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Cheapest Volvo XC90 Car Insurance (May 2024)

Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance for your Volvo XC90
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Liz Jenson
Expert Insurance Writer
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Kianna Walpole, Expert Insurance Writer & Editor

How much does Volvo XC90 car insurance cost? 

It costs drivers an average of $90 per month to insure their Volvo XC90 with state minimum car insurance and $156 per month for full coverage. This makes the Volvo XC90 approximately 16% more expensive to insure than other popular cars, like the
Subaru Outback
,
Acura TSX
, and
Porsche Boxter
.
While these numbers are a good starting point, it’s important to remember that there’s no such thing as a true ‘average’ cost of car insurance. Your auto insurance rates are highly individualized based on things like your vehicle’s trim level and age, meaning that the only real way to understand how much you might be paying for your car insurance is to compare quotes from multiple providers.

Compare the cheapest Volvo XC90 car insurance quotes

Shopping for insurance doesn’t have to be complicated. With
Jerry
, you can compare quotes from dozens of providers quickly and easily. 
To see real, free quotes that other drivers have gotten from Jerry, check out the table below:
DateCarInsurance companyPremium (monthly)CustomerInsurance coverage
May 28, 2024
Volvo XC90 3.2Mercury
$101
• 100,000/300,000 Liability
May 23, 2024
Volvo XC90 3.2
Clearcover
$145
• 50,000/100,000 Liability
• Comp / Collision
May 18, 2024
Volvo XC90 T6 MomentumTravelers
$78
• 250,000/500,000 Liability
• Comp / Collision
May 9, 2024
Volvo XC90 T6
Gainsco
$170
• State Minimum Liability
• Comp / Collision
May 8, 2024
Volvo XC90 T6National General
$165
• 100,000/300,000 Liability
• Comp / Collision
coverageLast Updated May 28, 2024
While you might see your vehicle model in this table, however, your personalized insurance rate could be very different from the numbers you see here. Insurance companies consider tons of different factors when generating your insurance quote, including your zip code, driving record, and insurance history as well as your vehicle’s model year, trim level, and safety features.
To find out what insurance rates you’ll be offered for your Volvo XC90, it’s best to start by
getting car insurance quotes
from at least three insurance companies.

The best car insurance companies for Volvo XC90 owners

Insurance companies aren’t one-size-fits-all, and not every insurance company will use a slightly different algorithm to
calculate your premiums
. However, we can still help you find the best insurance company for your Volvo XC90!
Jerry experts recently conducted one of the largest consumer surveys, asking over 15,000 real policyholders about their experience with their current provider. Here are the results:
Insurance CompanyOverall RatingPriceClaims ExperienceCustomer Service
Safeco
4.6
4.4
4
4.5
Travelers
4.5
4.2
4.4
4.5
Progressive
4.3
3.9
3.9
4.3
AAA
4.2
4
3.8
4.4
Allstate
4.2
3.6
3.8
4.2
USAA
4
3.5
4.5
4.2
State Farm
4
3.4
3.8
4.2
Farmers
4
3.4
4.1
3.9
Geico
3.9
3.3
3.9
4
Liberty Mutual
3.7
3.2
3.5
3.7
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How'd we get these scores?

Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

How much car insurance do you need for a Volvo XC90?

The amount of coverage you decide to purchase for your Volvo XC90 will definitely have an impact on your rates. On average, Volvo XC90 drivers pay $156 per month for full coverage and $90 per month for minimum coverage, but your individual quote could vary a lot from this average based on things like trim level, model year, driving history, and more.
CarAverage Full Coverage Insurance CostAverage State Minimum Insurance Cost
Volvo XC90
$156
$90
While average rates like these are a great place to start,
the best way to shop for insurance
for your Volvo model is to get personalized quotes from several auto insurance companies. 

Why are some trims more expensive to insure than others?

