Volvo XC 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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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Feb 28, 2020

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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. 

There are many options when buying insurance for your Volvo XC. You can buy direct from an agent or shop online to compare rates from multiple companies. online is easy and there is a good chance you can save money.

shopping for insurance may think buying cheap Volvo XC insurance is very challenging. Finding lower Volvo XC insurance cost is not rocket science. You just have to spend a little time getting comparison quotes from different insurance companies. by comparing rates here.

Car insurance premiums for a Volvo XC will vary greatly based upon several criteria. Some of these factors include:

  • The performance level of your XC
  • Your accident history
  • Use of your vehicle
  • Extra coverages like towing and rental
  • Your claim history
  • No coverage lapses saves money
  • Whether you own your home

An additional factor Volvo XC insurance rates is the year of the vehicle. Newer models than older models so repair costs are higher which will push premiums up. Conversely, newer models may have safety features such as adaptive cruise control, blind-spot warning system, autonomous braking, and anti-lock brakes so those may lower rates.

Liability coverage - Liability insurance protects you from damage that occurs to other people or property Liability insurance covers things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Liability insurance is relatively cheap so you should buy as much as you can afford.

Collision coverage - pays for damage to your XC caused by collision with another car or object. You have to pay a deductible and then insurance will cover the remainder. Volvo XC collision insurance is rather expensive coverage, so consider dropping it from older vehicles. You can also raise the deductible to bring the cost down.

Comprehensive coverage - Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage. The maximum amount you'll receive from a claim is the actual cash value, so if it's not worth much more than your deductible consider dropping full coverage.

Uninsured/Underinsured Motorist coverage - Your UM/UIM coverage protects you and your vehicle's occupants from other drivers when they do not carry enough liability coverage. only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage .

Medical payments coverage and PIP - Med pay and PIP coverage provide coverage for short-term medical expenses such as nursing services, prosthetic devices, and dental work. They are often used to fill the gap from your health insurance plan or if you do not have health coverage. PIP is not available in all states and gives slightly broader coverage than med pay.

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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