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Volvo XC90 Insurance Cost

The Volvo XC90 is a luxury mid-size suv with an average insurance cost of $2,550/yr. It carries a IIHS Top Safety Pick+ safety rating and low theft risk. See how costs break down by year below.

Quote My XC90

$2,550/yr

Avg. Annual Insurance

IIHS Top Safety Pick+

Safety Rating

Low

Theft Risk

Luxury Mid-size SUV

Body Type

About Volvo XC90 Insurance

The Volvo XC90 is a popular luxury mid-size suv that averages $2,550/yr in annual insurance premiums. This places it above the national average of approximately $1,770 per year.

With a IIHS Top Safety Pick+ safety rating, the XC90 is considered a very safe vehicle by insurers. Strong safety ratings can qualify you for discounts with many carriers. The low theft risk also helps keep comprehensive coverage affordable.

Insurance costs vary by model year — newer XC90s (2026-2025) cost about 5-10% more due to higher replacement values, while older models (2020-2021) can be 10-15% cheaper as they depreciate.

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