Cheap Volvo XC90 Car Insurance in 2024 (Save Money With These 10 Companies)
Explore the best providers for cheap Volvo XC90 Car insurance from Erie, Progressive, and Mercury starting at just $58 monthly. These companies offer competitive rates, comprehensive coverage, and excellent customer service, making them the top choices for Volvo XC90 enthusiasts who want quality insurance.
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Travis Thompson
Licensed Insurance Agent
Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...
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UPDATED: Aug 19, 2024
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Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Aug 19, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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Erie, Progressive, and Nationwide are top choices for cheap Volvo XC90 car insurance that starts at just $58. These insurers are known for their comprehensive coverage options and competitive rates.
Car insurance is an essential expense for any vehicle owner, and the Volvo XC90 is no exception. If you’re considering purchasing this luxurious SUV, understanding the cost of car insurance is crucial in managing your overall expenses.
Our Top 10 Company Picks: Cheap Volvo XC90 Car Insurance
Company Rank Monthly Rates A.M. Best Best For Jump to Pros/Cons
#1 $58 A+ Customer Satisfaction Erie
#2 $60 A+ Competitive Rates Progressive
#3 $62 A Budget Friendly Mercury
#4 $68 B Reliable Coverage State Farm
#5 $70 A+ Extensive Discounts Allstate
#6 $72 A Comprehensive Options American Family
#7 $75 A++ Flexible Policies Travelers
#8 $78 A Wide Coverage Farmers
#9 $80 A+ Customer Loyalty Nationwide
#10 $85 A Safety Features Liberty Mutual
In this article, we will explore all the factors that determine Volvo XC90 car insurance rates and provide you with valuable insights to help you find the most affordable coverage.
To learn more, explore our comprehensive resource on “Best Car Insurance Discounts to Ask for.” Enter your ZIP code now.
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#1 – Erie: Top Overall Pick
Pros
- Competitive Rates: With an average monthly rate of $58, Erie offers some of the lowest premiums, making it a budget-friendly choice for Volvo XC90 owners. This pricing can be especially advantageous for those who want to keep insurance costs low without compromising coverage.
- Excellent Customer Satisfaction: Erie has a top-notch A+ rating from A.M. Best and is renowned for its high customer satisfaction levels. This reflects a commitment to excellent service and reliable claims handling, which is crucial for Volvo XC90 drivers seeking dependable support. Read more through our Erie insurance review.
- Comprehensive Coverage Options: Erie provides a range of coverage options, including enhancements that can be tailored to individual needs. This ensures that Volvo XC90 enthusiasts can customize their policies to fit their specific driving habits and preferences.
Cons
- Limited State Availability: Erie is not available in all states, which can restrict access for some potential customers. Volvo XC90 drivers outside Erie’s service areas might need to look for alternatives.
- Less Advanced Online Tools: Their online quoting and management tools are not as sophisticated as those of some competitors, potentially leading to a less seamless digital experience for tech-savvy Volvo XC90 owners.
#2 – Progressive: Best for Competitive Rates
Pros
- Competitive Rates: At an average monthly rate of $60, Progressive provides very competitive pricing, particularly through their Snapshot program for usage-based insurance. This can be ideal for Volvo XC90 drivers who prefer personalized rates based on their driving behavior.
- Wide Range of Discounts: Progressive offers numerous discounts, including for safe driving, multi-policy bundles, and usage-based insurance, helping Volvo XC90 enthusiasts save on their premiums. See more details on our guide “Progressive Insurance Review & Ratings.”
- Flexible Coverage Options: Their policies are highly customizable, allowing Volvo XC90 owners to select coverage options that best meet their individual needs. This flexibility ensures comprehensive protection tailored to their specific driving conditions.
Cons
- Customer Service Issues: Some users report slower response times and less personalized service, which can affect overall satisfaction. This might be a concern for Volvo XC90 owners who prioritize direct and efficient support.
- Complex Pricing Structure: The array of options and discounts can make it difficult for users to fully understand their final premium costs. This complexity can be confusing for Volvo XC90 drivers seeking clarity on their insurance expenses.
#3 – Mercury: Best for Budget Friendly
Pros
- Affordable Premiums: With an average monthly rate of $62, Mercury is known for offering budget-friendly insurance options, making it a good choice for Volvo XC90 owners who want to keep insurance costs manageable.
- Positive Customer Service Reviews: Mercury generally receives favorable reviews for its customer service and claims handling, reflecting its commitment to support and satisfaction for Volvo XC90 drivers.
