Insurance premiums for a Volvo XC90 average $207 monthly for full coverage and $107 for minimum coverage. Your trim and model year determine where you'll fall within the $38 to $405 monthly range.
Volvo XC90 Insurance Cost
Updated: May 18, 2026
Key Takeaways
GEICO offers the most affordable rates on average for Volvo XC90 owners, though full coverage costs vary widely by model year and insurer. You'll pay around $207 monthly for comprehensive protection. Read more.
The XC90 ranks 158th out of 256 SUVs for insurance affordability, placing it in the middle tier among SUVs. SUVs still tend to carry higher premiums than other vehicle types due to increased repair costs and accident damage potential. Read more.
Your XC90's model year makes a real difference in insurance rates, especially if you're adding a teen driver to your policy. Get the most accurate quotes by comparing costs tailored to your situation. Read MoneyGeek's analysis of rates by company for specific XC90 model years depending on the age of the drivers.
How Much Is Volvo XC90 Insurance?
| Volvo Xc90 | $107 | $207 |
Your XC90's insurance costs vary by model year, ranging from $53 monthly for older vehicles to $318 for the newest models. Like most cars, newer XC90s cost more to insure because they carry a higher fair market value.
Insurance costs for a Volvo XC90 depend on model year and company. Full coverage goes from $158 monthly with GEICO to $377 with AIG, while minimum coverage spans $73 with GEICO to $185 with UAIC.
Volvo XC90 owners should shop among insurers since minimum coverage varies by $112 and full coverage by $219. Each company calculates risk differently for the XC90, which changes your final quote.
| AAA | $129 | $267 |
| AIG | $154 | $377 |
| Allstate | $141 | $272 |
| Amica | $136 | $278 |
| Chubb | $131 | $260 |
| Farmers | $156 | $272 |
| Geico | $73 | $158 |
| Kemper | $120 | $247 |
| Nationwide | $116 | $201 |
| Progressive | $91 | $169 |
| State Farm | $103 | $215 |
| The Hartford | $123 | $210 |
| Travelers | $92 | $169 |
| UAIC | $185 | $231 |
Is Volvo XC90 Expensive to Insure?
SUVs are expensive to insure, and MoneyGeek's analysis of 256 SUVs shows the Volvo XC90 ranking 158th for affordability. That puts it near the middle, costing a few dollars more per month than a Genesis GV60 and a few dollars less than a Volvo XC40. To gauge whether it's expensive to insure, compare it to similar vehicles in this category.
The XC90 ranks 555th out of 827 total cars in MoneyGeek's database, placing it among the pricier models overall. For context, the cheapest SUV to insure is an Isuzu Amigo, while the most expensive is an Audi SQ8 e-tron.
| Cadillac Escalade | $156 | 155 |
| Buick Envision | $156 | 156 |
| Genesis GV60 | $156 | 157 |
| Volvo XC90 | $157 | 158 |
| Volvo XC40 | $157 | 159 |
| VinFast VF-8 | $158 | 160 |
| Hyundai Palisade | $158 | 161 |
Several factors affect what you'll pay for Volvo XC90 insurance:
- Average repair or replacement costs: The Volvo XC90's $1,223 annual repair costs make it the most affordable Volvo model to maintain. This lower maintenance expense compared to other luxury SUVs helps keep insurance premiums in check.
- Vehicle trim, features and accessories: Horsepower ranges from 250 to 400 depending on the trim, which affects your premiums. Higher-performance variants with more powerful engines cost notably more to insure, as greater performance capabilities lead to higher rates.
- Driver profile: Most Volvo XC90 drivers fall between ages 40 and 55, and higher income levels may help secure lower insurance rates. The SUV's performance reputation can also attract risk-taking behaviors that concern insurers. Read more about the costs of Volvo XC90s for young drivers.
