Best Volvo XC90 Auto Insurance in 2024 (Compare the Top 10 Companies)

The best providers for Volvo XC90 auto insurance are Allstate, AAA, and Travelers, with rates starting at just $22 per month. These companies offer excellent coverage options and competitive pricing, making them ideal choices for managing your Volvo insurance cost. Allstate stands out as the top pick overall for the best value and service.

The article also explores various factors that affect auto insurance rates, providing insight into how different elements influence premiums. Understanding these factors can help you find cheap Volvo car insurance and make more informed decisions about your coverage options, ensuring you get the best value for your investment.

Our Top 10 Company Picks: Best Volvo XC90 Auto Insurance

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#1 – Allstate: Top Overall Pick

Pros

• Competitive Coverage Options: Allstate offers comprehensive coverage plans that include protection for the Volvo XC90’s advanced safety features. Their plans often cover collision and comprehensive insurance, ensuring you are well-protected against various types of damage and theft.
• Strong Customer Service: Allstate is known for its responsive customer service, which can be crucial for handling claims efficiently. With their user-friendly mobile app and 24/7 support, you can easily manage your Volvo XC90 insurance policy and file claims. Learn more details in our page, Allstate auto insurance review.
• Discount Opportunities: Allstate provides several discounts that can help reduce your Volvo XC90 insurance costs, such as discounts for having safety features like automatic emergency braking or for bundling auto with home insurance. These discounts can lead to significant savings on your premiums.

Cons

• Higher Premiums: With an average premium of $160 per month, Allstate’s rates are relatively high compared to other providers. This higher cost may not be ideal for those looking to minimize their Volvo XC90 insurance expenses.
• Limited Customization: While Allstate offers solid coverage options, their policies might lack flexibility in customization compared to other providers. This could limit your ability to tailor coverage specifically to your Volvo XC90’s needs.

#2 – AAA: Best for Coverage Options

Pros

• Affordable Rates: As outlined in our AAA auto insurance review, AAA offers competitive rates for Volvo XC90 insurance, with an average monthly premium of $86. This affordability makes it an attractive option for budget-conscious drivers without compromising on coverage.
• Roadside Assistance Included: AAA’s policies often come with complimentary roadside assistance, which can be particularly valuable for Volvo XC90 owners who travel frequently. This feature provides peace of mind with services such as towing and emergency fuel delivery.
• Discounts for Membership: AAA members can benefit from exclusive discounts on Volvo XC90 insurance, which can significantly lower your premium. Membership in AAA also includes additional perks like travel and automotive discounts.

Cons

• Limited Coverage Options: AAA’s insurance policies may offer fewer optional coverages and add-ons compared to other providers. This limitation might affect those seeking more comprehensive or specialized insurance solutions for their Volvo XC90.
• Regional Variability: AAA’s insurance offerings can vary significantly by region, which may result in inconsistent coverage levels and pricing. This variability could impact the quality and cost of insurance for your Volvo XC90 depending on where you live.

#3 – Travelers: Best for Roadside Assistance

Pros

• Flexible Coverage Plans: Travelers provides flexible coverage options that can be tailored to the needs of Volvo XC90 owners. Their policies often include options for customization, allowing you to adjust coverage based on your specific requirements.
• Good Discounts for Safe Drivers: Travelers offers significant discounts for safe driving records. If you have a clean driving history, you could benefit from lower premiums on your Volvo XC90 insurance, making it a cost-effective choice for responsible drivers.
• Strong Financial Stability: As mentioned in our Travelers auto insurance review, Travelers is known for its strong financial stability and reliability. This ensures that claims for your Volvo XC90 are handled efficiently and that the company can cover any claims made against your policy.

Cons

• Higher Rates for Younger Drivers: Travelers’ insurance rates for younger drivers can be higher, which might be a drawback if your Volvo XC90 is driven by a young driver. This could result in increased premiums compared to other providers.
• Customer Service Complaints: Some customers have reported issues with Travelers’ customer service, including delays in claims processing. This could impact your experience if you need to file a claim for your Volvo XC90.

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#4 – American Family: Best for Customer Service

Pros

• Comprehensive Coverage Options: American Family offers a range of comprehensive coverage options for the Volvo XC90, including collision, comprehensive, and liability coverage. Their policies ensure robust protection against various risks and damages.
• Excellent Discounts for Bundling: As outlined in American Family auto insurance review, American Family provides substantial discounts for bundling auto insurance with other types of insurance, such as home or renters insurance. This can result in significant savings on your Volvo XC90 premiums.
• Roadside Assistance and Rental Car Coverage: Their policies often include roadside assistance and rental car coverage, which can be beneficial if your Volvo XC90 is in the shop or if you encounter roadside emergencies.

