Volvo XC90 Insurance Cost

Full coverage for a Volvo XC90 costs about $1,410 a year ($118/month) by our estimate — ▼ −11% versus the average vehicle, ranking 53rd cheapest of 310 current models.

Volvo XC90 exterior (photo from Wikimedia Commons) — Photo: M 93, CC BY-SA 3.0 de

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

Volvo XC90 insurance cost at a glance

Full coverage

$1,410

$118/mo · $1,160–$1,665

Minimum liability

$470

$39/mo

Segment

Luxury SUV

Gasoline, Hybrid, Plug-in hybrid

HLDI collision losses

Better than average (100 = avg)

NHTSA overall

★★★★★

2026 model year

These figures assume a driver in their 30s with a clean record, 7,500–12,000 miles a year, $500 deductibles and national-average base rates, for the 2027 model year. Our vehicle data covers the 2005–2027 model years of the Volvo XC90.

Estimated Volvo XC90 premium by coverage level (national average rates)
Coverage level	What it includes	Per year	Per month	Typical range
State minimum liability	Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car.	$470	$39	$385–$555
Standard liability (100/300/100)	Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car.	$685	$57	$560–$805
Full coverage	Standard liability plus collision and comprehensive, typically required on a financed or leased car.	$1,410	$118	$1,160–$1,665

What drives the cost of insuring a Volvo XC90

The strongest predictor of what insurers charge for a specific model is its claims history. HLDI publishes relative insurance losses for recent models (2022-2024), where 100 is the average of all passenger vehicles. The Volvo XC90's results put our vehicle factor at 0.77× for liability, 0.99× for collision and 1.13× for comprehensive.

HLDI relative insurance losses — Volvo XC90 4dr 4WD (Midsize Luxury SUVs)
Coverage	Index	Rating	What it measures
Collision	92	Better than average	Damage to this car in crashes; driven by repair costs and crash frequency
Comprehensive	110	Worse than average	Theft, vandalism, glass, weather and animal damage
Property damage liability	76	Much better than average	Damage this car does to other vehicles and property
Bodily injury liability	56	Much better than average	Injuries to people in other vehicles (claim frequency)
Personal injury protection	60	Much better than average	Injuries to occupants of this car (claim frequency)
Medical payments	66	Much better than average	Injuries to occupants of this car (claim frequency)

HLDI results by body style / drivetrain (2)

Variant	Collision	Comprehensive	Prop. damage	Bodily injury
Volvo XC90 4dr 4WD	92	110	76	56
Volvo XC90 plug-in hybrid 4dr 4WD	103	114	83	58

Repair and parts costs: Luxury SUV from a luxury brand — premium parts, sensors and labor rates raise collision claims.
Safety: 5-star NHTSA overall rating (frontal 5★, side 5★, rollover 4★) — better occupant protection lowers injury-claim costs.
Recalls & complaints: 3 NHTSA recall campaigns and 36 owner complaints across its latest three model years. Recalls don't change premiums directly, but open recalls should be fixed.

Volvo XC90 trims and configurations (2027)

Higher trims with bigger engines, all-wheel drive or more technology usually cost more to repair or replace, which raises collision and comprehensive premiums.

Configuration	Drive	Engine	MPG (comb.)
XC90 B5 AWD	AWD	2.0L 4-cyl Turbo Hybrid	25
XC90 B6 AWD	AWD	2.0L 4-cyl Turbo Supercharged Hybrid	23

Volvo XC90 insurance cost by model year

Older model years cost less to insure for full coverage because the car is worth less, so collision and comprehensive payouts are smaller. Liability costs stay about the same.