Volvo XC90 Costs by Model Year and Driver Age by Insurance Company
A 2025 Volvo XC90 costs $361 monthly to insure for drivers aged 35 to 55, while a 2003 model runs just $123 for the same age group. Newer models cost more to insure because they carry higher market values and pricier repair costs. Teen and young adult drivers will pay higher rates across all model years given their limited driving history.
GEICO offers the lowest rates across all XC90 model years and could save drivers hundreds monthly compared to average costs. Shopping among insurers gives you the best opportunity to reduce your Volvo XC90 insurance expenses.
Recent model years:
Older models (2016 to 2020):
Cost of Car Insurance for 2025 Volvo XC90
| Geico | $140 | $306 |
| National General | $240 | $491 |
| The Hartford | $244 | $416 |
| State Farm | $257 | $537 |
| Kemper | $258 | $513 |
| Travelers | $284 | $532 |
| AAA | $309 | $641 |
| Allstate | $313 | $617 |
| Progressive | $321 | $603 |
| Nationwide | $360 | $624 |
| Amica | $362 | $742 |
| UAIC | $375 | $475 |
| Farmers | $394 | $700 |
| AIG | $422 | $1,089 |
| Chubb | $443 | $885 |
2025 Volvo XC90 Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $1,248 | $1,097 | $971 | $839 | $741 | $629 | $572 | $510 | $467 | $411 |
| Geico | $1,342 | $980 | $822 | $596 | $514 | $415 | $382 | $316 | $299 | $272 |
| Nationwide | $1,396 | $1,278 | $1,176 | $999 | $844 | $548 | $508 | $474 | $448 | $401 |
| Travelers | $1,568 | $1,125 | $888 | $683 | $603 | $440 | $402 | $371 | $343 | $296 |
| Progressive | $1,759 | $1,419 | $1,177 | $655 | $572 | $462 | $412 | $368 | $339 | $291 |
| Allstate | $2,005 | $1,569 | $1,261 | $928 | $831 | $648 | $587 | $554 | $522 | $462 |
| Farmers | $2,633 | $1,957 | $1,744 | $1,107 | $1,048 | $803 | $711 | $683 | $647 | $543 |
Cost of Car Insurance for 2024 Volvo XC90
| Geico | $131 | $287 |
| National General | $224 | $460 |
| The Hartford | $228 | $390 |
| State Farm | $241 | $503 |
| Kemper | $241 | $480 |
| Travelers | $266 | $498 |
| AAA | $289 | $600 |
| Allstate | $293 | $577 |
| Progressive | $300 | $564 |
| Nationwide | $337 | $584 |
| Amica | $338 | $695 |
| UAIC | $351 | $445 |
| Farmers | $369 | $655 |
| AIG | $395 | $1,019 |
| Chubb | $414 | $828 |
2024 Volvo XC90 Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $1,208 | $1,063 | $940 | $812 | $717 | $609 | $553 | $494 | $452 | $398 |
| Geico | $1,299 | $949 | $796 | $578 | $497 | $402 | $370 | $306 | $290 | $263 |
| Nationwide | $1,352 | $1,238 | $1,139 | $967 | $817 | $530 | $492 | $459 | $434 | $388 |
| Travelers | $1,519 | $1,089 | $860 | $662 | $584 | $426 | $389 | $359 | $332 | $287 |
| Progressive | $1,704 | $1,374 | $1,139 | $634 | $554 | $448 | $399 | $356 | $328 | $282 |
| Allstate | $1,942 | $1,519 | $1,222 | $899 | $805 | $627 | $569 | $537 | $505 | $447 |
| Farmers | $2,550 | $1,895 | $1,689 | $1,072 | $1,015 | $778 | $689 | $661 | $627 | $526 |
Cost of Car Insurance for 2023 Volvo XC90
| Geico | $130 | $283 |