Cons

• Higher Premiums for Older Models: American Family’s premiums can be higher for older Volvo XC90 models. This might make their insurance less cost-effective if you own an older model and are looking to keep costs down.
• Limited National Presence: American Family’s availability is not nationwide for Volvo XC90, which could limit access to their policies depending on your location. This might be a consideration if you are relocating or traveling frequently.

#5 – Liberty Mutual: Best for Online Management

Pros

• Extensive Coverage Options: Liberty Mutual offers extensive coverage options, including specialized coverage for high-value Volvo XC90 models. Their policies often include advanced protection features such as new car replacement and accident forgiveness.
• Multiple Discounts Available: Liberty Mutual provides various discounts that can help lower your Volvo XC90 insurance costs, such as discounts for safety features and multiple policies. These discounts can significantly reduce your overall premium.
• Customizable Policies: As mentioned in our Liberty Mutual auto insurance review, Liberty Mutual allows for high levels of customization in their insurance policies. You can tailor your coverage to fit the specific needs of your Volvo XC90, ensuring that all potential risks are covered.

Cons

• Expensive Premiums: With an average monthly premium of $174, Liberty Mutual’s rates are on the higher side. This can be a drawback if you are looking for more affordable insurance options for your Volvo XC90.
• Mixed Customer Reviews: Liberty Mutual has received mixed reviews regarding customer service, with some customers reporting slow response times and issues with claims handling. This could affect your experience if you need to file a claim for your Volvo XC90.

#6 – Progressive: Best for Loyalty Rewards

Pros

• Competitive Rates for Various Drivers: Progressive offers competitive rates for a wide range of drivers, including those with a clean driving record. Their premiums for Volvo XC90 insurance are relatively affordable, making it a good option for many.
• Discounts for Safety Features: As mentioned in Progressive auto insurance review, Progressive provides discounts for vehicles equipped with advanced safety features. Since the Volvo XC90 comes with numerous safety technologies, you can benefit from lower premiums due to these features.
• User-Friendly Online Tools: Progressive’s online tools and mobile app are highly rated, offering an easy way to manage your Volvo XC90 insurance policy, get quotes, and file claims. This can enhance your overall insurance experience.

Cons

• Potential for Rate Increases: Progressive’s rates may increase over time due to factors such as claims history or changes in risk assessments. This could result in higher premiums for your Volvo XC90 if you make a claim.
• Limited Local Office Support: Progressive relies heavily on online and phone support, which might be a drawback if you prefer in-person customer service. This could impact your experience if you need face-to-face assistance with your Volvo XC90 insurance.

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#7 – Auto-Owners: Best for Accident-Free Drivers

Pros

• Affordable Premiums: As mentioned in our Auto-Owners auto insurance review, Auto-Owners offers some of the most competitive rates for Volvo XC90 insurance, with an average premium of $87. This affordability makes it an appealing choice for budget-conscious drivers.
• Excellent Customer Service: Auto-Owners is known for its high level of customer service, including quick response times and personalized support. This can be beneficial when managing your Volvo XC90 insurance policy and handling claims.
• Strong Coverage Options: Auto-Owners provides strong coverage options, including comprehensive and collision insurance. Their policies are designed to protect your Volvo XC90 against a wide range of potential risks.

Cons

• Limited National Availability: Auto-Owners is not available in all states for Volvo XC90, which may limit access to their insurance policies depending on your location. This can be a significant factor if you live outside their service area.
• Basic Discounts: While Auto-Owners offers discounts, they may not be as extensive or varied as those provided by larger insurers. This could mean fewer opportunities to reduce your Volvo XC90 insurance costs.

#8 – USAA: Best for Roadside Assistance

Pros

• Lowest Premiums: USAA offers the lowest average premium for Volvo XC90 insurance at $59 per month. This makes it an excellent choice for those seeking the most cost-effective insurance option.
• Comprehensive Coverage for Military Families: USAA provides comprehensive coverage tailored specifically for military families. This can be particularly advantageous if you have a Volvo XC90 and are eligible for their specialized coverage options.
• High Customer Satisfaction: As outlined in our USAA auto insurance review, USAA consistently receives high marks for customer satisfaction and service. Their reputation for excellent support can make managing your Volvo XC90 insurance straightforward and stress-free.

Cons

• Limited Eligibility: USAA’s insurance is only available to military members, veterans, and their families. This restricts access to their competitive rates and coverage options for your Volvo XC90 if you do not meet their eligibility criteria.
• Less Flexible Policy Options: USAA’s policy options might be less flexible compared to other insurers. This could impact your ability to customize coverage specifically for your Volvo XC90, depending on your unique needs.

