passenger - T5 R-Design - T5 R-Design 5-Passenger - T6 Momentum - T6 R-Design - T6 Inscription - T8 eAWD Momentum - T8 eAWD R-Design - T8 eAWD Inscription - T8 eAWD Excellence

2017 Volvo XC90

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1480
Acuity$ 1480
Allied$ 1303
Allied$ 1303
Erie$ 1217
Erie$ 1217
GEICO$ 1285
GEICO$ 1285
Mercury$ 1449
Mercury$ 1449
Nationwide$ 1304
Nationwide$ 1304
Plymouth Rock Insurance$ 1241
Plymouth Rock Insurance$ 1241
Progressive$ 878
Progressive$ 878
State Farm$ 1348
State Farm$ 1348
Tennessee Farmers$ 1224
Tennessee Farmers$ 1224
Texas Farm Bureau$ 1174
Texas Farm Bureau$ 1174
USAA$ 1369
USAA$ 1369

Compare all 2017 Volvo XC90 rates

Average Cost to Insure Per Year

$ 1432

List Price

$ 45750

Trims Available

T5 Momentum - T5 R-Design - T6 Momentum - T6 R-Design - T6 Inscription - T8 eAWD R-Design - T8 eAWD Inscription - T8 eAWD Excellence - T8 Plug-in Hybrid Excellence

2016 Volvo XC90

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1385
Acuity$ 1385
Allied$ 1234
Allied$ 1234
Erie$ 930
Erie$ 930
GEICO$ 819
GEICO$ 819
Nationwide$ 1127
Nationwide$ 1127
Plymouth Rock Insurance$ 1206
Plymouth Rock Insurance$ 1206
Progressive$ 777
Progressive$ 777
State Farm$ 1099
State Farm$ 1099
Tennessee Farmers$ 1251
Tennessee Farmers$ 1251
Texas Farm Bureau$ 1145
Texas Farm Bureau$ 1145
USAA$ 1107
USAA$ 1107
Vermont Mutual$ 1391
Vermont Mutual$ 1391

Compare all 2016 Volvo XC90 rates

Average Cost to Insure Per Year

$ 1184

List Price

$ 43950

Trims Available

T5 Momentum - T6 Momentum - T5 R-Design - T5 Inscription - T6 R-Design - T6 Inscription - T6 First Edition - T8 eAWD Momentum - T8 Momentum - T8 eAWD R-Design - T8 R-Design - T8 eAWD Inscription - T8 Inscription

2014 Volvo XC90

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 999
Acuity$ 999
Allied$ 1076
Allied$ 1076
Arbella$ 1080
Arbella$ 1080
Country$ 1064
Country$ 1064
Erie$ 725
Erie$ 725
GEICO$ 777
GEICO$ 777
Plymouth Rock Insurance$ 1125
Plymouth Rock Insurance$ 1125
Progressive$ 929
Progressive$ 929
Tennessee Farmers$ 907
Tennessee Farmers$ 907
Texas Farm Bureau$ 763
Texas Farm Bureau$ 763
USAA$ 1051
USAA$ 1051
Vermont Mutual$ 851
Vermont Mutual$ 851

Compare all 2014 Volvo XC90 rates

Average Cost to Insure Per Year

$ 1044

List Price

$ 39700

Trims Available

3.2 - 3.2 Premier Plus - 3.2 R-Design - 3.2 Platinum - 3.2 R-Design Platinum

2013 Volvo XC90

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 966
Acuity$ 966
American Family$ 1095
American Family$ 1095
Arbella$ 1001
Arbella$ 1001
Country$ 1029
Country$ 1029
Erie$ 654
Erie$ 654
GEICO$ 522
GEICO$ 522
Progressive$ 779
Progressive$ 779
State Farm$ 938
State Farm$ 938
Tennessee Farmers$ 864
Tennessee Farmers$ 864
Texas Farm Bureau$ 747
Texas Farm Bureau$ 747
USAA$ 862
USAA$ 862
Vermont Mutual$ 801
Vermont Mutual$ 801

Compare all 2013 Volvo XC90 rates

Average Cost to Insure Per Year

$ 933

List Price

$ 39500

Trims Available

3.2 - 3.2 Premier Plus - 3.2 R-Design - 3.2 R-Design Premier Plus - 3.2 Platinum - 3.2 R-Design Platinum

2012 Volvo XC90

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 925
Acuity$ 925
American Family$ 1059
American Family$ 1059
Arbella$ 1006
Arbella$ 1006
Country$ 1002
Country$ 1002
Erie$ 634
Erie$ 634
GEICO$ 510
GEICO$ 510
Progressive$ 713
Progressive$ 713
State Farm$ 894
State Farm$ 894
Tennessee Farmers$ 850
Tennessee Farmers$ 850
Texas Farm Bureau$ 732
Texas Farm Bureau$ 732
USAA$ 812
USAA$ 812
Vermont Mutual$ 765
Vermont Mutual$ 765

Compare all 2012 Volvo XC90 rates

Average Cost to Insure Per Year

$ 897

List Price

$ 38400

Trims Available

3.2 - 3.2 Premier Plus - 3.2 R-Design - 3.2 R-Design Premier Plus - 3.2 Platinum - 3.2 R-Design Platinum

2011 Volvo XC90

Cheapest Insurance CompaniesAverage Annual Cost
Allied$ 996
Allied$ 996
American Family$ 1066
American Family$ 1066
Arbella$ 935
Arbella$ 935
Country$ 1025
Country$ 1025
Erie$ 690
Erie$ 690
GEICO$ 763
GEICO$ 763
Plymouth Rock Insurance$ 1059
Plymouth Rock Insurance$ 1059
Progressive$ 879
Progressive$ 879
Tennessee Farmers$ 875
Tennessee Farmers$ 875
Texas Farm Bureau$ 747
Texas Farm Bureau$ 747
USAA$ 929
USAA$ 929
Vermont Mutual$ 774
Vermont Mutual$ 774

Compare all 2011 Volvo XC90 rates

Average Cost to Insure Per Year

$ 989

List Price

$ 38200

Trims Available

3.2 - 3.2 R-Design - V8