Volvo XC90 Insurance Cost in Maine

Insuring a Volvo XC90 in Maine costs about $915 a year ($76/month) for full coverage by our estimate — −35% versus the same car nationally — the 1st cheapest of 51 states for this model.

Volvo XC90 (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 in Maine at a glance

Full coverage

$915

$750–$1,080

50/100/25 minimum

$325

$27/mo

Same car nationally

$1,410

full coverage

Avg. car in ME

$1,015

−10% for the XC90

The Volvo XC90 is 10% cheaper than the average vehicle to insure in Maine, reflecting HLDI collision losses of 92 and comprehensive losses of 110 (100 = average). Maine's own base rates are 33% lower than the national average, which carries through to every model.

Maine factors that affect XC90 premiums

Uninsured drivers: 5.7% of Maine drivers are uninsured (U.S. 15.4%), which raises the value of uninsured motorist coverage for your XC90.
Theft: 59 vehicle thefts per 100,000 residents (U.S. 197).
Weather: FEMA rates Maine's expected annual losses as very low for hail, relatively low for tornado, relatively low for hurricane, relatively low for inland (river) flooding, relatively low for strong wind — hail, wind and flood claims fall under comprehensive.
Crash risk: 1.17 traffic deaths per 100 million miles (U.S. 1.19).
Fault system: At-fault (tort).

Car insurance rules and costs in Maine →

Volvo XC90 insurance cost in Maine cities

City	Full coverage	Minimum	vs. state
Portland	$1,070	$380	+17%
Lewiston	$1,010	$365	+10%
Bangor	$970	$345	+6%
South Portland	$1,025	$365	+12%
Auburn	$965	$350	+5%
Sanford	$1,040	$370	+14%
Biddeford	$1,025	$365	+12%
Westbrook	$1,010	$360	+10%

Volvo XC90 insurance in Maine by driver

Estimated annual Volvo XC90 premium in Maine
Driver	Minimum	Standard	Full coverage	Full / month
Teen driver (18, own policy)	$900	$1,085	$2,510	$209
Young adult (22)	$520	$630	$1,460	$122
Adult in their 30s	$325	$395	$915	$76
Adult in their 50s	$300	$365	$840	$70
Senior (72)	$365	$440	$1,025	$85
30s, one at-fault accident	$475	$570	$1,325	$110
30s, DUI on record	$605	$730	$1,690	$141

Coverage levels

Estimated premium by coverage level (driver in their 30s, clean record)
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.	$325	$27	$270–$385
Standard liability (100/300/100)	Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car.	$395	$33	$325–$465
Full coverage	Standard liability plus collision and comprehensive, typically required on a financed or leased car.	$915	$76	$750–$1,080

Maine minimum: 50/100/25 liability coverage. Lenders require collision and comprehensive on financed or leased cars.

Rivals in Maine

Model	Full coverage in ME	vs. XC90
Audi Q5	$1,000	+9%
Acura MDX	$835	−9%
Lexus RX	$960	+5%
BMW X3	$1,030	+13%

Estimate your XC90 premium by 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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Volvo XC90 insurance cost in every state · All Volvo models

Frequently asked questions

How much is Volvo XC90 insurance in Maine?

About $915 a year ($76 a month) for full coverage and $325 for Maine's minimum liability, for a driver in their 30s with a clean record. That is 35% less than the national estimate for the same car.

Is the Volvo XC90 cheaper to insure than the average car in Maine?

The average vehicle in Maine is about $1,015 a year for full coverage in our model, so the Volvo XC90 is 10% cheaper than average.

Where in Maine is Volvo XC90 insurance cheapest?

Among the largest Maine cities, Auburn has the lowest estimate (about $965) and Portland the highest (about $1,070).

What insurance do I need for a Volvo XC90 in Maine?

Maine requires at least 50/100/25 liability coverage. If the car is financed or leased, the lender will also require collision and comprehensive.

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