Vehicles at premium trim levels often have higher repair and replacement costs, meaning they’re a higher risk for insurance companies. As a result, your car insurance cost will typically rise as you get higher trim levels.
Below, you’ll see the average cost of car insurance for various Volvo XC90 trim levels.
CarMonthly minimum coverage costMonthly full coverage cost
XC90 Volvo
$87
$161
XC90 Volvo 3.2
$85
$166
XC90 Volvo T6
$96
$149
XC90 Volvo T6 Inscription
$180
$333
XC90 Volvo V8
$105
$158
Lower my car insurance too!

Volvo XC90 insurance cost by model year

New cars are more expensive to insure than older models because they are worth more and have higher repair costs. Depending on when your Volvo XC90 was manufactured, your insurance rates could be higher (or lower) than the average. Below, you’ll see several quotes that Jerry found for real customers who drive Volvo XC90s from various model years.

2023 Volvo XC90 car insurance quotes

The newer your vehicle, the more expensive it will be to insure. Here’s how much Jerry drivers are paying to insure their 2023 Volvo XC90:
Car
Insurance Company
Premium (monthly)
Customer
Insurance Coverage
2023
Volvo
XC90 Plus
$61
Annie, 63 Washington, DC
• 100,000/300,000 Liability • Comp / Collision

2022 Volvo XC90 car insurance quotes

Comparing average insurance rates for your vehicle’s model year is a great place to start! While it may be tempting to assume that the rates Jerry found for other Volvo XC90 drivers will apply to you, however, the truth is that the quotes in the table below are highly individualized. 
The best way to find your lowest rate is to compare quotes from several insurance companies. 
Car
Insurance Company
Premium (monthly)
Customer
Insurance Coverage
2022
Volvo
XC90 T5 Momentum
$169
Marian, 34
Plano, TX
• 50,000/100,000 Liability • Comp / Collision
2022
Volvo
XC90 T5 Momentum
$81
Frances, 46
Plano, TX
• State Minimum Liability • Comp / Collision
2022
Volvo
XC90 T5 Momentum
$152
Eddie, 38 Whitestown, IN
• 100,000/300,000 Liability • Comp / Collision
2022
Volvo
XC90 T6 Momentum
$78
Lucille, 34 Princeton Junction, NJ
• 250,000/500,000 Liability • Comp / Collision

2021 Volvo XC90 car insurance quotes

Jerry’s state-of-the-art insurance shopping tool will compare quotes from dozens of insurance companies for you in minutes. See examples of real quotes Jerry found for 2021 Volvo XC90 drivers:
Car
Insurance Company
Premium (monthly)
Customer
Insurance Coverage
2021
Volvo
XC90 T6 Momentum
$254
Don, 39
Flushing, NY
• State Minimum Liability • Comp / Collision

2020 Volvo XC90 car insurance quotes

If your Volvo XC90 is over three years old, you might be able to get a cheaper insurance rate. Below, you’ll see real quote examples of how much Jerry drivers are paying to insure their Volvo XC90s from various years:
Car
Insurance Company
Premium (monthly)
Customer
Insurance Coverage
2020
Volvo
XC90 T6 Momentum
$126
Bruce, 37
Boca Raton, FL
• 100,000/300,000 Liability • Comp / Collision
2020
Volvo
XC90 T5 Momentum
$205
• 100,000/300,000 Liability • Comp / Collision
2020
Volvo
XC90 T5 Momentum
Clearcover
$139
Christine, 41
Frisco, TX
• 50,000/100,000 Liability • Comp / Collision

2019 Volvo XC90 car insurance quotes

Car
Insurance Company
Premium (monthly)
Customer
Insurance Coverage
2019
Volvo
XC90 T5 Momentum
$77
Charles, 40
High Point, NC
• 100,000/300,000 Liability • Comp / Collision
2019
Volvo
XC90 T5 Momentum
$133
Josie, 35
Concord, CA
• State Minimum Liability • Comp / Collision
Clearcover
$107
Isabel, 33
Maricopa, AZ
• State Minimum Liability • Comp / Collision
$125
Helen, 51
Brooklyn, NY
• State Minimum Liability

