2018 Volvo XC90 Car Insurance Calculator

Learn and understand how the choices you make impact the cost of insurance for a 2018 Volvo XC90. Change driving record, coverage levels, mileage driven, and vehicle usage plus many other factors. Instantly know if the choice you made raises or lower rates and why.

The average estimated car insurance premium for a 2018 Volvo XC90 is $1,844 per year, or about $154 per month. This is based on a 40-year-old male driver with no prior driving violations or at-fault accidents. Comprehensive and collision deductibles are $500 and Uninsured and Underinsured Motorist (UM/UIM) coverage is included.

Annual Premium

$1,844

Cost Per Month

$154

The Annual Premium and Cost Per Month change instantly as you adjust calculator options.

If you change a factor that results in a higher insurance cost, the rates turn red. If you adjust a factor that saves money, the rates turn green. For a detailed explanation of each rate change, click the blue button above.

Quick Guide to Using the Insurance Rate Calculator

  1. Update Options: Adjust any settings in the form below.
  2. Observe Rate Changes: Watch how the Annual Premium at the bottom of the page changes.
  3. Get Detailed Insights: Click the blue up arrow button for an explanation of the rate change.

Key Features:

Volvo XC90 Options

Driver Options

Insurability Factors

Policy Coverages

Calculated vs. Average Rate

Discover how your personalized car insurance rate compares to the average annual premium for a 2018 Volvo XC90.

As you adjust the calculator settings, the 'Your Rate' value dynamically shifts left or right on the rate range bar. This movement visually demonstrates how your rate compares to the typical insurance cost for this vehicle model.

For continuous comparison while you explore different settings, you have the option to pin this rate range bar to the bottom of your screen.

$1,844
Average Rate
Your Rate
$1,844

The 'Average Rate' is calculated based on default options for a typical driver profile: a 40-year-old married male with good credit, no prior accidents or violations, current car insurance coverage, and homeownership. The coverage includes collision and comprehensive coverage with $500 deductibles, liability limits of 100/300/100, and includes Uninsured/Underinsured Motorist and Medical Payments coverages.

The 'Average Rate' is a combined value for all 2018 Volvo XC90 trim levels.

Insurance Rate Analysis

Your personalized insurance analysis will appear below after modifying any options in the calculator settings above.

Based on the default settings in the calculator options, the annual premium for a 2018 Volvo XC90 is $1,844.

After making any changes in the calculator settings, this section will explain the choices that have a positive effect on either rates or coverage, as well as those that have a negative effect.

Factors That Favorably Influence Your Rates and Coverage

There are many things that have a positive effect on your rates, like being a mature driver, being married, having great credit, owning your home, and more.

Once you've fine-tuned the settings in our calculator, this section will provide an analysis of all the factors that have contributed to reducing your rates or improving your coverage options.

Factors That Could Increase Rates or Result in Coverage Gaps

Certain circumstances may lead to higher insurance rates or potential gaps in your coverage. These include life events such as being involved in at-fault accidents, incurring driving violations, experiencing lapses in coverage, or simply being a younger driver. While not all of these factors are within your control, many can be managed to mitigate their impact.

As you adjust the settings in our calculator, this section will detail and explain all the factors that have contributed to higher rates or reduced levels of coverage.

2018 Volvo XC90 vs. the Large Luxury SUV Segment

The table below compares insurance rates for the 2018 Volvo XC90 against all other models in the large luxury SUV segment. The Volvo XC90 is highlighted in light orange, and the segment's average insurance rate is in light blue.

Annual Premium values in the table are based on the current selections in the rate calculator settings.

The Difference column indicates the annual premium variance between each model shown and the Volvo XC90, with green values denoting cheaper rates and red values indicating more expensive rates compared to the Volvo XC90.

After choosing a vehicle trim level in the calculator options, the rates shown will reflect your choice.

2018 Volvo XC90 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Volvo XC90$1,844--
2Infiniti QX80$2,254$410
3Lincoln Navigator$2,364$520
4Cadillac Escalade$2,372$528
5Toyota Land Cruiser$2,378$534
6Mercedes-Benz GLS450$2,428$584
7Lexus LX 570$2,570$726
8Mercedes-Benz GLS550$2,588$744
9Land Rover Range Rover$2,684$840
2018 Large Luxury SUV Average$2,838$994
10Mercedes-Benz AMG GLS63$3,030$1,186
11Mercedes-Benz G63 AMG$3,418$1,574
12Mercedes-Benz G550$3,610$1,766
13Mercedes-Benz G65 AMG$4,058$2,214
14Bentley Bentayga$4,128$2,284

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each model.

2018 XC90 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2018 Volvo XC90.

Annual Premium and Cost Per Month values show in the table are based on the current selections in the rate calculator settings. After setting the trim level option in the calculator settings, it will be highlighted in the table.

2018 Volvo XC90 Insurance Rates by Trim Level
2018 Volvo XC90 Trim Level Annual Premium Cost Per Month
T5 Momentum 2WD$1,710$143
T5 Momentum AWD$1,710$143
T5 R-Design 2WD$1,710$143
T5 R-Design AWD$1,710$143
T6 Inscription AWD$1,804$150
T6 Momentum AWD$1,804$150
T6 R-Design AWD$1,804$150
T8 Inscription AWD$1,900$158
T8 Momentum AWD$1,900$158
T8 R-Design AWD$1,900$158
T8 Excellence AWD$2,326$194

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included.

Insurance Rates by Driver Age

The table below shows average car insurance rates for the 2018 Volvo XC90 for different driver ages.

2018 Volvo XC90 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$6,312$526
17$6,209$517
18$5,746$479
19$5,157$430
20$3,994$333
21$3,811$318
22$3,444$287
23$2,762$230
24$2,642$220
25$2,150$179
30$1,984$165
35$1,888$157
40$1,844$154
45$1,710$143
50$1,614$135
55$1,510$126
60$1,516$126
65$1,620$135
70$1,714$143
75$1,970$164
80$2,418$202

Data Methodology: Rated driver is male and has no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Drivers under the age of 25 are considered single, while drivers 25 and over are rated as married. Annual premium is averaged for all Volvo XC90 trim levels.