Volvo XC90 insurance group

The Volvo XC90 is a mid-sized crossover SUV that is powered by a choice of powerful engines. It also received a full 5-star safety rating from Euro NCAP, with safety features that include a Lane Assist System. In this guide, you’ll learn everything you need to know about insuring a Volvo XC90.

What insurance group does the Volvo XC90 fall under?

Volvo XC90 car models fall within car insurance groups 34-45, so you can expect to pay more to insure this car compared to the average vehicle.

Costs will vary slightly between different Volvo XC90 insurance groups, due to the different factors associated with each model. For example, a 30-year-old driver in an average postcode may pay around £1,270 for cover on a Volvo XC90 2.0 D5 Inscription AWD 5d Geartronic (insurance group 34), or around £2,447 for a Volvo XC90 Inscription Recharge T8 Plug-in hybrid AWD auto 5d that is in insurance group 44. Here, we can see the impact on premium pricing when one car is in a much higher insurance group.

Using the table below, you can find out the insurance group of your Volvo XC90 model, and how much it’s likely to cost for your car insurance.

• How we got these rates

  These rates are based on the average cost of cover for cars in the insurance groups shown, for drivers of different ages with a Newcastle (NE1) postcode, which our research suggests represents an average for insurance rates in the UK. Updated: June 2024 (source: Confused).

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Volvo XC90 insurance cost by location

The average cost of Volvo XC90 insurance based on insurance groups and driver age are listed above. However, there are other factors that affect the cost of your car insurance premium, including location.

To show this, here are some average quotes for a 30-year-old living in three different locations below. The quotes are for a Volvo XC90 Momentum Pro T5 AWD auto 5d.

• Expensive: £3,673 (London SE1)
• Average: £1,571 (Newcastle NE1)
• Cheap: £1,429 (Galashiels TD1)

• How we got these rates

  These rates are based on the average cost of cover for cars in the locations shown. Our research suggests SE1 is one of the most expensive locations, NE1 represents an average cost location and TD1 represents one of the cheapest locations. Updated: June 2024 (source: Confused).

Which factors affect my Volvo XC90 insurance rate?

Along with insurance group, there are a number of key factors that have the biggest impact on your insurance premium costs. Take a look at the important ones below.

• Engine type and capacity. A larger engine will spike the cost of your insurance. However, in this case, the Volvo XC90 models all have 2.0-litre engines meaning different engine sizes won’t be a factor here.
• Driver location. Your location will have a high impact on your premium. For example, a 30-year-old in central London may pay £4,143 for insurance on a Volvo XC90 Inscription B5 AWD auto 5d, while the same 30-year-old in Newcastle may only pay £1,776. This difference in cost reflects the perceived likelihood of residents from that city making a claim.
• Driver age. The average 20-year-old driver in London may pay £28,609 for the Volvo XC90 Momentum T5 AWD auto 5d, while the average 40-year-old Londoner will only pay £3,088. This is because the youngest drivers are statistically more likely to make a claim.

Other factors that influence the cost of your insurance include:

• Your marital status
• Your credit history
• Your occupation
• Your car’s safety rating
• Your car’s security features
• The age and model of your car
• Your car’s security and any extra anti-theft precautions
• Your no-claim discount
• Your driving history and activity

How can I save on my Volvo XC90 premium?

When searching for car insurance, you’ll definitely want to find the best deal every year. Here are some tricks to lower the cost of your premium.

• Limit your annual mileage. With a lower annual mileage, you’re deemed as a lower risk of making a claim. So, consider if there are any journeys which you can make by foot or public transport.
• Pay annually, rather than monthly. If you pay monthly, you may be charged interest. Avoid this by paying annually.
• Install extra safety precautions. The safer your car is, the less of a risk it will be for companies to insure. So, if you add additional safety precautions, you’re likely to lower your premium.
• Shop around for the best deal. Don’t just accept your renewal quote. You’ll usually find a better deal by searching quotes from price comparison websites.

Frequently asked questions

• What is the top speed of a Volvo XC90?

  This vehicle has a top speed of 131 miles per hour.

• Is the Volvo XC90 safe?

  This vehicle received a 5-star rating from Euro NCAP. It scored a 97% rating for protecting adult occupants and an 87% rating for protecting child occupants.

• How much car tax do I have to pay for the Volvo XC90?

  The UK standard car tax rate sites at £150 per year. However, you might pay more or less depending on your car’s emissions.

• Where can I buy a Volvo XC90?

  This vehicle is available to buy online or from dealerships across the UK. You may be able to buy a second-hand vehicle from a previous owner too.

• What engine size is the Volvo XC90?

  The Volvo XC90 models all have a 2.0-litre engine.

• Is the Volvo XC90 any good?

  It’s a powerful vehicle that handles well. It’s well worth considering if you’re searching for a mid-sized crossover.

• Where can I find Volvo XC90 car insurance?

  You can compare insurance costs on any price comparison website.

• Is a Volvo XC90 expensive to insure?

  This vehicle falls within car insurance groups 34-45. This means it will cost a lot more to insure compared to the average vehicle.

Written by

Danny Butler

Publisher

Danny is a publisher at Finder specialising in insurance and investing. He previously worked at the global insurer Aon and has appeared in national media giving advice on insurance. Danny holds a BA in International Business from the University of Plymouth and has undying loyalty to his average-poor football team, Portsmouth FC. See full bio

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