| National General | $222 | $454 |
| The Hartford | $226 | $385 |
| State Farm | $238 | $497 |
| Kemper | $238 | $475 |
| Travelers | $263 | $492 |
| AAA | $286 | $594 |
| Allstate | $289 | $571 |
| Progressive | $297 | $558 |
| Nationwide | $333 | $577 |
| Amica | $335 | $687 |
| UAIC | $347 | $440 |
| Farmers | $364 | $648 |
| AIG | $391 | $1,007 |
| Chubb | $410 | $818 |
2023 Volvo XC90 Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $862 | $758 | $671 | $580 | $512 | $435 | $395 | $353 | $323 | $284 |
| Geico | $927 | $677 | $568 | $412 | $355 | $287 | $264 | $219 | $207 | $188 |
| Nationwide | $964 | $883 | $813 | $690 | $583 | $378 | $351 | $327 | $309 | $277 |
| Travelers | $1,084 | $777 | $613 | $472 | $417 | $304 | $278 | $256 | $237 | $205 |
| Progressive | $1,216 | $981 | $813 | $452 | $395 | $320 | $285 | $254 | $234 | $201 |
| Allstate | $1,385 | $1,084 | $872 | $641 | $574 | $448 | $406 | $383 | $361 | $319 |
| Farmers | $1,820 | $1,352 | $1,205 | $765 | $724 | $555 | $491 | $472 | $447 | $375 |
Cost of Car Insurance for 2022 Volvo XC90
| Geico | $109 | $239 |
| National General | $187 | $383 |
| The Hartford | $190 | $325 |
| State Farm | $201 | $419 |
| Kemper | $201 | $400 |
| Travelers | $221 | $415 |
| AAA | $241 | $500 |
| Allstate | $244 | $481 |
| Progressive | $250 | $470 |
| Nationwide | $281 | $486 |
| Amica | $282 | $579 |
| UAIC | $292 | $371 |
| Farmers | $307 | $546 |
| AIG | $330 | $849 |
| Chubb | $345 | $690 |
2022 Volvo XC90 Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $795 | $699 | $618 | $534 | $472 | $400 | $364 | $325 | $297 | $262 |
| Geico | $854 | $624 | $524 | $380 | $327 | $264 | $243 | $201 | $191 | $173 |
| Nationwide | $889 | $814 | $749 | $636 | $537 | $349 | $323 | $302 | $285 | $255 |
| Travelers | $999 | $716 | $565 | $435 | $384 | $280 | $256 | $236 | $218 | $189 |
| Progressive | $1,121 | $904 | $749 | $417 | $364 | $294 | $263 | $234 | $216 | $185 |
| Allstate | $1,277 | $999 | $803 | $591 | $529 | $413 | $374 | $353 | $332 | $294 |
| Farmers | $1,677 | $1,246 | $1,111 | $705 | $667 | $512 | $453 | $435 | $412 | $346 |
Cost of Car Insurance for 2021 Volvo XC90
| Geico | $90 | $196 |
| National General | $154 | $315 |
| The Hartford | $157 | $267 |
| State Farm | $165 | $345 |
| Kemper | $165 | $329 |
| Travelers | $182 | $341 |
| AAA | $198 | $411 |
| Allstate | $201 | $396 |
| Progressive | $206 | $387 |
| Nationwide | $231 | $400 |
| Amica | $232 | $476 |
| UAIC | $240 | $305 |
| Farmers | $253 | $449 |
| AIG | $271 | $698 |
| Chubb | $284 | $567 |
2021 Volvo XC90 Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $636 | $559 | $494 | $427 | $377 | $320 | $291 | $260 | $238 | $209 |
| Geico | $684 | $499 | $419 | $304 | $262 | $211 | $195 | $161 | $152 | $138 |
| Nationwide | $711 | $651 | $599 | $509 | $430 | $279 | $259 | $241 | $228 | $204 |
| Travelers | $799 | $573 | $452 | $348 | $307 | $224 | $205 | $189 | $175 | $151 |
| Progressive | $896 | $723 | $599 | $333 | $291 | $236 | $210 | $188 | $173 | $148 |
