Estimates, not quotes

Jaguar XF vs Volvo S90 Insurance Cost

The Jaguar XF is cheaper to insure by about $20 a year for full coverage by our estimate ($1,675 vs. $1,695), and cheaper in 41 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

CoverageJaguar XFVolvo S90Difference
State minimum$600$565+$35
Standard (100/300/100)$870$820+$50
Full coverage$1,675$1,695−$20

National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = XF minus S90.

Why one costs more to insure

FactorJaguar XFVolvo S90
SegmentLuxury carLuxury car
PowertrainsGasoline, Diesel, Flex-fuelGasoline, Hybrid, Plug-in hybrid
HLDI collision (100 = avg)135132
HLDI comprehensive——
HLDI property damage liability—88
HLDI bodily injury liability——
NHTSA overall rating——
NICB most-stolen rankNot in top 10Not in top 10
Recalls (latest 3 model years)14

Collision losses are the biggest swing factor: the Jaguar XF has 3 points higher relative collision losses, meaning its crash repairs cost insurers more on average.

XF vs S90 insurance by state

StateXFS90Difference
Alabama$1,475$1,505−$30
Alaska$1,470$1,490−$20
Arizona$1,750$1,765−$15
Arkansas$1,500$1,540−$40
California$1,660$1,685−$25
Colorado$1,910$1,945−$35
Connecticut$1,765$1,770−$5
Delaware$1,835$1,825+$10
District of Columbia$2,120$2,150−$30
Florida$2,335$2,310+$25
Georgia$2,040$2,035+$5
Hawaii$1,165$1,185−$20
Idaho$1,140$1,155−$15
Illinois$1,460$1,485−$25
Indiana$1,200$1,220−$20
Iowa$1,160$1,200−$40
Kansas$1,360$1,400−$40
Kentucky$1,405$1,420−$15
Louisiana$2,305$2,325−$20
Maine$1,075$1,095−$20
Maryland$1,870$1,880−$10
Massachusetts$1,650$1,670−$20
Michigan$1,830$1,860−$30
Minnesota$1,410$1,445−$35
Mississippi$1,615$1,645−$30
Missouri$1,530$1,560−$30
Montana$1,360$1,400−$40
Nebraska$1,365$1,400−$35
Nevada$1,875$1,860+$15
New Hampshire$1,200$1,225−$25
New Jersey$1,985$1,975+$10
New Mexico$1,510$1,535−$25
New York$2,215$2,215—
North Carolina$1,275$1,305−$30
North Dakota$1,105$1,145−$40
Ohio$1,205$1,225−$20
Oklahoma$1,530$1,565−$35
Oregon$1,480$1,480—
Pennsylvania$1,480$1,510−$30
Rhode Island$2,000$2,000—
South Carolina$1,765$1,770−$5
South Dakota$1,320$1,375−$55
Tennessee$1,405$1,435−$30
Texas$2,000$2,035−$35
Utah$1,500$1,500—
Vermont$1,110$1,140−$30
Virginia$1,440$1,460−$20
Washington$1,445$1,445—
West Virginia$1,420$1,455−$35
Wisconsin$1,155$1,180−$25
Wyoming$1,345$1,405−$60

By driver profile (full coverage)

DriverXFS90
Teen driver (18, own policy)$4,605$4,655
Young adult (22)$2,680$2,710
Adult in their 30s$1,675$1,695
Adult in their 50s$1,540$1,560
Senior (72)$1,875$1,895
30s, one at-fault accident$2,430$2,455
30s, DUI on record$3,100$3,130

More comparisons

Frequently asked questions

Is the Jaguar XF or the Volvo S90 cheaper to insure?

By our estimate the Jaguar XF is cheaper, by about $20 a year for full coverage ($1,675 vs. $1,695) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Jaguar XF and Volvo S90?

Mostly because of insurance-loss history: HLDI collision indices of 135 vs. 132 and comprehensive indices of n/a vs. n/a (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