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Volvo XC90 insurance group

Compare car insurance costs for your Volvo XC90 based on the specific model version, the driver's age and their location.

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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.

Model / Version Group (1-50) Age 20yrs Age 30yrs Age 40yrs Age 50yrs Link
Momentum Pro D5 PowerPulse AWD auto 5d 39 £12,406 £1,571 £1,244 £794 Get Quote
Momentum Pro T5 AWD auto 5d 39 £12,406 £1,571 £1,244 £794 Get Quote
Momentum Pro B5 (P) AWD auto 5d 40 £20,469 £2,005 £1,813 £1,527 Get Quote
Momentum Pro B5 AWD auto 5d 41 £13,589 £1,776 £1,427 £1,201 Get Quote
Momentum Pro T8 Twin Engine auto 5d 44 £14,614 £2,447 £1,832 £1,542 Get Quote
Momentum Pro T8 Twin Engine AWD auto 5d 44 £14,614 £2,447 £1,832 £1,542 Get Quote
Inscription Pro B5 (P) AWD auto 5d 40 £20,469 £2,005 £1,813 £1,527 Get Quote
Inscription Pro D5 PowerPulse AWD auto 5d 40 £20,469 £2,005 £1,813 £1,527 Get Quote
Inscription Pro T5 AWD auto 5d 40 £20,469 £2,005 £1,813 £1,527 Get Quote
Incription Pro T6 AWD auto (10/2017 on) 5d 42 £17,229 £2,182 £1,676 £1,422 Get Quote
Inscription Pro B5 AWD auto 5d 42 £17,229 £2,182 £1,676 £1,422 Get Quote
Inscription Pro B6 (P) AWD auto 5d 42 £17,229 £2,182 £1,676 £1,422 Get Quote
Inscription Pro T6 AWD auto 5d 42 £17,229 £2,182 £1,676 £1,422 Get Quote
Inscription Pro Recharge T8 Plug-in hybrid AWD auto 5d 45 £17,674 £2,690 £2,159 £1,869 Get Quote
Inscription Pro T8 Twin Engine auto 5d 45 £17,674 £2,690 £2,159 £1,869 Get Quote
Inscription Pro T8 Twin Engine AWD auto 5d 45 £17,674 £2,690 £2,159 £1,869 Get Quote
2.0 D5 Inscription AWD 5d Geartronic 34 £7,552 £1,270 £1,089 £1,074 Get Quote
2.0 D5 PowerPulse Inscription AWD 5d Geartronic 37 £7,807 £1,114 £968 £742 Get Quote
2.0 T6 Inscription AWD 5d Geartronic 40 £20,469 £2,005 £1,813 £1,527 Get Quote
Inscription B5 (P) AWD auto 5d 40 £20,469 £2,005 £1,813 £1,527 Get Quote
Inscription T5 AWD auto 5d 40 £20,469 £2,005 £1,813 £1,527 Get Quote
Incription T6 AWD auto (10/2017 on) 5d 41 £13,589 £1,776 £1,427 £1,201 Get Quote
Inscription B5 AWD auto 5d 41 £13,589 £1,776 £1,427 £1,201 Get Quote
Inscription B6 (P) AWD auto 5d 42 £17,229 £2,182 £1,676 £1,422 Get Quote
2.0 T8 Hybrid Inscription 5d Geartronic 43 £3,056 £1,203 £1,167 £1,108 Get Quote
Inscription Recharge T8 Plug-in hybrid AWD auto 5d 44 £14,614 £2,447 £1,832 £1,542 Get Quote
Inscription T8 Twin Engine AWD auto 5d 44 £14,614 £2,447 £1,832 £1,542 Get Quote
R-Design Pro B5 (P) AWD auto 5d 40 £20,469 £2,005 £1,813 £1,527 Get Quote
R-Design Pro D5 PowerPulse AWD auto 5d 40 £20,469 £2,005 £1,813 £1,527 Get Quote
R-Design Pro T5 AWD auto 5d 40 £20,469 £2,005 £1,813 £1,527 Get Quote
R-Design Pro B5 AWD auto 5d 42 £17,229 £2,182 £1,676 £1,422 Get Quote
R-Design Pro B6 (P) AWD auto 5d 42 £17,229 £2,182 £1,676 £1,422 Get Quote
R-Design Pro T6 AWD auto (10/2017 on) 5d 42 £17,229 £2,182 £1,676 £1,422 Get Quote
R-Design Pro T6 AWD auto 5d 42 £17,229 £2,182 £1,676 £1,422 Get Quote
R-Design Pro Recharge T8 Plug-in hybrid AWD auto 5d 45 £17,674 £2,690 £2,159 £1,869 Get Quote
R-Design Pro T8 Twin Engine auto 5d 45 £17,674 £2,690 £2,159 £1,869 Get Quote
R-Design Pro T8 Twin Engine AWD auto 5d 45 £17,674 £2,690 £2,159 £1,869 Get Quote
2.0 D5 Momentum AWD 5d Geartronic 33 £8,337 £769 £727 £816 Get Quote
2.0 D5 PowerPulse Momentum AWD 5d Geartronic 37 £7,807 £1,114 £968 £742 Get Quote
2.0 T6 Momentum AWD 5d Geartronic 39 £12,406 £1,571 £1,244 £794 Get Quote
Momentum T5 AWD auto 5d 39 £12,406 £1,571 £1,244 £794 Get Quote
Momentum B5 (P) AWD auto 5d 40 £20,469 £2,005 £1,813 £1,527 Get Quote
Momentum B5 AWD auto 5d 41 £13,589 £1,776 £1,427 £1,201 Get Quote
2.0 T8 Hybrid Momentum 5d Geartronic 42 £17,229 £2,182 £1,676 £1,422 Get Quote
Momentum T8 Twin Engine AWD auto 5d 44 £14,614 £2,447 £1,832 £1,542 Get Quote
2.0 D5 R DESIGN AWD 5d Geartronic 34 £7,552 £1,270 £1,089 £1,074 Get Quote
2.0 D5 PowerPulse R DESIGN AWD 5d Geartronic 38 £17,966 £2,478 £1,951 £1,587 Get Quote
2.0 T6 R DESIGN AWD 5d Geartronic 40 £20,469 £2,005 £1,813 £1,527 Get Quote
R-Design B5 (P) AWD auto 5d 40 £20,469 £2,005 £1,813 £1,527 Get Quote
R-Design T5 AWD auto 5d 40 £20,469 £2,005 £1,813 £1,527 Get Quote
R-Design B5 AWD auto 5d 41 £13,589 £1,776 £1,427 £1,201 Get Quote
R-Design T6 AWD auto (10/2017 on) 5d 41 £13,589 £1,776 £1,427 £1,201 Get Quote
R-Design B6 (P) AWD auto 5d 42 £17,229 £2,182 £1,676 £1,422 Get Quote
2.0 T8 Hybrid R DESIGN 5d Geartronic 43 £3,056 £1,203 £1,167 £1,108 Get Quote
R-Design Recharge T8 Plug-in hybrid AWD auto 5d 44 £14,614 £2,447 £1,832 £1,542 Get Quote
R-Design T8 Twin Engine AWD auto 5d 44 £14,614 £2,447 £1,832 £1,542 Get Quote

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)

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

*Based on data provided by Consumer Intelligence Ltd, www.consumerintelligence.com (July ’24). 51% of car insurance customers could save £523.17
The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is subject to our terms of use. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.
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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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