+120 moreUpdated
At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
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.
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?
| Current Base Price | $49,000 |
| Body Style(s) | SUV |
| Trim Levels | T8 RECHARGE INSCRIPTION, T6 INSCRIPTION, T8 RECHARGE MOMENTUM, T6 MOMENTUM, T5 R-DESIGN, T8 RECHARGE INSCRIPTION EXPRESS, T6 R-DESIGN, T5 MOMENTUM, T8 RECHARGE R-DESIGN |
| Average Insurance Premium | $147/mo. |
| Cheapest Insurance Company | Hugo |
Vehicle | Liability Only | Full Coverage |
|---|---|---|
| Volvo XC90 | $79 | $143 |
| All Volvo Models | $74 | $148 |
| All SUVs | $80 | $151 |
| Average Insurance Premium | $81 | $169 |
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.
Insurance Company | Average Monthly Premium |
|---|---|
| Ohio Mutual | $23 |
| Shelter Mutual | $30 |
| Mile Auto | $31 |
| Hugo | $33 |
| Encompass | $34 |
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.
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 | Average Monthly Premium |
|---|---|
| Less than 1 Year | $87 |
| 2-3 Years | $56 |
| 4-5 Years | $76 |
| 6-7 Years | $51 |
| 8-10 Years | $68 |
| 11-14 Years | $84 |
| 15 Years or Older | $76 |
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.
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.
Gender | Average Monthly Premium |
|---|---|
| Male | $82 |
| Female | $76 |
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.
State | Average Monthly Premium |
|---|---|
| California | $62 |
| Florida | $87 |
| Georgia | $95 |
| Illinois | $46 |
| New York | $195 |
| North Carolina | $57 |
| Ohio | $61 |
| Pennsylvania | $65 |
| Texas | $65 |
| Virginia | $59 |
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.
If you’re looking for the best car insurance for your Volvo at the right price, consider one of the following companies. Each one strikes a balance of affordable coverage, customer satisfaction, and other important factors for Volvo drivers like you.
| User Reviews | 3.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $57/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $109/mo |
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
Drivers looking for a basic car insurance policy from a company with a solid reputation can find what they need from State Farm. And they can typically find their policy at a discount, so long as they are not high risk.
Among the best customer service satisfaction in the industry
24/7 claims service with large repair network
Lots of available discounts
High rates for high-risk drivers
Limited coverage options
Higher than average customer complaints
| J.D. Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 641 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $96/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $177/mo |
Drivers appreciate the available discounts but dislike the high prices and lack of communication.
Drivers appreciate the available discounts but dislike the high prices and lack of communication.
Nationwide is great for people who want specialty auto coverage in addition to full-coverage options, but rates may be higher, and customer service can depend on local offices.
Extensive coverage options
Plenty of bundling and discount opportunities
Good reviews of local agents
Higher-than-average rates
Below-average customer service ratings
Potential issues with online quote tool
| User Reviews | NR |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | NR |
Drivers value the excellent coverage and quick claim responses but dislike the significant rate increases and lack of responsiveness to emails.
Drivers value the excellent coverage and quick claim responses but dislike the significant rate increases and lack of responsiveness to emails.
Erie is a great option if you live within the company’s service area, especially if you need complex or specialty coverage. But if a highly functional mobile app is at the top of your list of desirable features, you’ll need to consider other options.
Affordable rates, even for people with minor moving violations
Highly customizable policies with a wide range of add-ons and perks
Offers SR-22 coverage and policies to high-risk drivers
Limited self-service options
Limited features on the mobile app and website
Available in only 12 states
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:
Infractions | Average Monthly Premium |
|---|---|
| 1 Accident | $104 |
| Multiple Accidents | $109 |
| 1 Ticket | $81 |
| Multiple Tickets | $113 |
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.
Annual Mileage | Average Monthly Premium |
|---|---|
| 0-2,500 Miles | $64 |
| 2,501-5,000 Miles | $71 |
| 5,001-7,500 Miles | $72 |
| 7,501-10,000 Miles | $85 |
| 10,000+ Miles | $77 |
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.