| Allstate | $1,022 | $799 | $643 | $473 | $423 | $330 | $299 | $282 | $266 | $235 |
| Farmers | $1,342 | $997 | $889 | $564 | $534 | $409 | $362 | $348 | $330 | $277 |
Cost of Car Insurance for 2020 Volvo XC90
| Geico | $73 | $160 |
| National General | $125 | $256 |
| The Hartford | $127 | $217 |
| State Farm | $134 | $280 |
| Kemper | $134 | $268 |
| Travelers | $148 | $277 |
| AAA | $161 | $335 |
| Allstate | $163 | $322 |
| Progressive | $167 | $315 |
| Nationwide | $188 | $325 |
| Amica | $189 | $387 |
| UAIC | $195 | $248 |
| Farmers | $205 | $365 |
| AIG | $220 | $568 |
| Chubb | $231 | $461 |
2020 Volvo XC90 Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $564 | $496 | $439 | $379 | $335 | $284 | $259 | $231 | $211 | $186 |
| Geico | $607 | $443 | $372 | $270 | $232 | $188 | $173 | $143 | $135 | $123 |
| Nationwide | $631 | $578 | $532 | $452 | $382 | $248 | $230 | $214 | $203 | $181 |
| Travelers | $709 | $509 | $402 | $309 | $273 | $199 | $182 | $168 | $155 | $134 |
| Progressive | $796 | $642 | $532 | $296 | $259 | $209 | $186 | $167 | $153 | $132 |
| Allstate | $907 | $710 | $571 | $420 | $376 | $293 | $266 | $251 | $236 | $209 |
| Farmers | $1,191 | $885 | $789 | $501 | $474 | $363 | $322 | $309 | $293 | $246 |
Cost of Car Insurance for 2019 Volvo XC90
| Geico | $60 | $132 |
| National General | $103 | $212 |
| The Hartford | $105 | $179 |
| State Farm | $111 | $232 |
| Kemper | $111 | $221 |
| Travelers | $122 | $229 |
| AAA | $133 | $277 |
| Allstate | $135 | $266 |
| Progressive | $138 | $260 |
| Nationwide | $155 | $269 |
| Amica | $156 | $320 |
| UAIC | $162 | $205 |
| Farmers | $170 | $302 |
| AIG | $182 | $469 |
| Chubb | $191 | $381 |
2019 Volvo XC90 Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $1,016 | $894 | $790 | $683 | $603 | $512 | $465 | $416 | $380 | $335 |
| Geico | $1,106 | $807 | $677 | $491 | $423 | $342 | $315 | $261 | $247 | $224 |
| Nationwide | $1,155 | $1,054 | $972 | $824 | $697 | $451 | $419 | $390 | $369 | $330 |
| Travelers | $1,183 | $839 | $661 | $506 | $447 | $322 | $294 | $271 | $250 | $216 |
| Progressive | $1,566 | $1,261 | $1,044 | $583 | $510 | $412 | $367 | $328 | $301 | $259 |
| Allstate | $1,618 | $1,266 | $1,017 | $748 | $670 | $522 | $474 | $447 | $421 | $373 |
| Farmers | $2,027 | $1,509 | $1,345 | $851 | $805 | $615 | $546 | $523 | $497 | $418 |
Cost of Car Insurance for 2018 Volvo XC90
| Geico | $61 | $133 |
| National General | $75 | $154 |
| Travelers | $85 | $157 |
| State Farm | $88 | $182 |
| Progressive | $95 | $179 |
| Kemper | $101 | $206 |
| Nationwide | $101 | $175 |
| The Hartford | $104 | $177 |
| AAA | $110 | $228 |
| Amica | $116 | $239 |
| Allstate | $122 | $235 |
| Chubb | $131 | $260 |
| AIG | $136 | $342 |
| UAIC | $139 | $174 |
| Farmers | $149 | $265 |
2018 Volvo XC90 Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $1,165 | $1,025 | $907 | $783 | $692 | $588 | $534 | $477 | $436 | $384 |
| Nationwide | $1,228 | $1,120 | $1,032 | $876 | $741 | $480 | $445 | $415 | $393 | $352 |
