2023 Volvo XC90 Car Insurance Calculator

Discover how different driver, vehicle, and coverage options impact car insurance rates for a 2023 Volvo XC90. Customize rate factors like annual miles driven, vehicle usage, driver gender, and your marital status. Find out instantly how much your choice changes rates and why.

The average estimated car insurance premium for a 2023 Volvo XC90 is $2,358 per year, or about $197 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

$2,358

Cost Per Month

$197

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 2023 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.

$2,358
Average Rate
Your Rate
$2,358

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 2023 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 2023 Volvo XC90 is $2,358.

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.

2023 Volvo XC90 vs. the Large Luxury SUV Segment

The table below compares insurance rates for the 2023 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.

2023 Volvo XC90 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Volvo XC90$2,358--
2Lincoln Navigator$2,822$464
3Infiniti QX80$2,846$488
4BMW X7$2,900$542
5Mercedes-Benz GLS450$2,914$556
6Cadillac Escalade$3,160$802
7Lexus LX 570$3,210$852
2023 Large Luxury SUV Average$3,359$1,001
8Mercedes-Benz EQS 580 SUV$3,420$1,062
9BMW Alpina XB7$3,702$1,344
10Mercedes-Benz G550$3,854$1,496
11Land Rover Range Rover$3,970$1,612
12Mercedes-Benz G63 AMG$4,166$1,808
13Mercedes-Benz Maybach GLS 600$4,348$1,990

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.

2023 XC90 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2023 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.

2023 Volvo XC90 Insurance Rates by Trim Level
2023 Volvo XC90 Trim Level Annual Premium Cost Per Month
Core B5 AWD$2,182$182
Plus B5 AWD$2,262$189
Core B6 AWD$2,274$190
Plus B6 AWD$2,320$193
Ultimate B6 AWD$2,404$200
Recharge Core$2,434$203
Recharge Plus$2,454$205
RechargeUltimate$2,522$210

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 2023 Volvo XC90 for different driver ages.

2023 Volvo XC90 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$8,157$680
17$8,009$667
18$7,377$615
19$6,631$553
20$5,123$427
21$4,886$407
22$4,405$367
23$3,541$295
24$3,380$282
25$2,750$229
30$2,534$211
35$2,414$201
40$2,358$197
45$2,190$183
50$2,064$172
55$1,930$161
60$1,936$161
65$2,072$173
70$2,200$183
75$2,534$211
80$3,118$260

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.