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2009 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 2009 Volvo XC90 are $1,158 a year for full coverage insurance. Comprehensive costs on average $210, collision costs $316, and liability costs $474. Buying a liability-only policy costs as little as $522 a year, with high-risk insurance costing around $2,496. Teenage drivers receive the highest rates at $4,536 a year or more.

Annual premium for full coverage: $1,158

Rate estimates for 2009 Volvo XC90 Insurance

Comprehensive $210
Collision $316
Liability $474

Rate data is compiled from all 50 U.S. states and averaged for all 2009 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 $522 for just liability coverage to the much higher price of $2,496 for a driver who has had serious violations or accidents.

Liability Only $522
Full Coverage $1,158
High Risk $2,496

View Chart as Image

2009 Volvo XC90 insurance rates compared
Column chart showing 2009 Volvo XC90 insurance prices range from $688 to $4,536 for full coverage

These differences illustrate why everyone should compare rates based on a specific location and risk profile, instead of making a decision based 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 2009 Volvo XC90 Insurance

Searching Companies

Trying to find the cheapest insurance coverage rates for your Volvo XC90? Finding affordable insurance coverage can be difficult for people who are new to comparison shopping online. Consumers have so many options that it can quickly become a ton of work to locate the lowest price.

Lots of discounts mean lots of savings

Car insurance is not cheap, but you can get discounts that many people don’t even know exist. A few discounts will automatically apply when you complete an application, but lesser-known reductions have to be asked about before they will apply.

  • Use Seat Belts – Drivers who require all occupants to use a seat belt can save 10% or more off your medical payments premium.
  • No Claims – Drivers who don’t have accidents pay much less compared to frequent claim filers.
  • Pay Now and Pay Less – If you pay your bill all at once instead of monthly or quarterly installments you could save up to 5%.
  • Sign Online – A handful of insurance companies give back up to $50 for buying your policy on their website.
  • Drivers Education – Require your teen driver to complete a driver education course in high school.
  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes can reduce accidents and qualify for as much as a 10% discount.
  • Distant Student – Children who attend school more than 100 miles from home and do not have access to a covered vehicle can be insured at a reduced rate.
  • Good Student Discount – A discount for being a good student can get you a discount of up to 25%. The discount lasts up until you turn 25.
  • New Car Discount – Adding a new car to your policy can cost up to 25% less due to better safety requirements for new cars.

A little note about advertised discounts, most discounts do not apply the whole policy. A few only apply to individual premiums such as liability, collision or medical payments. So even though they make it sound like having all the discounts means you get insurance for free, companies wouldn’t make money that way. But all discounts will bring down your overall premium however.

To see a list of insurers offering car insurance discounts, click this link.

Situations that might require an agent

When it comes to buying proper insurance coverage for your personal vehicles, there isn’t really a one size fits all plan. Everyone’s needs are different.

For example, these questions might point out if your insurance needs would benefit from an agent’s advice.

  • Is my 2009 Volvo XC90 covered for smoke damage?
  • Am I covered if I hit a deer?
  • How high should my medical payments coverage be?
  • When should I buy a commercial auto policy?
  • Are my friends covered when driving my car?
  • What discounts do I qualify for?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. To find an agent in your area, complete this form.

Don’t believe everything you hear

Car insurance companies such as State Farm and Allstate constantly bombard you with ads on TV and radio. They all seem to make the same claim that you can save if you switch your policy. How do they all say the same thing?

Different companies have a certain “appetite” for the type of customer that makes them money. For instance, a preferred risk could possibly be over the age of 40, a clean driving record, and drives less than 10,000 miles a year. A customer getting a price quote that hits that “sweet spot” receives the best rates and is almost guaranteed to save a lot of money.

Potential customers who don’t measure up to these standards must pay more money which leads to business not being written. Company advertisements say “customers who switch” but not “drivers who get quotes” save that kind of money. This is how insurance companies can confidently make those claims.

This illustrates why drivers must get as many comparisons as possible. It is impossible to predict the company that will have the lowest Volvo XC90 insurance rates.

Free Auto Insurance Comparison

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

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Auto insurance coverages

Understanding the coverages of your auto insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. Auto insurance terms can be impossible to understand and coverage can change by endorsement.