| Geico | $1,252 | $914 | $767 | $556 | $479 | $387 | $356 | $296 | $280 | $254 |
| Travelers | $1,429 | $1,028 | $811 | $625 | $551 | $406 | $370 | $342 | $316 | $273 |
| Progressive | $1,640 | $1,319 | $1,093 | $607 | $530 | $430 | $383 | $342 | $314 | $270 |
| Allstate | $1,810 | $1,418 | $1,138 | $834 | $748 | $585 | $530 | $500 | $470 | $416 |
| Farmers | $2,231 | $1,661 | $1,480 | $937 | $886 | $677 | $601 | $576 | $547 | $459 |
Cost of Car Insurance for 2017 Volvo XC90
| Geico | $58 | $126 |
| National General | $72 | $148 |
| Travelers | $82 | $152 |
| State Farm | $85 | $177 |
| Progressive | $91 | $171 |
| Nationwide | $98 | $170 |
| Kemper | $99 | $201 |
| The Hartford | $102 | $173 |
| AAA | $104 | $216 |
| Amica | $112 | $229 |
| Allstate | $116 | $225 |
| Chubb | $128 | $255 |
| AIG | $132 | $333 |
| UAIC | $136 | $170 |
| Farmers | $140 | $248 |
2017 Volvo XC90 Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $922 | $811 | $718 | $620 | $548 | $465 | $423 | $377 | $345 | $304 |
| Nationwide | $972 | $887 | $817 | $694 | $587 | $380 | $352 | $329 | $311 | $278 |
| Geico | $991 | $723 | $607 | $440 | $379 | $306 | $282 | $234 | $221 | $201 |
| Travelers | $1,131 | $814 | $642 | $495 | $436 | $321 | $293 | $270 | $250 | $216 |
| Progressive | $1,298 | $1,044 | $865 | $481 | $420 | $340 | $303 | $270 | $249 | $213 |
| Allstate | $1,432 | $1,123 | $901 | $661 | $592 | $463 | $419 | $396 | $372 | $330 |
| Farmers | $1,766 | $1,315 | $1,172 | $742 | $701 | $536 | $475 | $456 | $433 | $364 |
Cost of Car Insurance for 2016 Volvo XC90
| Geico | $118 | $256 |
| National General | $121 | $247 |
| State Farm | $170 | $353 |
| Kemper | $178 | $356 |
| Travelers | $180 | $331 |
| The Hartford | $184 | $313 |
| Amica | $187 | $383 |
| AAA | $188 | $389 |
| Allstate | $202 | $389 |
| Chubb | $210 | $412 |
| Progressive | $212 | $398 |
| AIG | $230 | $565 |
| Farmers | $247 | $437 |
| Nationwide | $260 | $448 |
| UAIC | $273 | $339 |
2016 Volvo XC90 Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $745 | $656 | $580 | $501 | $442 | $376 | $342 | $305 | $279 | $246 |
| Nationwide | $786 | $717 | $660 | $561 | $474 | $307 | $285 | $266 | $251 | $225 |
| Geico | $801 | $584 | $491 | $356 | $307 | $247 | $228 | $189 | $179 | $163 |
| Travelers | $914 | $657 | $519 | $400 | $352 | $259 | $237 | $219 | $202 | $175 |
| Progressive | $1,049 | $844 | $699 | $388 | $339 | $275 | $245 | $219 | $201 | $172 |
| Allstate | $1,157 | $907 | $728 | $534 | $478 | $374 | $339 | $320 | $301 | $266 |
| Farmers | $1,427 | $1,062 | $947 | $599 | $567 | $433 | $384 | $368 | $350 | $294 |
Volvo XC90 Insurance Cost by Trim
Insurance costs for your Volvo XC90 vary widely by trim, from $405 monthly for full coverage on high-performance T8 Excellence Sport Utility 4D variants to $38 for minimum coverage on basic 3.2 R-Design Premier Plus Sport Utility 4D models. Performance features and market value determine where each trim falls in this range.