#9 – Safeco: Best for Diminishing Deductible

Pros

• Affordable Premiums: As outlined in Safeco auto insurance review, Safecooffers competitive rates for Volvo XC90 insurance, with an average monthly premium of $71. This affordability makes Safeco a strong option for those looking to save on their insurance costs.
• Comprehensive Coverage Plans: Safeco provides comprehensive coverage options that include protection for the Volvo XC90’s advanced safety features. This ensures that you have robust coverage against various types of damage and loss.
• Good Discount Opportunities: Safeco offers several discounts, including those for safe driving and advanced safety features. These discounts can help reduce your overall premium for Volvo XC90 insurance.

Cons

• Limited Local Office Support: Safeco has fewer local offices compared to other insurers, which might be a drawback if you prefer in-person customer service. This could impact your experience when handling your Volvo XC90 insurance needs.
• Customer Service Variability: Safeco’s customer service can be inconsistent, with some customers reporting delays and issues in claims processing. This variability could affect your experience with managing and filing claims for your Volvo XC90 insurance.

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#10 – Farmers: Best for Online Tools

Pros

• Wide Range of Coverage Options: Farmers offers a comprehensive range of coverage options for Volvo XC90 owners, including collision, comprehensive, and liability insurance. Their policies are designed to cover various risks associated with owning a Volvo XC90. Check their rates in our Farmers auto insurance review.
• Good Discounts for Bundling Policies: Farmers provides significant discounts if you bundle your Volvo XC90 insurance with other types of insurance, such as home or life insurance. This can result in considerable savings on your overall premiums.
• Strong Local Agent Network: Farmers has a robust network of local agents who can provide personalized service and help tailor your Volvo XC90 insurance policy to meet your specific needs. This local presence can enhance your insurance experience.

Cons

• Higher Premiums: With an average premium of $139 per month, Farmers’ rates are higher compared to some other providers. This could be a drawback if you are looking for more affordable insurance options for your Volvo XC90.
• Mixed Customer Feedback: Farmers has received mixed reviews regarding customer service and claims handling. Some customers have reported slower response times and difficulties with claims, which could impact your experience with Volvo XC90 insurance.

Volvo XC90 Premiums

The Volvo XC90 is known for its safety and reliability. Here are the monthly insurance rates for the Volvo XC90 from various providers, broken down by coverage level.

Volvo XC90 Auto Insurance Monthly Rates by Coverage Level & Provider

By comparing these rates, you can find the best option that fits your budget and coverage needs. It’s important to consider both minimum and full coverage auto insurance options to ensure you have the right protection.

When considering insurance for your Volvo XC90 check out these insurance rates, factoring in various discount rates and driver situations.

Volvo XC90 Auto Insurance Monthly Rates by Coverage Type

This comparison allows you to see how factors like deductibles and driver risk levels can impact your insurance costs. By understanding these variables, you can make informed decisions and potentially find ways to reduce your insurance expenses for your Volvo XC90.

Are Volvo XC90s Expensive to Insure

The chart below details how Volvo XC90 insurance rates compare to other SUVs like the Lexus RX 350, Ford Expedition, and Chevrolet Tahoe.

Volvo XC90 Auto Insurance Monthly Rates vs. Similar Vehicles by Coverage Type

However, there are a few things you can do to find the cheapest Volvo insurance rates online. Shopping around, comparing quotes from different providers, and considering factors like coverage options and deductibles can help you secure the best rates.

Look for auto insurance discounts that you may be eligible for, such as multi-policy or safe driver discounts, to further reduce your insurance costs.

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Factors Influencing the Cost of Volvo XC90 Insurance

You might have noticed that there are a multitude of factors that affect auto insurance rates. Your age, location, driving record, and model year all play a role in what you will ultimately pay to insure the Volvo XC90.

Age of the Vehicle

Insurance for older Volvo XC90s is typically more affordable. For instance, there is a $30 monthly difference between the insurance rates for a 2010 Volvo XC90 and a 2020 model—$120 vs. $150.

Volvo XC90 Auto Insurance Monthly Rates by Age of the Vehicle

It’s beneficial to consider the age of the vehicle when shopping for insurance. Older models might be more cost-effective in terms of premiums. Make sure to compare quotes from different providers to find the best rate for your specific model year.

Driver Age

Insurance for a Volvo XC90 can be expensive depending on the driver’s age. Because they do not yet have the necessary experience behind the wheel, younger drivers typically pay more. Here are the insurance rates for different age groups.

Volvo XC90 Auto Insurance Monthly Rates by Age

Younger drivers can mitigate high insurance costs by maintaining a clean driving record and taking advantage of any available discounts. Older drivers generally benefit from lower rates, reflecting their greater experience behind the wheel.