2018 Volvo XC90 car insurance quotes

Car
Insurance Company
Premium (monthly)
Customer
Insurance Coverage
2018
Volvo
XC90 T5
$128
Alma, 42
Miami, FL
• 50,000/100,000 Liability • Comp / Collision
$284
Adrian, 28
Beaverton, OR
• State Minimum Liability • Comp / Collision
Clearcover
$189
Jack, 57
Newnan, GA
• 100,000/300,000 Liability • Comp / Collision
2018
Volvo
XC90 T5
Electric
$135
Lloyd, 30 Washington, DC
• 100,000/300,000 Liability • Comp / Collision

2017 Volvo XC90 car insurance quotes

Car
Insurance Company
Premium (monthly)
Customer
Insurance Coverage
$210
• 50,000/100,000 Liability • Comp / Collision
$194
Marcus, 45
Philadelphia, PA
• 100,000/300,000 Liability • Comp / Collision
$269
Troy, 26 Berthoud, CO
• 100,000/300,000 Liability • Comp / Collision
Clearcover
$72
Zachary, 35
Phoenix, AZ
• State Minimum Liability • Comp / Collision
$165
• 100,000/300,000 Liability • Comp / Collision

2016 Volvo XC90 car insurance quotes

Car
Insurance Company
Premium (monthly)
Customer
Insurance Coverage
$149
Cornelia, 31
San Francisco, CA
• 100,000/300,000 Liability • Comp / Collision
2016
Volvo
XC90 T8
$191
Mollie, 32
Manchester, NH
• 50,000/100,000 Liability • Comp / Collision
$126
Joshua, 57
Evanston, IL
• 100,000/300,000 Liability • Comp / Collision
$129
Duane, 34 Paradise, TX
• State Minimum Liability • Comp / Collision
$102
Travis, 45
Brooklyn, NY
• State Minimum Liability

2014 Volvo XC90 car insurance quotes

Car
Insurance Company
Premium (monthly)
Customer
Insurance Coverage
2014
Volvo
XC90 3.2
$149
• 50,000/100,000 Liability • Comp / Collision
2014
Volvo
XC90 3.2
$412
Maria, 46
Astoria, NY
• State Minimum Liability

2013 Volvo XC90 car insurance quotes

Car
Insurance Company
Premium (monthly)
Customer
Insurance Coverage
2013
Volvo
XC90 3.2
$143
Myra, 48
Seguin, TX
• 50,000/100,000 Liability • Comp / Collision
2013
Volvo
XC90 3.2
$131
Herbert, 48
Columbus, OH
• 100,000/300,000 Liability • Comp / Collision
2013
Volvo
XC90 3.2
$228
Jean, 46
Longs, SC
• State Minimum Liability • Comp / Collision
2013
Volvo
XC90 3.2
$279
Matthew, 43
Austin, TX
• State Minimum Liability
2013
Volvo
XC90 3.2
$168
Trevor, 37 Cottageville, SC
• State Minimum Liability

Are Volvo XC90s expensive to insure? 

With an average auto insurance rate of $90 per month for the state minimum, the Volvo XC90 is about 16% more expensive to insure compared to other models in a similar price range.
CarMonthly minimum coverage costMonthly full coverage cost
Volvo XC90
$90
$156
Acura CL
$94
$158
Dodge Dakota
$88
$135
GMC Yukon
$96
$168
Ram 3500
$86
$225
So, what makes a similar vehicle more (or less) expensive to insure? Car insurance companies will take a lot of different factors into consideration when generating auto insurance quotes, including MSRP, trim level, model year, and the cost of repairs for your vehicle.

Volvo XC90 safety ratings

The safety ratings for your vehicle can also have an impact on your auto insurance prices. Two of the most well-known organizations for vehicle safety ratings are:
  • Insurance Institute for Highway Safety (IIHS): The IIHS will determine your vehicle’s safety rating based on how well occupants are protected during a crash and how well the vehicle’s technology can prevent or reduce the severity of accidents.
  • National Highway Traffic Safety Administration (NHTSA): The NHTSA bases its 5-Star Safety Rating on how your vehicle performs in frontal, side, and rollover crash tests.
Check out the following table for more details on the Volvo XC90’s safety ratings.

