Volvo XC Insurance Rates
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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.
Buying auto insurance through online providers saves time, is easy to do, plus you might just save a little. The key to finding lower rates is to compare rates from all providers in order to accurately compare the lowest priced insurance.
Shopping online for auto insurance can be difficult if you are a beginner to online rate quotes. But relax because comparing prices is actually very simple. When shopping for auto insurance there are multiple ways to compare quotes from auto insurance companies in your area. The best way to find the cheapest Volvo XC insurance cost is to get quotes online. This can be done by getting a quick quote here.
Auto insurance rates paid to insure a Volvo XC will vary greatly and are calculated by many factors. Including but not limited to:
- Tickets increase premiums
- Your credit history
- Where you live
- Annual mileage can affect rates
- Your gender can raise or lower rates
- The deductible you choose
- Crash test rating for your XC
- What you do for a living
- The amount of protection requested
- Home ownership saves money
A final factor that helps determine Volvo XC insurance rates is the model year. Older models have a lower value in comparison to older models so the costs to repair may end up costing you less. But newer models may have a trim level with safety features including all-wheel drive, a telematics system, and autonomous braking so those may help offset higher rates.
Liability auto insurance - damage or injury you incur to claims like pain and suffering, repair costs for stationary objects, and legal defense fees. .
Auto collision coverage - a stationary object or other vehicle. . , . .
Comprehensive coverage (or Other than Collision) - from a wide range of events other than collision. . your auto insurance company will pay , .
Coverage for uninsured or underinsured drivers - Uninsured or Underinsured Motorist coverage . , . .
Medical expense insurance - immediate expenses EMT expenses, pain medications, and nursing services. . .
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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