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:
Volvo XC90 | National Average | |
|---|---|---|
| Liability Insurance | $229 | $81 |
| Full Coverage Insurance | $409 | $169 |
| Base MSRP | $49,000 | $46,296 |
| Average Annual Mileage | 10,709 | 11,617 |
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.
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.
| Liability Only Avg. Premium | $229 |
| Full Coverage Avg. Premium | $409 |
| Base MSRP | $49,000 |
| Cheapest Insurance Company | Mercury - $29/mo. |
| Available Trims | T5 MOMENTUM, T5 R-DESIGN, T6 INSCRIPTION, T6 MOMENTUM, T6 R-DESIGN, T8 RECHARGE INSCRIPTION, T8 RECHARGE INSCRIPTION EXPRESS, T8 RECHARGE MOMENTUM, T8 RECHARGE R-DESIGN |
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.
| Liability Only Avg. Premium | $76 |
| Full Coverage Avg. Premium | $161 |
| Base MSRP | $48,350 |
| Cheapest Insurance Company | Shelter Mutual - $25/mo. |
| Available Trims | T5 MOMENTUM, T5 R-DESIGN, T6 INSCRIPTION, T6 MOMENTUM, T6 R-DESIGN, T8, T8 INSCRIPTION, T8 MOMENTUM, T8 R-DESIGN |
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.
| Liability Only Avg. Premium | $81 |
| Full Coverage Avg. Premium | $149 |
| Base MSRP | $47,700 |
| Cheapest Insurance Company | Mile Auto - $31/mo. |
| Available Trims | T5 MOMENTUM, T5 R-DESIGN, T6 INSCRIPTION, T6 MOMENTUM, T6 R-DESIGN, T8 INSCRIPTION, T8 MOMENTUM, T8 R-DESIGN |
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.
| Liability Only Avg. Premium | $49 |
| Full Coverage Avg. Premium | $152 |
| Base MSRP | $46,900 |
| Cheapest Insurance Company | Clearcover - $23/mo. |
| Available Trims | T5, T6, T8, T8 UBER EDITION |
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.
| Liability Only Avg. Premium | $82 |
| Full Coverage Avg. Premium | $165 |
| Base MSRP | $45,750 |
| Cheapest Insurance Company | Clearcover - $28/mo. |
| Available Trims | T5, T6, T8 |
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.
| Liability Only Avg. Premium | $55 |
| Full Coverage Avg. Premium | $154 |
| Base MSRP | $43,950 |
| Cheapest Insurance Company | Ohio Mutual - $23/mo. |
| Available Trims | T5, T6, T8 |
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.
| Liability Only Avg. Premium | $77 |
| Full Coverage Avg. Premium | $118 |
| Base MSRP | $39,700 |
| Cheapest Insurance Company | Foremost - $62/mo. |
| Available Trims | 3.2, R DESIGN |
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.
| Liability Only Avg. Premium | $49 |
| Full Coverage Avg. Premium | $106 |
| Base MSRP | $39,700 |
| Cheapest Insurance Company | Amica - $26/mo. |
| Available Trims | 3.2, R DESIGN |
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.
| Liability Only Avg. Premium | $109 |
| Full Coverage Avg. Premium | $140 |
| Base MSRP | $38,400 |
| Cheapest Insurance Company | Shelter Mutual - $28/mo. |
| Available Trims | 3.2, R DESIGN |
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.
| Liability Only Avg. Premium | $84 |
| Full Coverage Avg. Premium | $136 |
| Base MSRP | $38,400 |
| Cheapest Insurance Company | Infinity - $24/mo. |
| Available Trims | 3.2, R DESIGN, V8 |
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.
| Liability Only Avg. Premium | $81 |
| Full Coverage Avg. Premium | $184 |
| Base MSRP | $37,700 |
| Cheapest Insurance Company | Clearcover - $19/mo. |
| Available Trims | 3.2, V8, XC90 |
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.
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.
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.
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.
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.
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.
)
)
)
)
)
)
)
)
Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