Model year	Engines	Drive	MPG	Est. full / yr
2027	2.0L 4-cyl Turbo Hybrid, 2.0L 4-cyl Turbo Supercharged Hybrid	AWD	23–25	$1,410
2026	2.0L 4-cyl Turbo Hybrid, 2.0L 4-cyl Turbo Plug-in Hybrid, 2.0L 4-cyl Turbo Supercharged Hybrid	AWD	23–27	$1,380
2025	2.0L 4-cyl Turbo Hybrid, 2.0L 4-cyl Turbo Plug-in Hybrid, 2.0L 4-cyl Turbo Supercharged Hybrid	AWD	23–27	$1,345
2024	2.0L 4-cyl Turbo Hybrid, 2.0L 4-cyl Turbo Plug-in Hybrid, 2.0L 4-cyl Turbo Supercharged Hybrid	AWD	23–27	$1,315
2023	2.0L 4-cyl Turbo Hybrid, 2.0L 4-cyl Turbo Plug-in Hybrid, 2.0L 4-cyl Turbo Supercharged Hybrid	AWD	22–27	$1,280
2022	2.0L 4-cyl Turbo, 2.0L 4-cyl Turbo Plug-in Hybrid, 2.0L 4-cyl Turbo Supercharged	AWD, FWD	22–27	$1,250
2021	2.0L 4-cyl Turbo, 2.0L 4-cyl Turbo Supercharged, 2.0L 4-cyl Turbo Supercharged Plug-in Hybrid	AWD, FWD	22–27	$1,215
2020	2.0L 4-cyl Turbo, 2.0L 4-cyl Turbo Supercharged, 2.0L 4-cyl Turbo Supercharged Plug-in Hybrid	AWD, FWD	21–27	$1,185
2019	2.0L 4-cyl Turbo, 2.0L 4-cyl Turbo Supercharged, 2.0L 4-cyl Turbo Supercharged Plug-in Hybrid	AWD, FWD	22–25	$1,150
2018	2.0L 4-cyl Turbo, 2.0L 4-cyl Turbo Supercharged, 2.0L 4-cyl Turbo Supercharged Plug-in Hybrid	AWD, FWD	23–27	$1,115
2017	2.0L 4-cyl Turbo, 2.0L 4-cyl Turbo Supercharged, 2.0L 4-cyl Turbo Supercharged Plug-in Hybrid	AWD, FWD	22–25	$1,085
2016	2.0L 4-cyl Turbo, 2.0L 4-cyl Turbo Supercharged, 2.0L 4-cyl Turbo Supercharged Plug-in Hybrid	AWD, FWD	22–25	$1,050
2014	3.2L 6-cyl	AWD, FWD	18–19	$1,050
2013	3.2L 6-cyl	AWD, FWD	18–19	$1,050
2012	3.2L 6-cyl	AWD, FWD	18–19	$1,050
2011	3.2L 6-cyl, 4.4L 8-cyl	AWD, FWD	16–18	$1,050
2010	3.2L 6-cyl, 4.4L 8-cyl	AWD, FWD	15–18	$1,050
2009	3.2L 6-cyl, 4.4L 8-cyl	4WD/AWD, FWD	15–17	$1,050
2008	3.2L 6-cyl, 4.4L 8-cyl	4WD/AWD, FWD	15–16	$1,050
2007	2.5L 5-cyl Turbo, 3.2L 6-cyl, 4.4L 8-cyl	4WD/AWD, FWD	15–18	$1,050

Volvo XC90 insurance cost by state

The same car can cost very different amounts to insure depending on where it is garaged. Select a state for its rules and city-level costs, or open the XC90 page for that state.

State	Full coverage	Minimum	vs. national	XC90 page
Alabama	$1,255	$370	−11%	XC90 in AL
Alaska	$1,235	$480	−12%	XC90 in AK
Arizona	$1,480	$510	+5%	XC90 in AZ
Arkansas	$1,290	$345	−9%	XC90 in AR
California	$1,385	$440	−2%	XC90 in CA
Colorado	$1,655	$500	+17%	XC90 in CO
Connecticut	$1,465	$545	+4%	XC90 in CT
Delaware	$1,520	$615	+8%	XC90 in DE
District of Columbia	$1,780	$570	+26%	XC90 in DC
Florida	$1,925	$830	+37%	XC90 in FL
Georgia	$1,695	$670	+20%	XC90 in GA
Hawaii	$975	$335	−31%	XC90 in HI
Idaho	$965	$310	−32%	XC90 in ID
Illinois	$1,235	$385	−12%	XC90 in IL
Indiana	$1,020	$310	−28%	XC90 in IN
Iowa	$1,020	$240	−28%	XC90 in IA
Kansas	$1,190	$310	−16%	XC90 in KS
Kentucky	$1,190	$405	−16%	XC90 in KY
Louisiana	$1,945	$610	+38%	XC90 in LA
Maine	$915	$325	−35%	XC90 in ME
Maryland	$1,560	$580	+11%	XC90 in MD
Massachusetts	$1,380	$455	−2%	XC90 in MA
Michigan	$1,545	$590	+10%	XC90 in MI
Minnesota	$1,220	$360	−13%	XC90 in MN
Mississippi	$1,385	$410	−2%	XC90 in MS
Missouri	$1,315	$395	−7%	XC90 in MO
Montana	$1,195	$300	−15%	XC90 in MT
Nebraska	$1,190	$310	−16%	XC90 in NE
Nevada	$1,540	$665	+9%	XC90 in NV
New Hampshire	$1,015	$310	−28%	XC90 in NH
New Jersey	$1,635	$720	+16%	XC90 in NJ
New Mexico	$1,285	$400	−9%	XC90 in NM
New York	$1,840	$715	+30%	XC90 in NY
North Carolina	$1,085	$345	−23%	XC90 in NC
North Dakota	$975	$210	−31%	XC90 in ND
Ohio	$1,025	$310	−27%	XC90 in OH
Oklahoma	$1,325	$360	−6%	XC90 in OK
Oregon	$1,230	$480	−13%	XC90 in OR
Pennsylvania	$1,260	$325	−11%	XC90 in PA
Rhode Island	$1,660	$630	+18%	XC90 in RI
South Carolina	$1,480	$565	+5%	XC90 in SC
South Dakota	$1,190	$240	−16%	XC90 in SD
Tennessee	$1,200	$345	−15%	XC90 in TN
Texas	$1,715	$530	+22%	XC90 in TX
Utah	$1,250	$500	−11%	XC90 in UT
Vermont	$950	$245	−33%	XC90 in VT
Virginia	$1,215	$480	−14%	XC90 in VA
Washington	$1,200	$455	−15%	XC90 in WA
West Virginia	$1,225	$335	−13%	XC90 in WV
Wisconsin	$995	$285	−29%	XC90 in WI
Wyoming	$1,205	$250	−15%	XC90 in WY

