Volvo XC Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 8, 2023

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Many consumers wonder ask why Volvos are so expensive to insure. However, the average Volvo XC90 insurance rates are around $126 per month or $1,518 annually. Many factors impact your Volvo XC90 insurance costs, like your age, where you live, and your driving record. 

Therefore, insurance on a Volvo is expensive for higher-risk drivers, in other words, younger drivers and people with imperfect driving records. Even the age of your Volvo model can change the rate you pay for insurance. For example, a 2021 Volvo XC90 will receive higher quotes than the Volvo XC90 2019 model. 

Because Volvo is a luxury brand, many consumers choose to take out fuller-coverage policies, which often include collision insurance and other forms of protection. What is collision insurance and what does it cover on a luxury vehicle like the Volvo XC90?  Read through our comprehensive Volvo XC90 review to answer all of these questions and more. 

Find out your Volvo XC90 insurance group by entering your five-digit ZIP code into our FREE quote comparison tool to find your lowest rates. 

Shopping for auto insurance through online rate quotes can be fast and easy and there is a good chance you will probably save money. The most important part is to get rates from as many companies as possible in order to have the lowest priced insurance.

If shopping for auto insurance online is new to you, you can be overwhelmed by the hoards of online auto insurance companies and websites competing for your business. To find the best auto insurance prices, there are several ways to compare rate quotes from local auto insurance companies. The quickest method to compare Volvo XC insurance cost consists of shopping online. This can be accomplished by comparing rates here.

Insurance rates for your Volvo XC can fluctuate considerably depending on several factors. Some of these factors include:

  • A clean driving record keeps rates low
  • Credit rating impacts rates
  • Where you reside can make a big difference
  • High miles vs. low miles
  • Male drivers pay higher rates
  • Deductible amount directly impacts your rate
  • Safety rating of your XC
  • Your profession
  • Your coverage level
  • Whether you own your home

One last important factor that will help determine the rate you pay on your Volvo XC is the year of manufacture. Older cars and trucks cost less so the payout to repair may result in lower rates. On the flip side, new XC models may have options like an advanced theft deterrent system, blind-spot warning system, automatic crash notification, and tire pressure monitors which may lower rates.

Auto liability - damage that occurs to things like legal defense fees, bail bonds, and repair bills for other people's vehicles. .

Collision coverage protection - another car or object. . , . .

Comprehensive auto insurance - OTHER than collision with another vehicle or object. . you'll receive from a claim , .

Uninsured Motorist or Underinsured Motorist insurance - Your UM/UIM coverage . , . .

Medical payments and PIP coverage - short-term medical expenses nursing services, prosthetic devices, and dental work. . .

As you’ve learned from the above information, many factors impact your Volvo XC90 price for car insurance. Even different Volvo XC90 interiors can affect your overall rates. 

Whether you’re buying a brand new Volvo XC90 2020 model or found a used Volvo XC90 for sale, secure the lowest car insurance rates by using our FREE tool below to comparison shop.

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What are the safety ratings for the Volvo XC90?

Understanding the Volvo XC90 safety ratings and features is a great way to discover car insurance discounts you might qualify for. Sometimes, it can even uncover if your vehicle is causing your rates to increase. 

Check out the 2020 Volvo XC90 safety ratings below.

  • Small overlap front (driver-side): Good
  • Small overlap front (passenger-side): Good
  • Moderate overlap front: Good
  • Side: Good
  • Roof strength: Good
  • Head restraints and seats: Good

      A rating of ‘Good’ is the highest possible standard given by the Insurance Institute for Highway Saftey. As you can see, the Volvo XC90 received nearly perfect ratings and is one of the 2020 top safety picks. Your insurance premiums will reflect these great safety assessments.

      The Volvo XC90 might be safe to drive, but is the Volvo XC90 expensive to maintain? Cars that cost more to fix or replace usually receive higher than average insurance rates, as they cost insurers more money if a claim is filed. 

      Fortunately, the 2020 Volvo XC90 configurations cost no more than other newer luxury SUVs when it comes to upkeep. This will help keep your insurance rates low. 

      Volvo XC90 Compared Against other Vehicles in the Same Class

      Comparing the Volvo XC90 to similar vehicles can help you save money, especially it has better insurance loss ratios than other vehicles in its class.

      Officially the Insurance Institue for Highway Safety classifies the Volvo XC90 as a midsize luxury SUV. See other comparable midsize luxury SUVs in the list below:

      The Volvo XC90 has substantially better than average property damage, personal injury, medical payment, and bodily injury insurance loss ratios at -37 percent, -48 percent, -57 percent, and -61 percent respectively. Unfortunately, this vehicle’s comprehensive insurance loss ratios are substantially worse than average at 58 percent.

      Fortunately, the good percentages should outweigh the bad in this case. These loss ratios likely will not cause your rates to drastically increase.

      You are now an expert on the Volvo XC90 insurance rates. Is the Volvo XC90 a good car for you? Do you already drive one? If so, make sure you aren’t paying too much for car insurance. Enter your ZIP code into our FREE quote tool to compare affordable rates for your Volvo XC90.

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      Enter your zip code below to view companies that have cheap auto insurance rates.

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