- Discounts for Safety Features: Mercury provides discounts for vehicles equipped with advanced safety technologies, helping Volvo XC90 enthusiasts save while ensuring their vehicles are well-protected. Read more through our “Mercury insurance review.”
Cons
- Limited Coverage Options: Compared to larger insurers, Mercury may not offer as many coverage options or add-ons, potentially limiting customization for Volvo XC90 drivers.
- State Availability: Mercury is available in fewer states than some competitors, which can restrict access for Volvo XC90 owners outside their service areas.
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#4 – State Farm: Best for Reliable Coverage
Pros
- Reliable Coverage: With an average monthly rate of $68 and a B rating from A.M. Best, State Farm is known for providing dependable insurance coverage and strong financial stability. This reliability is crucial for Volvo XC90 enthusiasts who value consistent and comprehensive protection.
- Wide State Availability: State Farm is accessible in all states, ensuring that Volvo XC90 drivers across the country can benefit from their services. This extensive availability makes it a convenient option for many.
- Personalized Service: State Farm’s local agents offer personalized customer service, which can enhance the overall insurance experience and address the specific needs of Volvo XC90 owners more effectively. as highlighted in the State Farm insurance review & ratings.
Cons
- Higher Premiums for Some: State Farm’s premiums may be higher compared to other providers, particularly for drivers with less-than-perfect records, which might affect affordability for Volvo XC90 owners.
- Complex Online System: Their online tools and website can be challenging to navigate, which might be inconvenient for Volvo XC90 drivers who prefer a more straightforward digital experience.
#5 – Allstate: Best for Extensive Discounts
Pros
- Extensive Discounts: Allstate offers a wide range of discounts, including for safe driving, multi-policy bundles, and advanced safety features, which can significantly reduce insurance costs for Volvo XC90 owners. Access comprehensive insights into our article called “Allstate Insurance Review & Ratings.”
- Strong Customer Satisfaction: With an A+ rating from A.M. Best and positive customer feedback, Allstate is known for its excellent customer service and support. This reputation is beneficial for Volvo XC90 drivers seeking reliable service.
- Comprehensive Coverage Options: Allstate provides a broad array of coverage options and add-ons, allowing Volvo XC90 enthusiasts to tailor their policies to their specific needs. This customization ensures robust protection.
Cons
- Potentially Higher Premiums: Premiums with Allstate can be higher compared to some competitors, particularly for certain risk profiles, which might impact overall affordability for Volvo XC90 drivers.
- Variable Customer Service: Customer service experiences can vary significantly based on the local agent and office, leading to inconsistent service quality for Volvo XC90 owners.
#6 – American Family: Best for Comprehensive Options
Pros
- Comprehensive Coverage Options: American Family offers a wide range of coverage options, including unique add-ons and enhancements, which can be customized to meet the diverse needs of Volvo XC90 drivers. This ensures robust and flexible protection.
- High Customer Satisfaction: With an A rating from A.M. Best, American Family is recognized for its strong customer service and support. This reflects high satisfaction levels among Volvo XC90 owners.
- Discount Opportunities: They provide several discounts, including for bundling and safe driving, which can help lower insurance costs for Volvo XC90 enthusiasts. These discounts reward responsible behavior. Discover more about offerings in our article called “American Family Insurance Review & Ratings.”
Cons
- Average Pricing: Their pricing may not always be the most competitive compared to other insurers, potentially affecting overall affordability for Volvo XC90 drivers.
- Less Advanced Online Tools: Their online features and tools are less advanced than some competitors, which can impact the ease of managing policies online for Volvo XC90 enthusiasts.
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#7 – Travelers: Best for Flexible Policies
Pros
- Flexible Policies: Travelers offers a wide range of customizable policy options, including various add-ons and enhancements, which can be tailored to fit different needs, making it ideal for Volvo XC90 owners seeking flexibility.
- Competitive Rates: With an average monthly rate of $75, Travelers provides competitive pricing along with various discount opportunities, helping Volvo XC90 drivers keep costs down. Learn more in our article called “Travelers Insurance Review & Ratings.”
- Strong Financial Stability: Travelers has an A++ rating from A.M. Best, indicating strong financial stability and reliability in handling claims. This stability provides confidence for Volvo XC90 enthusiasts.
Cons
- Customer Service Challenges: Some customers report issues with service responsiveness, which can impact overall satisfaction and support quality for Volvo XC90 drivers.
- Complex Policy Options: The wide range of policy options and customization can be overwhelming and difficult for some Volvo XC90 owners to navigate effectively.