| 3.2 R-Design Premier Plus Sport Utility 4d | $38 | $74 |
| 3.2 Premier Plus Sport Utility 4d | $44 | $85 |
| 3.2 Platinum Sport Utility 4d | $53 | $102 |
| 3.2 R-Design Sport Utility 4d | $57 | $111 |
| 3.2 R-Design Platinum Sport Utility 4d | $59 | $114 |
| 3.2 Sport Utility 4d | $62 | $120 |
| T6 Sport Utility 4d | $63 | $121 |
| 2.5t Sport Utility 4d | $70 | $135 |
| V8 R-Design Sport Utility 4d | $78 | $151 |
| V8 Sport Utility 4d | $78 | $151 |
| T5 Momentum Sport Utility 4d | $84 | $163 |
| T6 Momentum Sport Utility 4d | $92 | $179 |
| T5 Inscription Sport Utility 4d | $93 | $180 |
| T8 Inscription Expression Recharge Plug-In Hybrid Sport Utility 4d | $93 | $181 |
| T8 Inscription Recharge Plug-In Hybrid Sport Utility 4d | $94 | $182 |
| V8 Sport Suv 4d | $94 | $182 |
| B5 Core Sport Utility 4d | $96 | $186 |
| T5 R-Design Sport Utility 4d | $98 | $190 |
| T6 Inscription Sport Utility 4d | $98 | $190 |
| T8 R-Design Recharge Plug-In Hybrid Sport Utility 4d | $98 | $191 |
| T6 R-Design Sport Utility 4d | $100 | $194 |
| B5 Plus Bright Theme Sport Utility 4d | $101 | $196 |
| B6 Core Sport Utility 4d | $104 | $202 |
| T8 Inscription Expression Recharge Extended Range Plug-In Hybrid Sport Utility 4d | $104 | $202 |
| T6 First Edition Sport Utility 4d | $105 | $204 |
| B6 Plus Bright Theme Sport Utility 4d | $110 | $213 |
| B6 Ultimate Bright Theme Sport Utility 4d | $110 | $214 |
| T8 Inscription Sport Utility 4d | $114 | $221 |
| T8 Recharge Core Plug-In Hybrid Sport Utility 4d | $117 | $228 |
| T8 Recharge Plus Dark Theme Plug-In Hybrid Sport Utility 4d | $119 | $232 |
| T8 Recharge Plus Bright Theme Plug-In Hybrid Sport Utility 4d | $120 | $233 |
| T8 Momentum Sport Utility 4d | $121 | $234 |
| V8 Ocean Race Ed Sport Utility 4d | $122 | $235 |
| T8 R-Design Recharge Extended Range Plug-In Hybrid Sport Utility 4d | $122 | $238 |
| T8 Inscription Recharge Extended Range Plug-In Hybrid Sport Utility 4d | $125 | $243 |
| T8 Recharge Ultimate Dark Theme Plug-In Hybrid Sport Utility 4d | $127 | $247 |
| T8 Recharge Ultimate Bright Theme Plug-In Hybrid Sport Utility 4d | $128 | $249 |
| T8 R-Design Sport Utility 4d | $134 | $260 |
| B5 Core Bright Theme | $135 | $262 |
| B5 Core Bright Theme (2025.5) | $142 | $276 |
| B5 Plus Bright Theme | $143 | $278 |
| B6 Core Bright Theme | $145 | $282 |
| B5 Plus Bright Theme (2025.5) | $150 | $292 |
| B6 Plus Bright Theme | $152 | $295 |
| B6 Core Bright Theme (2025.5) | $154 | $300 |
| B5 Ultra Bright Theme | $157 | $305 |
| B6 Plus Bright Theme (2025.5) | $160 | $311 |
| B5 Ultra Bright Theme (2025.5) | $163 | $316 |
| B6 Ultimate Bright Theme | $163 | $317 |
| B6 Ultra Bright Theme | $167 | $324 |
| T8 Recharge Core Bright Theme | $171 | $333 |