Insurance Institute for Highway Safety (IIHS) Rating

Rating typeRating
Small overlap front: driver-side
Good
Small overlap front: passenger-side
Good
Moderate overlap front: original test
Good
Side: original test
Good
Side: updated test
Good
Roof strength
Good
Head restraints & seats
Good
Headlights
Acceptable
Front crash prevention: vehicle-to-pedestrian (day)
Superior
Front crash prevention: vehicle-to-pedestrian (night)
Advanced
Seat belt reminders
Good
LATCH ease of use
Acceptable

What other factors affect Volvo XC90 insurance rates?

There are a lot of things that can impact your
car insurance rate
, including:
  • Your age: Driver age and experience can impact your rates. Those under 25 and over 75 typically see higher insurance rates than other age groups.
  • The type of vehicle you drive: Sports, luxury, and high-performance vehicles are more expensive to insure with collision and comprehensive coverage. Older vehicles tend to experience the best coverage rates.
  • Your driving record and claims history: Drivers with a clean record will get better rates than drivers with a history of accidents and/or tickets.

Volvo XC90 insurance cost for young drivers

The most expensive age group to insure is
teen drivers
between 16 and 19. Since teens are new to driving, they pose a higher risk to insurance companies. It’s also a good idea to purchase full coverage insurance for teens with a newer car, since they are more likely to get into car accidents.
Here are some of the rates teen drivers achieved after using the Jerry app:
card cover
Johanna (22 years old)
coverageCoverage
State Minimum
carVolvo XC90 3.2
$129
per month
card cover
Myrtie (18 years old)
coverageCoverage
State Minimum
carVolvo XC90 3.2
$126
per month
card cover
Alex (24 years old)
coverageCoverage
State Minimum
carVolvo XC90 3.2
$171
per month
card cover
Lois (22 years old)
coverageCoverage
State Minimum
carVolvo XC90 3.2
$175
per month
card cover
Rebecca (24 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
$78
per month

Volvo XC90 insurance cost for senior drivers

While
car insurance rates for seniors
aren’t usually as high as rates for teens, you’ll find that insurance prices start to climb again as you enter your mid-60s.
This is true for a couple of reasons: older drivers are more likely to be involved in car accidents, and are more likely to be seriously injured in a crash. Both of these factors make car insurance more expensive for older adults.
Take a look at some of the rates real senior drivers received with Jerry:
card cover
Andre (65 years old)
coverageCoverage
State Minimum
carVolvo XC90
$108
per month
card cover
Landon (76 years old)
coverageCoverage
15,000 per person
30,000 per accident bodily injury
Comp / Collision
carVolvo XC90 3.2
$85
per month
card cover
John (65 years old)
coverageCoverage
State Minimum
carVolvo XC90 3.2
$100
per month
card cover
Sean (65 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
carVolvo XC90
$113
per month

Volvo XC90 insurance cost for drivers with driving violations 

Your driving record can also have a big impact on your auto insurance rates. If your driving record is clean, you’ll typically see lower insurance premiums. If you have a history of violations, however, your insurance company will see you as a
high risk driver
and will therefore charge you more. 
Some common traffic violations that can increase your car insurance rates include:
  • Speeding
  • Being at fault in an accident
  • Reckless driving
  • Driving with a suspended license

Cheapest car insurance for Volvo XC90 drivers with a DUI record

A DUI offense on your driving record can cause your car insurance rates to vary widely from one provider to the next.
When you have a DUI on your record, it’s best to compare rates from as many insurance companies as possible in order to find affordable insurance coverage. Jerry has helped several Volvo XC90 drivers find affordable insurance rates after a DUI.
card cover
Maurice (47 years old)
coverageCoverage
State Minimum
carVolvo XC90 3.2
$185
per month

