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2003 Volvo XC90 Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Feb 28, 2020

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Average insurance rates for a 2003 Volvo XC90 are $976 a year for full coverage insurance. Comprehensive costs around $168 each year, collision insurance costs $198, and liability insurance costs around $452. Buying a liability-only policy costs as low as $504 a year, and high-risk insurance costs around $2,090. Teenage drivers receive the highest rates at up to $3,914 a year.

Annual premium for full coverage: $976

Rate estimates for 2003 Volvo XC90 Insurance

Comprehensive $168
Collision $198
Liability $452

Rate data is compiled from all 50 U.S. states and averaged for all 2003 Volvo XC90 models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For the average driver, prices range range from as low as $504 for a discount liability-only rate to a high rate of $2,090 for a driver that may need high-risk insurance.

Liability Only $504
Full Coverage $976
High Risk $2,090

View Chart as Image

2003 Volvo XC90 insurance rates compared
Column chart showing 2003 Volvo XC90 insurance prices range from $599 to $3,914 for full coverage

These differences illustrate why all drivers should compare prices for a specific zip code and risk profile, rather than relying on average rates.

Use the form below to get rates for your location.

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

Recommended Companies for Cheap 2003 Volvo XC90 Insurance

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Expensive insurance coverage can drain your checking account and make it impossible to make ends meet. Shopping your coverage around is a great way to reduce premiums and put more money in your pocket.

Many insurers compete for your business, so it’s not easy to compare every insurance company and get the best coverage at the best rates possible.

It’s a great practice to check insurance coverage prices once or twice a year because rates tend to go up over time. Just because you had the best rates on XC90 coverage a few years ago there is a good chance you can find better rates now. Starting right now, ignore everything you know about insurance coverage because you’re going to get a crash course in the quickest way to find lower rates on insurance coverage.

If you are paying for car insurance now, you will be able to lower your premiums substantially using this information. Finding affordable coverage is quite easy. But drivers do need to learn how the larger insurance companies sell insurance online because it can help you find the best coverage.

Cut prices on 2003 Volvo XC90 insurance

Car insurance is not cheap, buy you may qualify for discounts to help bring down the price. Some discounts apply automatically when you purchase, but some may not be applied and must be asked for prior to getting the savings.

  • Low Mileage – Driving fewer miles could qualify for a substantially lower rate.
  • Anti-lock Brake Discount – Vehicles with anti-lock braking systems can avoid accidents and qualify for as much as a 10% discount.
  • Seat Belts Save more than Lives – Requiring all passengers to use their safety belts could save 15% on the medical payments or PIP coverage costs.
  • Auto/Life Discount – Select insurance companies reward you with a discount if you purchase a life insurance policy as well.
  • Discount for Good Grades – This discount can earn a discount of 20% or more. Earning this discount can benefit you well after school through age 25.
  • Federal Government Employee – Active or retired federal employment may qualify you for a discount on XC90 coverage with certain companies.
  • Multi-policy Discount – When you combine your home and auto insurance with the same company you will save at least 10% off all policies.
  • Own a Home – Being a homeowner may trigger a auto insurance policy discount because owning a home demonstrates responsibility.
  • E-sign – Certain companies will give a small break for buying a policy and signing up digitally online.

Drivers should understand that some of the credits will not apply to your bottom line cost. Some only reduce individual premiums such as collision or personal injury protection. So when it seems like all those discounts means the company will pay you, it just doesn’t work that way. Any amount of discount will bring down the cost of coverage.

Insurance companies who might offer these discounts are:

Before buying, ask each company what discounts are available to you. Savings may not apply in every state.

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Tailor your coverage to you

When buying coverage for your personal vehicles, there isn’t really a cookie cutter policy. Everyone’s needs are different so this has to be addressed. For example, these questions might point out whether your personal situation might need an agent’s assistance.

  • What is covered by UM/UIM coverage?
  • Should I get collision insurance on every vehicle?
  • Will I lose any money if I cancel my policy before it expires?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Should I rate my 2003 Volvo XC90 as pleasure use or commute?
  • Is pleasure use cheaper than using my 2003 Volvo XC90 to commute?

