Estimates, not quotes

Audi Q5 vs Volvo XC90 Insurance Cost

The Volvo XC90 is cheaper to insure by about $90 a year for full coverage by our estimate ($1,500 vs. $1,410), and cheaper in 51 of 51 states.

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Side-by-side insurance estimate

CoverageAudi Q5Volvo XC90Difference
State minimum$490$470+$20
Standard (100/300/100)$710$685+$25
Full coverage$1,500$1,410+$90

National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = Q5 minus XC90.

Why one costs more to insure

FactorAudi Q5Volvo XC90
SegmentLuxury SUVLuxury SUV
PowertrainsGasoline, Hybrid, Plug-in hybrid, Diesel, Flex-fuelGasoline, Hybrid, Plug-in hybrid
HLDI collision (100 = avg)11992
HLDI comprehensive105110
HLDI property damage liability7676
HLDI bodily injury liability6656
NHTSA overall rating5★5★
NICB most-stolen rankNot in top 10Not in top 10
Recalls (latest 3 model years)53

Collision losses are the biggest swing factor: the Audi Q5 has 27 points higher relative collision losses, meaning its crash repairs cost insurers more on average.

Q5 vs XC90 insurance by state

StateQ5XC90Difference
Alabama$1,330$1,255+$75
Alaska$1,325$1,235+$90
Arizona$1,560$1,480+$80
Arkansas$1,365$1,290+$75
California$1,500$1,385+$115
Colorado$1,715$1,655+$60
Connecticut$1,565$1,465+$100
Delaware$1,610$1,520+$90
District of Columbia$1,905$1,780+$125
Florida$2,035$1,925+$110
Georgia$1,795$1,695+$100
Hawaii$1,055$975+$80
Idaho$1,025$965+$60
Illinois$1,315$1,235+$80
Indiana$1,080$1,020+$60
Iowa$1,060$1,020+$40
Kansas$1,235$1,190+$45
Kentucky$1,255$1,190+$65
Louisiana$2,055$1,945+$110
Maine$975$915+$60
Maryland$1,665$1,560+$105
Massachusetts$1,480$1,380+$100
Michigan$1,650$1,545+$105
Minnesota$1,275$1,220+$55
Mississippi$1,455$1,385+$70
Missouri$1,380$1,315+$65
Montana$1,240$1,195+$45
Nebraska$1,240$1,190+$50
Nevada$1,640$1,540+$100
New Hampshire$1,085$1,015+$70
New Jersey$1,745$1,635+$110
New Mexico$1,360$1,285+$75
New York$1,955$1,840+$115
North Carolina$1,160$1,085+$75
North Dakota$1,015$975+$40
Ohio$1,085$1,025+$60
Oklahoma$1,385$1,325+$60
Oregon$1,305$1,230+$75
Pennsylvania$1,340$1,260+$80
Rhode Island$1,770$1,660+$110
South Carolina$1,560$1,480+$80
South Dakota$1,215$1,190+$25
Tennessee$1,275$1,200+$75
Texas$1,800$1,715+$85
Utah$1,325$1,250+$75
Vermont$1,015$950+$65
Virginia$1,290$1,215+$75
Washington$1,275$1,200+$75
West Virginia$1,285$1,225+$60
Wisconsin$1,045$995+$50
Wyoming$1,240$1,205+$35

By driver profile (full coverage)

DriverQ5XC90
Teen driver (18, own policy)$4,120$3,885
Young adult (22)$2,395$2,260
Adult in their 30s$1,500$1,410
Adult in their 50s$1,380$1,300
Senior (72)$1,680$1,580
30s, one at-fault accident$2,170$2,045
30s, DUI on record$2,770$2,610

More comparisons

Frequently asked questions

Is the Audi Q5 or the Volvo XC90 cheaper to insure?

By our estimate the Volvo XC90 is cheaper, by about $90 a year for full coverage ($1,500 vs. $1,410) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Audi Q5 and Volvo XC90?

Mostly because of insurance-loss history: HLDI collision indices of 119 vs. 92 and comprehensive indices of 105 vs. 110 (100 = average), plus repair costs, theft rates and segment.

How we estimate this

We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.

Sources used on this page