Cheapest car insurance for Volvo XC90 drivers after an accident

A recent at-fault car accident on your record can cause your insurance rates to rise well beyond the national average. That’s why people often switch insurance companies after an accident.
Jerry has helped several Volvo XC90 drivers find affordable insurance rates following a car accident. Check out their quotes below:
Accident typeCarInsurance CompanyPremium (monthly)CustomerInsurance coverage
At Fault With No Injury
Volvo XC90 T6Safeco
$94
• State Minimum Liability
• Comp / Collision
Not At Fault
Volvo XC90Travelers
$171
• 100,000/300,000 Liability
Volvo XC90 T5 MomentumAAA
$152
• 100,000/300,000 Liability
• Comp / Collision
At Fault With Injury
Volvo XC90Mercury
$233
• State Minimum Liability
• Comp / Collision
At Fault With No Injury
Volvo XC90 V8State Auto
$137
• 100,000/300,000 Liability
• Comp / Collision
coverageLast Updated May 23, 2024

Cheapest car insurance for Volvo XC90 drivers with other driving violations on their record

DUIs, speeding tickets, and car accidents aren’t the only types of driving violations that can impact the cost of your car insurance. Violations like reckless driving and driving on a suspended license can also raise your rates.
Below, you’ll see a list of how Jerry helped Volvo XC90 drivers save on their insurance after various driving violations.

ViolationCarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Illegal Turn
Volvo XC90 3.2Plymouth Rock
$412
• State Minimum Liability
Defective Equipment
Volvo XC90 V8Progressive
$112
• State Minimum Liability
Failure to Obey Signal
Volvo XC90 3.2Safeco
$84
• 100,000/300,000 Liability
• Comp / Collision
Careless Driving
Volvo XC90Allstate
$66
• 50,000/100,000 Liability
Driving on Sus. License
Volvo XC90 SportMercury
$323
• State Minimum Liability
• Comp / Collision
Failure to Obey Signal
Volvo XC90 3.2Plymouth Rock
$412
• State Minimum Liability
coverageLast Updated May 25, 2024

How can I lower the cost of insurance for my car?

No matter your driver profile, there are several things you can do to lower your insurance rates for your Volvo XC90, including:
  • Shop around: The best way to ensure that you’re getting a good rate for your insurance is to compare quotes from a number of different providers. With Jerry, this process is super easy. Jerry can generate personalized quotes from dozens of insurers in a matter of minutes, making it simple to find the best provider for you.
  • Bundle your insurance policies: Many car insurance companies offer discounts to drivers who
    bundle their homeowners and auto insurance
    .
  • Research discounts: Even if they aren’t advertised, most insurers offer discounts of one kind or another. You might be able to get a discount for things like getting good grades or driving safely. Check in with your current provider to see if you’re missing out on any savings.
  • Raise your deductible: Your
    car insurance deductible
    , or the amount of money that you’re responsible for paying out-of-pocket after an accident, can have a big impact on your monthly insurance rates. A higher deductible directly translates to lower rates. Just be sure that you can still afford to pay your new deductible in the event of an accident!

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. 
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). 
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.  
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. 
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet our experts

avatar
Liz Jenson
Liz Jenson is an insurance writer who specializes in general automotive and insurance topics. Liz’s mission is to produce informative and useful content to help car owners make smart choices when buying cars and car insurance. Since joining Jerry in 2021, Liz has written nearly 4,000 long- and short-form articles on topics including state-specific insurance recommendations, common car insurance questions, and deep dives into vehicle model details.
Before they came to Jerry, Liz was a full-time student at Indiana University, Bloomington working on a double major in English and French.
avatar
Kianna Walpole
badge icon
Expert Insurance Writer & Editor
Kianna Walpole is an insurance writer and editor with a comprehensive background in consumer behavior and online publishing. With experience in car insurance, maintenance, and repair, she is dedicated to building informative content that helps customers reduce costs while achieving the best service. Prior to joining the Jerry editorial team, Kianna worked as a junior editor in the content marketing industry, using consumer data and key insights to create and edit content for an array of large-scale clients in the real estate, cybersecurity, and healthcare industries.
avatar
Josh Damico
badge icon
Head Of Insurance Operations
badge icon
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.