If you can’t answer these questions but you know they apply to you then you might want to talk to a licensed agent. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier

Insurance coverage options for a 2003 Volvo XC90

Understanding the coverages of insurance helps when choosing the best coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. Shown next are the normal coverages available from insurance companies.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses such as doctor visits, rehabilitation expenses, EMT expenses, hospital visits and ambulance fees. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP is not universally available and may carry a deductible

Auto liability insurance

This coverage will cover injuries or damage you cause to other people or property. This coverage protects you from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 50/100/50 that translate to a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged property. Occasionally you may see one number which is a combined single limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage protects against claims such as emergency aid, repair bills for other people’s vehicles, medical services and repair costs for stationary objects. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive coverage (or Other than Collision)

This pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as fire damage, damage from a tornado or hurricane, damage from flooding, a tree branch falling on your vehicle and vandalism. The most your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your Volvo XC90.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Auto collision coverage

Collision insurance pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as driving through your garage door, crashing into a building, sideswiping another vehicle and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Drivers also have the option to choose a higher deductible to bring the cost down.

Keep this in mind

When trying to cut insurance costs, it’s not a good idea to buy lower coverage limits just to save a few bucks. There are a lot of situations where someone sacrificed full coverage only to find out they didn’t purchase enough coverage. Your strategy should be to buy enough coverage at a price you can afford.

Throughout this article, we presented quite a bit of information on how to reduce 2003 Volvo XC90 insurance prices online. The most important thing to understand is the more you quote, the more likely it is that you will get a better rate. Consumers could even find that the lowest premiums are with the least-expected company. Regional companies can often provide lower rates in certain areas than their larger competitors like Progressive or GEICO.

Additional car insurance information can be read on the following sites:

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2003 Volvo XC90 Insurance Rates by City
City Premium
New York City, NY $1,545
Los Angeles, CA $1,668
Philadelphia, PA $1,305
Jacksonville, FL $1,418
Phoenix, AZ $1,134
Chicago, IL $1,310
Houston, TX $1,534
Seattle, WA $953
Columbus, OH $818
Indianapolis, IN $832

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2003 Volvo XC90 Insurance Rates by Driver Age
Driver Age Premium
16 $3,914
20 $2,222
30 $994
40 $976
50 $896
60 $878

Full coverage, $500 deductibles

Rates by Deductible

2003 Volvo XC90 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,136
$250 $1,064
$500 $976
$1,000 $892

Full coverage, driver age 40

Rates by Liability Limit

Volvo XC90 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $976
50/100 $1,066
100/300 $1,179
250/500 $1,473
100 CSL $1,112
300 CSL $1,360
500 CSL $1,541

Full coverage, driver age 40

Rates for High Risk Drivers

2003 Volvo XC90 Insurance Rates for High Risk Drivers
Age Premium
16 $5,508
20 $3,532
30 $2,106
40 $2,090
50 $2,000
60 $1,980

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $128

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $49
Multi-vehicle $52
Homeowner $17
5-yr Accident Free $58
5-yr Claim Free $60
Paid in Full/EFT $34
Advance Quote $42
Online Quote $65
Total Discounts $377
Rate after discounts $599

Discounts are estimated and may not be available from every company or in every state.

Find companies with the cheapest rates in your area

2003 Volvo XC90 Insurance Rates by State
State Premium
Alabama $884
Alaska $750
Arizona $810
Arkansas $976
California $1,112
Colorado $934
Connecticut $1,006
Delaware $1,104
Florida $1,222
Georgia $902
Hawaii $702
Idaho $660
Illinois $728
Indiana $736
Iowa $658
Kansas $928
Kentucky $1,334
Louisiana $1,446
Maine $602
Maryland $806
Massachusetts $780
Michigan $1,698
Minnesota $818
Mississippi $1,170
Missouri $866
Montana $1,050
Nebraska $770
Nevada $1,172
New Hampshire $706
New Jersey $1,092
New Mexico $866
New York $1,030
North Carolina $564
North Dakota $800
Ohio $676
Oklahoma $1,004
Oregon $894
Pennsylvania $932
Rhode Island $1,302
South Carolina $884
South Dakota $824
Tennessee $856
Texas $1,180
Utah $724
Vermont $670
Virginia $586
Washington $756
West Virginia $894
Wisconsin $676
Wyoming $870

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