Medical expense insurance

Med pay and PIP coverage reimburse you for expenses like EMT expenses, hospital visits and pain medications. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Comprehensive (Other than Collision)

This pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as a tree branch falling on your vehicle, damage from flooding and hitting a bird. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision insurance

Collision coverage will pay to fix damage to your XC90 caused by collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims like sideswiping another vehicle, hitting a mailbox, crashing into a ditch and damaging your car on a curb. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also increase the deductible in order to get cheaper collision rates.

Liability coverages

Liability insurance protects you from damage or injury you incur to other’s property or people that is your fault. It protects YOU against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 50/100/50 that translate to a limit of $50,000 per injured person, $100,000 for the entire accident, and property damage coverage for $50,000. Some companies may use one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.

Liability insurance covers claims like loss of income, court costs and repair bills for other people’s vehicles. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your Volvo XC90.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually these limits do not exceed the liability coverage limits.

Pennies from heaven

Consumers who switch companies do it for a variety of reasons including policy non-renewal, unfair underwriting practices, policy cancellation and delays in responding to claim requests. It doesn’t matter what your reason, choosing a new insurance company is pretty simple and you could end up saving a buck or two.

Low-cost 2009 Volvo XC90 insurance can be found on the web as well as from independent agents, and you should be comparing both to have the best rate selection. Some insurance companies don’t offer the ability to get a quote online and these regional insurance providers work with independent agents.

When you buy insurance online, it’s very important that you do not reduce needed coverages to save money. There are too many instances where someone dropped liability coverage limits and found out when filing a claim that the savings was not a smart move. Your strategy should be to buy a smart amount of coverage for the lowest price.

Other information

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2009 Volvo XC90 Insurance Rates by City
City Premium
New York City, NY $1,830
Los Angeles, CA $1,980
Philadelphia, PA $1,548
Jacksonville, FL $1,682
Phoenix, AZ $1,344
Chicago, IL $1,552
Houston, TX $1,815
Seattle, WA $1,129
Columbus, OH $968
Indianapolis, IN $983

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2009 Volvo XC90 Insurance Rates by Driver Age
Driver Age Premium
16 $4,536
20 $2,652
30 $1,188
40 $1,158
50 $1,060
60 $1,040

Full coverage, $500 deductibles

Rates by Deductible

2009 Volvo XC90 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,386
$250 $1,282
$500 $1,158
$1,000 $1,038

Full coverage, driver age 40

Rates by Liability Limit

Volvo XC90 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,158
50/100 $1,253
100/300 $1,371
250/500 $1,679
100 CSL $1,300
300 CSL $1,561
500 CSL $1,751

Full coverage, driver age 40

Rates for High Risk Drivers

2009 Volvo XC90 Insurance Rates for High Risk Drivers
Age Premium
16 $6,422
20 $4,230
30 $2,530
40 $2,496
50 $2,386
60 $2,362

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 $158

Potential Rate Discounts

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

Discount Savings
Multi-policy $60
Multi-vehicle $62
Homeowner $19
5-yr Accident Free $76
5-yr Claim Free $74
Paid in Full/EFT $46
Advance Quote $53
Online Quote $80
Total Discounts $470
Rate after discounts $688

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

Find companies with the cheapest rates in your area

2009 Volvo XC90 Insurance Rates by State
State Premium
Alabama $1,046
Alaska $888
Arizona $960
Arkansas $1,158
California $1,320
Colorado $1,106
Connecticut $1,190
Delaware $1,310
Florida $1,450
Georgia $1,066
Hawaii $832
Idaho $782
Illinois $862
Indiana $870
Iowa $780
Kansas $1,102
Kentucky $1,580
Louisiana $1,712
Maine $714
Maryland $954
Massachusetts $926
Michigan $2,012
Minnesota $968
Mississippi $1,386
Missouri $1,028
Montana $1,242
Nebraska $912
Nevada $1,388
New Hampshire $834
New Jersey $1,294
New Mexico $1,024
New York $1,220
North Carolina $668
North Dakota $948
Ohio $800
Oklahoma $1,190
Oregon $1,060
Pennsylvania $1,106
Rhode Island $1,544
South Carolina $1,048
South Dakota $978
Tennessee $1,014
Texas $1,396
Utah $858
Vermont $794
Virginia $692
Washington $896
West Virginia $1,060
Wisconsin $802
Wyoming $1,032

Free Auto Insurance Comparison

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