Volvo XC90 insurance by driver profile

Estimated annual Volvo XC90 premium by driver (national average rates)
Driver	Minimum	Standard	Full coverage	Full / month
Teen driver (18, own policy)	$1,295	$1,880	$3,885	$324
Young adult (22)	$755	$1,095	$2,260	$188
Adult in their 30s	$470	$685	$1,410	$118
Adult in their 50s	$435	$630	$1,300	$108
Senior (72)	$530	$765	$1,580	$132
30s, one at-fault accident	$685	$990	$2,045	$170
30s, DUI on record	$875	$1,265	$2,610	$218

Volvo XC90 vs. rivals

Model	Full coverage / yr	HLDI collision	HLDI comprehensive	Comparison
Volvo XC90	$1,410	92	110	—
Audi Q5	$1,500	119	105	Compare
Acura MDX	$1,270	82	82	Compare
Lexus RX	$1,445	111	97	Compare

Estimate Volvo XC90 insurance for your ZIP code

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State ZIP code or city (optional) Driver age Vehicle make Model Coverage Driving record Annual mileage

Estimated annual premium

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Per month

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Other Volvo models

EX60 $1,895/yr
EX90 $1,870/yr
XC60 $1,275/yr
EC40 $1,850/yr
EX30 $1,850/yr
EX40 $1,850/yr
S90 $1,695/yr
V60 $1,255/yr
V90 $1,475/yr
XC40 $1,210/yr
S60 $1,515/yr
C40 $1,375/yr
S80 $1,350/yr
XC70 $1,205/yr
C30 $1,345/yr
C70 $1,345/yr
S40 $1,345/yr
V50 $1,200/yr
V70 $1,200/yr

All Volvo insurance costs →

Frequently asked questions

How much is insurance for a Volvo XC90?

We estimate about $1,410 a year ($118 a month) for full coverage and $470 for state-minimum liability, for a driver in their 30s with a clean record at national-average rates. That is 11% less than the average vehicle.

Is the Volvo XC90 expensive to insure?

HLDI insurance-loss data rates it at 92 for collision and 110 for comprehensive losses (100 = average of all vehicles), meaning collision losses are better than average.

Which state is cheapest to insure a Volvo XC90?

Maine has the lowest estimate (about $915 a year for full coverage) and Louisiana the highest (about $1,945).

What is the Volvo XC90's NHTSA safety rating?

The 2026 Volvo XC90 earned 5 out of 5 stars overall in NHTSA crash testing. Better crash protection can lower injury-claim costs.

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

By our estimate the Volvo XC90 costs about $1,410 a year versus $1,535 for the Audi Q5, making it the cheaper of the two to insure.

How much is Volvo XC90 insurance for a teen driver?

An 18-year-old on their own full-coverage policy would pay about $3,885 a year at national-average rates by our estimate.

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