| B6 Ultra Bright Theme (2025.5) | $173 | $336 |
| T8 Core Bright Theme | $173 | $337 |
| T8 Recharge Plus Bright Theme | $175 | $340 |
| T8 Plus Bright Theme | $177 | $344 |
| T8 Core Bright Theme (2025.5) | $180 | $350 |
| T8 Plus Bright Theme (2025.5) | $185 | $360 |
| T8 Recharge Ultimate Bright Theme | $189 | $367 |
| T8 Ultra Bright Theme | $190 | $370 |
| T8 Ultra Bright Theme (2025.5) | $196 | $380 |
| T8 Excellence Sport Utility 4d | $209 | $405 |
Volvo XC90 Insurance Cost by State
Car insurance for a Volvo XC90 costs anywhere from $42 per month in Wyoming to $209 in Louisiana for minimum coverage. Your state's risk factors and insurance regulations create these differences, not the vehicle you're driving.
| Alabama | $88 | $168 |
| Alaska | $76 | $161 |
| Arizona | $126 | $236 |
| Arkansas | $88 | $197 |
| California | $104 | $210 |
| Colorado | $103 | $247 |
| Connecticut | $147 | $253 |
| Delaware | $147 | $247 |
| Florida | $129 | $296 |
| Georgia | $151 | $249 |
| Hawaii | $55 | $124 |
| Idaho | $58 | $118 |
| Illinois | $98 | $184 |
| Indiana | $69 | $136 |
| Iowa | $62 | $150 |
| Kansas | $79 | $186 |
| Kentucky | $134 | $228 |
| Louisiana | $209 | $441 |
| Maine | $58 | $120 |
| Maryland | $157 | $266 |
| Massachusetts | $110 | $234 |
| Michigan | $169 | $327 |
| Minnesota | $90 | $188 |
| Mississippi | $96 | $191 |
| Missouri | $132 | $265 |
| Montana | $82 | $193 |
| Nebraska | $81 | $184 |
| Nevada | $181 | $327 |
| New Hampshire | $78 | $138 |
| New Jersey | $170 | $280 |
| New Mexico | $86 | $193 |
| New York | $127 | $230 |
| North Carolina | $90 | $177 |
| North Dakota | $69 | $151 |
| Ohio | $78 | $152 |
| Oklahoma | $97 | $215 |
| Oregon | $123 | $215 |
| Pennsylvania | $93 | $217 |
| Rhode Island | $134 | $240 |
| South Carolina | $112 | $208 |
| South Dakota | $60 | $186 |
| Tennessee | $83 | $170 |
| Texas | $129 | $266 |
| Utah | $116 | $199 |
| Vermont | $50 | $119 |
| Virginia | $100 | $163 |
| Washington | $95 | $176 |
| West Virginia | $94 | $193 |
| Wisconsin | $69 | $152 |
| Wyoming | $42 | $130 |
How to Lower the Cost of Volvo XC90 Insurance
These tips help you find better rates on your Volvo XC90 insurance:
- 1Choose the right coverage
You'll need to figure out how much coverage to buy for your Volvo XC90. If you own the vehicle outright, carry your state's minimum liability requirements plus comprehensive and collision coverage with a $1,000 deductible to keep premiums lower. Drivers who want more protection may prefer 100/300/100 liability limits with comprehensive and collision coverage at a $500 deductible. If you finance or lease your XC90, lenders usually require 100/300/100 liability limits, comprehensive and collision coverage with a $500 deductible and gap insurance.
