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2004 Volvo XC90 Insurance Rates

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

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: Nov 17, 2021

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Average insurance rates for a 2004 Volvo XC90 are $998 a year for full coverage insurance. Comprehensive costs around $172, collision costs $208, and liability coverage costs around $460. Buying a liability-only policy costs as low as $510 a year, with high-risk insurance costing around $2,138. Teenage drivers receive the highest rates at $3,998 a year or more.

Annual premium for full coverage: $998

Rate estimates for 2004 Volvo XC90 Insurance

Comprehensive $172
Collision $208
Liability $460

Rate data is compiled from all 50 U.S. states and averaged for all 2004 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 a driver in their 40's, prices range go from as low as $510 for just liability coverage to a much higher rate of $2,138 for a driver who has had serious violations or accidents.

Liability Only $510
Full Coverage $998
High Risk $2,138

View Chart as Image

2004 Volvo XC90 insurance rates compared
Column chart showing 2004 Volvo XC90 insurance prices range from $609 to $3,998 for full coverage

These differences illustrate why anyone shopping for car insurance should compare prices for a specific zip code and risk profile, rather than using 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 2004 Volvo XC90 Insurance

Searching Companies

Want lower auto insurance rates for your Volvo XC90? Did you fall for a flashy sales pitch and buy high-priced auto insurance? Trust us when we tell you there are a lot of people just like you who feel imprisoned by their auto insurance policy.

Big-name insurance companies like Allstate, Liberty Mutual and State Farm persitently shower you with catchy ads and it is challenging if not impossible to separate fact from fiction and find the best price available.

Comparison of Insurance

Most companies like State Farm, Allstate and GEICO quote coverage price quotes on the web. Obtaining pricing is fairly straightforward as you simply type in your coverage preferences into a form. After you complete the form, the system automatically retrieves your driving and credit reports and provides a quote based on these and other factors. Quoting online simplifies rate comparisons, but the work required to visit several different sites and type in the same information is repetitive and time-consuming. Unfortunately, it is important to get many rate quotes in order to find the lowest possible prices on insurance.

A quicker way to lower your rates uses one form that obtains quotes from several companies at one time. It’s a real time-saver, requires less work, and makes rate comparisons much easier. After sending the form, it is quoted and you are able to buy any of the quote results. If one or more price quotes are lower than your current rates, it’s easy to complete the application and purchase coverage. The entire process can be completed in a matter of minutes and you’ll know if lower rates are available.

To find out how much you can save on insurance, click here to open in new window and submit your coverage information. If you have coverage now, it’s recommended you copy the limits and deductibles identical to your current policy. This ensures you will get a price comparison based on similar coverages.

Are you getting all your discounts?

Companies offering auto insurance don’t list all available discounts in an easy-to-find place, so we break down both the well known and the more hidden ways to save on insurance coverage.

  • Air Bag Discount – Cars that have air bags or motorized seat belts can qualify for discounts up to 30%.
  • Multiple Policy Discount – If you insure your home and vehicles with the same company you may save 10% to 20% off each policy.
  • Distant Student – Youth drivers who attend school more than 100 miles from home and do not have a car can receive lower rates.
  • 55 and Retired – Older drivers may be able to get a small decrease in premiums for XC90 coverage.
  • Multi-car Discount – Insuring more than one vehicle on one policy can get a discount on all vehicles.
  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes are safer to drive and therefore earn up to a 10% discount.
  • Federal Employees – Being employed by or retired from a federal job could cut as much as 10% off for XC90 coverage with a few insurance coverage companies.
  • Paperwork-free – Some insurance companies will give a small break just for signing your application online.
  • No Charge for an Accident – Some insurance companies will allow you to have one accident before raising your premiums so long as you haven’t had any claims for a certain period of time.
  • Lower Rates for Military – Being on active duty in the military may qualify for rate reductions.

It’s important to understand that many deductions do not apply the whole policy. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. Even though it may seem like you could get a free insurance coverage policy, companies wouldn’t make money that way.

Car insurance companies that possibly offer these money-saving discounts include:

  • GEICO
  • USAA
  • Progressive
  • American Family
  • Esurance
  • Farmers Insurance
  • State Farm

It’s a good idea to ask every prospective company how you can save money. Savings may not apply everywhere.

Free Auto Insurance Comparison

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

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When might I need an agent?

When it comes to choosing the right insurance coverage for your vehicles, there is no best way to insure your cars. Your needs are not the same as everyone else’s and your policy should reflect that. These are some specific questions might point out if your situation will benefit from professional help.

  • Will filing a claim cost me more?
  • Is motorclub coverage worth it?
  • Am I covered when pulling a rental trailer?
  • Is my cargo covered for damage or theft?
  • Is upholstery damage covered by car insurance?
  • Should I put collision coverage on all my vehicles?
  • Are split liability limits better than a combined single limit?

If it’s difficult to answer those questions, you might consider talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies.

Volvo XC90 insurance rates consist of many parts

Consumers need to have an understanding of the different types of things that come into play when calculating the price you pay for auto insurance. Having a good understanding of what controls the rates you pay allows you to make educated decisions that may reward you with lower auto insurance prices.

The list below includes a few of the “ingredients” companies use to determine rates.

