VOLVO XC90 Car Insurance

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The Volvo XC90 is a mid-size luxury SUV known for advanced safety, refined Scandinavian interior design, and comfortable road manners. Built for demanding families, it combines cutting-edge technology with solid build quality, all wrapped in the brand's understated Swedish elegance.

VOLVO XC90 CAR INSURANCE RATES OVER THE LAST 5 YEARS.

From 2021 to 2026, premiums for the Volvo XC90 generally increase, moving from $1180 to $2064, despite notable annual fluctuations, including a dip in 2023 ($1343) and a peak in 2025 ($2180). The overall trend remains upward across the period.

To find the best insurance for your VOLVO XC90 vehicle, it is more important than ever to compare the available options.

Get low-cost insurance for your VOLVO XC90

How much does insurance for your VOLVO XC90 cost in Quebec?

Premiums vary significantly by city: Montreal shows the highest premium ($3607), followed by Trois-Rivières ($2934) and Longueuil ($2923), while Drummondville ($964) and Gatineau ($1448) post the lowest amounts. The gap between extremes exceeds $2600.

To get the exact cost for your situation, the best approach is to compare offers from several insurers. Using our Clicassure comparison tool, you can easily find the best premium tailored to your needs.

City	Average price over the last 12 months
BROSSARD	$2282.14
DRUMMONDVILLE	$964.03
GATINEAU	$1448.06
LAVAL	$2129.73
LÉVIS	$2280.80
LONGUEUIL	$2923.38
MONTRÉAL	$2981.42
QUÉBEC	$2279.05
REPENTIGNY	$2544.06
Saguenay	$1969.63
SAINT-JEAN-SUR-RICHELIEU	$1990.28
SAINT-JÉRÔME	$2254.12
SHERBROOKE	$1715.2
TERREBONNE	$2534.74
TROIS-RIVIÈRES	$2934.28

VOLVO XC90 average premium by model year

Average premium paid by our clients for each model year, over the last 5 years. Select a year to see its detailed statistics.

Model year	Average premium
VOLVO XC90 2026	$2775.10
VOLVO XC90 2025	$3043.57
VOLVO XC90 2024	$2607.78
VOLVO XC90 2023	$2206.80
VOLVO XC90 2022	$2328.13
VOLVO XC90 2021	$2064.83
VOLVO XC90 2020	$2450.30
VOLVO XC90 2019	$1764.36
VOLVO XC90 2018	$1908.11
VOLVO XC90 2017	$1524.80
VOLVO XC90 2016	$1631.77
VOLVO XC90 2013	$626.59
VOLVO XC90 2012	$1471.94
VOLVO XC90 2011	$816.02
VOLVO XC90 2010	$569.94
VOLVO XC90 2009	$532.74
VOLVO XC90 2008	$533.75
VOLVO XC90 2007	$481.82
VOLVO XC90 2006	$486.52
VOLVO XC90 2005	$382.95
VOLVO XC90 2004	$327.00

Frequently asked questions (FAQ)

How much does insurance cost for a Volvo XC90?

The average premium for a Volvo XC90 reached $2064 in 2026, after peaking at $2180 in 2025. This amount can vary significantly depending on the city and driver profile.

Have XC90 premiums fluctuated a lot since 2021?

Yes. The average premium rose from $1180 in 2021 to $2064 in 2026, with notable fluctuations, including a dip to $1343 in 2023 and a peak of $2180 in 2025.

Which city has the highest XC90 insurance premiums?

Based on the provided data, Montreal shows the highest premium at $3607, followed by Trois-Rivières ($2934) and Longueuil ($2923).

Where is the XC90 cheapest to insure?

Drummondville ($964) and Gatineau ($1448) show the lowest average premiums among the cities provided.

Is auto insurance mandatory in Quebec?

Yes. In Quebec, minimum civil liability coverage of $50,000 is mandatory for any vehicle driven on public roads.

Why does the XC90 cost more to insure than an average vehicle?

Its status as a luxury SUV, high replacement value, and specialized parts costs contribute to premiums generally above the market average.

How can I lower my premium for a Volvo XC90?

Comparing quotes from several insurers, especially across cities where differences are significant, remains the most effective way to secure a better premium.

Offers received by our customers on VOLVO XC90 cars

VOLVO XC90 2021

Jonathan from Nicolet

$1980 /year

Premium computed in September 2026