- 2Research costs and cheap companies
Learn what you should pay by reviewing average auto insurance costs for luxury SUVs. That context helps when shopping for the cheapest car insurance companies offering competitive rates. With a national average in hand, you can spot genuine savings versus inflated quotes from insurers targeting premium vehicle owners.
- 3Look for more than just low rates
Choose a reliable car insurance company based on more than just quotes. J.D. Power satisfaction ratings, forum feedback about claims handling, Better Business Bureau complaints and AM Best financial strength ratings all paint a fuller picture of an insurer's quality. Budget insurers may offer limited coverage or slower service, which matters when you're dealing with expensive Volvo XC90 repairs.
- 4Ask about qualifying discounts
Many car insurance discounts apply to Volvo XC90 owners. Safety feature discounts for advanced driver assistance systems, good driver discounts, bundling savings when combining auto and home policies, and multi-vehicle discounts are all common options. These luxury SUV safety features can cut your premiums with most major insurers.
- 5Find alternative car insurance types
Volvo XC90 owners may benefit from usage-based insurance programs like Progressive Snapshot or Allstate Drivewise, which track safe driving habits and reward them with premium reductions. These telematics programs base rates on your actual driving behavior, and careful drivers of luxury vehicles can see real savings.
- 6Check rates every year
Get car insurance quotes from several companies annually. Your insurer won't notify you when competitors drop their prices, so yearly comparisons could save up to 24% on your Volvo XC90 insurance. Market conditions shift, and insurers adjust their pricing for luxury SUVs based on claims data and competitive positioning.
Volvo XC90 Insurance Cost: Bottom Line
Volvo XC90 insurance runs above average in cost, but you can still find competitive rates. Compare quotes from multiple insurers, claim available discounts and adjust your coverage choices to find better pricing.
Volvo XC90 Insurance Rates: FAQ
What is the average cost of car insurance for a Volvo XC90?
Volvo XC90 insurance costs $1,281 annually for minimum coverage and $2,485 yearly for full coverage, both below the national average for luxury SUVs.
What company has the cheapest car insurance for a Volvo XC90?
GEICO provides the most affordable auto insurance for a Volvo XC90 at $876 annually for minimum coverage. Full coverage seekers will also find GEICO offers the best rates at $1,896 per year.
Are Volvo XC90s expensive to insure?
No, Volvo XC90 insurance is not more expensive than most vehicles. Among SUVs, this model places 158th out of 256 for affordability, while ranking 555th out of 827 total vehicles we track.
What factors affect insurance costs for Volvo XC90s?
Multiple factors affect Volvo XC90 insurance premiums. Excellent safety ratings help reduce costs, but expensive luxury parts drive up repair expenses. Moderate theft rates influence insurer risk calculations. Your personal driving record, credit score and chosen coverage levels all affect your final premium rates.
How can I lower Volvo XC90 insurance costs?
Compare quotes from several insurers since Volvo XC90 pricing differs considerably between companies, and explore usage-based programs that monitor safe driving. Claim available discounts, bundle policies and keep your driving record clean to get better rates.
How We Determined Volvo XC90 Insurance Costs
We studied hundreds of millions of quote estimates across all U.S. models sold from 2000 to 2025 to determine the most accurate Volvo XC90 insurance costs.
Who We Based These Rates On
These Volvo XC90 prices reflect what a typical driver pays:
- Age 40, unmarried male
- Clean record: no tickets or crashes
- Credit score in a good range
- Has never made an insurance claim
- Puts about 12,000 miles on the odometer yearly
- Has a valid driver's license with no suspensions on record
Coverage Definitions
- Minimum coverage: State-required liability limits
- Full coverage: 100/300/100 liability + comprehensive/collision with $1,000 deductibles
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he produces original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data. No insurance company partnership influences his recommendations.
Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). His career began in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.