Driver Location

Where you live can have a large impact on Volvo XC90 insurance rates. Insurance premiums vary widely depending on the location due to factors like traffic density and local crime rates. Here are the insurance rates for different U.S. cities.

Volvo XC90 Auto Insurance Monthly Rates by City

Consider your location when budgeting for car insurance. Urban areas tend to have higher rates due to increased risk factors. It’s advisable to compare rates from various insurers to find the most competitive price for your area.

Your Driving Record

Your driving record can have an impact on the cost of Volvo XC90 auto insurance. Teens and drivers in their 20’s see the highest jump in their Volvo XC90 auto insurance with violations on their driving record.

Volvo XC90 Auto Insurance Monthly Rates by Age & Driving Record

Safe driving habits can help you avoid surcharges and take advantage of good driver discounts. Review your driving record regularly and address any discrepancies with your insurer.

Crash Test Ratings

The rates that you pay for auto insurance for your Volvo XC90 can be affected by its crash test ratings. Insuring a vehicle with a good score in crash tests can save you money. Here are the crash test ratings for the Volvo XC90.

Volvo XC90 Crash Test Ratings

High crash test ratings can lead to lower insurance premiums. The Volvo XC90 consistently performs well in safety tests, making it a favorable choice for safety-conscious drivers. Always check the latest crash test ratings when considering a new vehicle.

Volvo XC90 Safety Features

The more safety features you have on your Volvo XC90, the more likely it is that you can earn a discount. Safety features reduce the risk of accidents and injuries, potentially lowering insurance premiums. The Volvo XC90’s safety features include:

• Driver and Passenger Air Bags: Protects the driver and passengers by deploying during a collision to cushion the impact and reduce injuries.
• Electronic Stability Control: Helps maintain vehicle control by automatically applying brakes to individual wheels if the car begins to skid.
• Blind Spot Monitor: Alerts the driver to vehicles or objects in the car’s blind spots, reducing the risk of accidents during lane changes.
• Lane Departure Warning: Warns the driver when the vehicle begins to drift out of its lane without signaling, helping prevent accidents caused by unintentional lane departure.

Investing in a vehicle with advanced safety features can result in significant insurance discounts. Ensure your Volvo XC90 is equipped with these features to enhance safety and potentially lower your insurance costs.

Volvo XC90 Finance and Insurance Cost

If you are financing a Volvo XC90, most lenders will require you to carry higher coverage options, including comprehensive auto insurance. This ensures the vehicle is fully protected in case of an accident or theft. Be sure to shop around and compare Volvo XC90 auto insurance quotes from the best companies using our free tool below.

Comparing insurance quotes can help you find the best rates for your financed vehicle. It’s important to meet lender requirements while also finding a policy that fits your budget. Take advantage of comparison tools to streamline your search for the right insurance coverage.

Saving on Volvo XC90 Insurance Costs

You have more options at your disposal to save money on your Volvo XC90 auto insurance costs. For example, try taking advantage of the following five strategies to reduce your Volvo XC90 auto insurance rates:

• Start searching for new Volvo Xc90 insurance rates a month before your renewal.
• Reduce modifications on your Volvo Xc90.
• Use paperless billing for your Volvo Xc90 auto insurance policy.
• Buy a dashcam for your Volvo Xc90.
• Ask about discounts for people with disabilities.

Be proactive and explore all available discounts and options, you can ensure that you’re getting the best possible rate for your coverage. Always review your policy and compare quotes regularly to keep your insurance expenses in check while maintaining the necessary protection for your vehicle.

Taking advantage of discounts can greatly reduce your Volvo XC90 auto insurance costs. Here are some of the available discounts from top insurance providers:

Utilizing discounts can lead to substantial savings on your insurance premiums. Be sure to inquire about available discounts, such as the multi-policy auto insurance discount, which can significantly reduce your costs.

Additionally, regularly update your provider if you qualify for any new discounts to maximize your savings. For more tips on saving for your new Volvo XC90, check out our article titled “How to Get a New Car Auto Insurance Discount.”

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Volvo XC90 Leading Companies

For a Volvo XC90, which insurance provider do you recommend? Here are a few of the best Volvo XC90 auto insurance providers, ranked by market share, though your actual rates may vary depending on a number of factors. Learn more by reading our guide titled, “What are the benefits of auto insurance?“

Top Volvo XC90 Insurance Companies

The Volvo XC90 comes equipped with a number of safety features, and many of these businesses provide discounts on their security systems.

If you’re just looking for coverage to drive legally, enter your ZIP code below to compare cheap auto insurance quotes near you.

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