  • Special features that cut premiums – Driving a car that has an advanced theft prevention system can help bring down rates. Anti-theft features like GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder auto theft.
  • Do you know you’re credit rating? – A driver’s credit score is a important factor in determining your rates. People with high credit ratings tend to be more responsible as compared to drivers with lower credit ratings. If your credit rating is low, you could potentially save money when insuring your 2004 Volvo XC90 by improving your credit score.
  • Traffic citations inflate rates – A bad driving record has a big impact on rates. Drivers with clean records receive lower rates than bad drivers. Even a single moving violation may increase your cost forty percent or more. If you have serious violations like hit and run, DWI or reckless driving convictions may find they need to file a SR-22 to the state department of motor vehicles in order to continue driving.
  • You might want pay the small claims yourself – If you frequently file small claims, you can look forward to higher rates. Car insurance companies provide cheaper rates to drivers who do not rely on their insurance for small claims. Insurance coverage is meant to be used in the event of larger claims.
  • Better crash test results mean better rates – Vehicles with high crash test scores are cheaper to insure. Safe vehicles reduce injuries and lower injury rates means lower claim amounts and more competitive rates for policyholders. If your Volvo scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website you may qualify for a discount.
  • Discounts for married couples – Getting married can actually save you money when buying auto insurance. Having a spouse usually means you are more mature it has been statistically shown that being married results in fewer claims.

Car insurance 101

Having a good grasp of your insurance policy can be of help when determining the right coverages and the correct deductibles and limits. Insurance terms can be difficult to understand and coverage can change by endorsement. Listed below are typical coverage types offered by insurance companies.

Medical costs insurance

Medical payments and Personal Injury Protection insurance reimburse you for bills like prosthetic devices, funeral costs, rehabilitation expenses and EMT expenses. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover you and your occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Volvo XC90.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Coverage for collisions

This pays for damage to your XC90 resulting from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers things like sustaining damage from a pot hole, crashing into a ditch, colliding with a tree, scraping a guard rail and hitting a mailbox. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. You can also raise the deductible to save money on collision insurance.

Comprehensive or Other Than Collision

Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like hitting a bird, damage from flooding and a broken windshield. The most a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability auto insurance

This coverage provides protection from damage that occurs to a person or their property in an accident. It protects you from legal claims by others. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 25/50/25 which means $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged property.

Liability can pay for things like court costs, emergency aid, legal defense fees and medical services. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Shop around and save

When trying to cut insurance costs, it’s a bad idea to sacrifice coverage to reduce premiums. In many cases, an insured dropped liability limits or collision coverage only to regret that the few dollars in savings costed them thousands. Your strategy should be to find the BEST coverage for the lowest price while still protecting your assets.

The cheapest 2004 Volvo XC90 insurance can be sourced from both online companies in addition to many insurance agents, so you should be comparing quotes from both to get a complete price analysis. A few companies do not provide online quoting and most of the time these small insurance companies sell through independent agents.

Additional resources

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2004 Volvo XC90 Insurance Rates by City
City Premium
New York City, NY $1,578
Los Angeles, CA $1,707
Philadelphia, PA $1,333
Jacksonville, FL $1,448
Phoenix, AZ $1,159
Chicago, IL $1,339
Houston, TX $1,563
Seattle, WA $973
Columbus, OH $835
Indianapolis, IN $850

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2004 Volvo XC90 Insurance Rates by Driver Age
Driver Age Premium
16 $3,998
20 $2,272
30 $1,014
40 $998
50 $916
60 $896

Full coverage, $500 deductibles

Rates by Deductible

2004 Volvo XC90 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,160
$250 $1,086
$500 $998
$1,000 $910

Full coverage, driver age 40

Rates by Liability Limit

Volvo XC90 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $998
50/100 $1,090
100/300 $1,205
250/500 $1,504
100 CSL $1,136
300 CSL $1,389
500 CSL $1,573

Full coverage, driver age 40

Rates for High Risk Drivers

2004 Volvo XC90 Insurance Rates for High Risk Drivers
Age Premium
16 $5,628
20 $3,616
30 $2,158
40 $2,138
50 $2,046
60 $2,026

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 $132

Potential Rate Discounts

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

Discount Savings
Multi-policy $50
Multi-vehicle $53
Homeowner $18
5-yr Accident Free $60
5-yr Claim Free $62
Paid in Full/EFT $36
Advance Quote $43
Online Quote $67
Total Discounts $389
Rate after discounts $609

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

Find companies with the cheapest rates in your area

2004 Volvo XC90 Insurance Rates by State
State Premium
Alabama $902
Alaska $766
Arizona $828
Arkansas $998
California $1,138
Colorado $954
Connecticut $1,026
Delaware $1,130
Florida $1,248
Georgia $920
Hawaii $718
Idaho $676
Illinois $744
Indiana $752
Iowa $672
Kansas $948
Kentucky $1,362
Louisiana $1,476
Maine $616
Maryland $824
Massachusetts $800
Michigan $1,734
Minnesota $836
Mississippi $1,196
Missouri $884
Montana $1,072
Nebraska $788
Nevada $1,198
New Hampshire $720
New Jersey $1,116
New Mexico $884
New York $1,052
North Carolina $574
North Dakota $816
Ohio $690
Oklahoma $1,026
Oregon $914
Pennsylvania $952
Rhode Island $1,332
South Carolina $904
South Dakota $842
Tennessee $874
Texas $1,202
Utah $738
Vermont $684
Virginia $596
Washington $772
West Virginia $916
Wisconsin $690
Wyoming $890

Free Auto Insurance Comparison

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

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