#8 – Farmers: Best for Wide Coverage
Pros
- Wide Coverage Options: Farmers offers extensive coverage options, including many customizable features, to suit various needs and preferences. This ensures broad protection for Volvo XC90 enthusiasts. Discover insights in our article titled “Farmers Insurance Review & Ratings.”
- Competitive Pricing: With an average monthly rate of $78, Farmers provides competitive pricing, particularly when combined with their wide range of coverage options, benefiting Volvo XC90 owners.
- Local Agent Network: Farmers has a strong network of local agents, providing personalized service and tailored insurance solutions. This local presence enhances the overall experience for Volvo XC90 drivers.
Cons
- Potentially Higher Premiums: Premiums can be higher for certain risk profiles, which might impact overall affordability, especially for Volvo XC90 drivers with a history of claims.
- Inconsistent Customer Service: Customer service experiences can vary based on the local agent, leading to potential inconsistencies in support quality for Volvo XC90 drivers.
#9 – Nationwide: Best for Customer Loyalty
Pros
- Low Premiums: With an average monthly rate of $81, Nationwide offers very competitive rates, making it a cost-effective option for Volvo XC90 drivers. Their pricing can be especially appealing for those looking to minimize insurance costs.
- Extensive Discounts: Nationwide provides a wide array of discounts, including for safe driving and multi-policy bundling, which can significantly reduce insurance costs for Volvo XC90 owners.
- Strong Online Tools: Their online platform is highly developed, allowing for easy policy management and claims processing, which is ideal for tech-savvy Volvo XC90 drivers. Discover more about offerings in our guide titled “Nationwide Insurance Review & Ratings.”
Cons
- Limited Local Agents: Nationwide operates primarily online and over the phone, with fewer local agents available, which might be less convenient for Volvo XC90 owners who prefer in-person interactions.
- Customer Service Challenges: Some users report issues with customer service, particularly regarding claims processing and responsiveness, which can affect overall satisfaction for Volvo XC90 drivers.
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#10 – Liberty Mutual: Best for Safety Features
Pros
- Diverse Coverage Options: Nationwide offers a variety of coverage options and add-ons, allowing Volvo XC90 owners to customize their policies to fit their specific needs and preferences.
- Competitive Rates: With an average monthly rate of $83, Nationwide provides competitive pricing, helping Volvo XC90 drivers manage insurance costs effectively. Discover more about offerings in our article titled “Liberty Mutual Review & Ratings.”
- Strong Financial Stability: Nationwide has an A+ rating from A.M. Best, ensuring financial stability and reliability in handling claims, which is important for Volvo XC90 drivers.
Cons
- Higher Premiums for Some: Premiums may be higher for certain risk profiles or coverage levels, potentially affecting overall affordability for Volvo XC90 drivers.
- Customer Service Inconsistencies: Customer service experiences can vary based on location and specific representatives, leading to potential inconsistencies in support quality for Volvo XC90 drivers.
Factors That Determine Volvo XC90 Car Insurance Rates
When it comes to car insurance rates, multiple factors come into play. Understanding these factors will help you assess the cost of insuring your Volvo XC90 accurately. One of the primary elements that insurers consider is the make and model of your vehicle.
Volvo XC90 Car Insurance Monthly Rates by Coverage Level & Provider
Insurance Company Minimum Coverage Full Coverage
Allstate $70 $145
American Family $72 $140
Erie $58 $115
Farmers $78 $155
Liberty Mutual $85 $170
Mercury $62 $125
Nationwide $80 $160
Progressive $60 $120
State Farm $68 $135
Travelers $75 $150
The Volvo XC90 is a luxury SUV known for its advanced safety features and high performance. While these aspects contribute to the overall appeal of the vehicle, they can also lead to higher insurance premiums.
Another crucial factor that affects car insurance rates is your personal driving record. If you have a history of traffic violations or accidents, you may be perceived as a higher risk driver by insurers, resulting in higher premiums. It’s essential to maintain a clean driving record to secure more affordable insurance rates.
Additionally, the location where you live can also impact your Volvo XC90 car insurance rates. Insurers take into account the crime rate and frequency of accidents in your area when determining premiums. Understanding the different types of car insurance coverage available can help you choose the right policy to fit your needs and potentially lower your premium based on your location.
If you reside in an area with a high crime rate or a high number of accidents, you may face higher insurance costs for your Volvo XC90. On the other hand, living in a safe neighborhood with low crime rates and fewer accidents can potentially lead to lower insurance premiums.
Understanding the Insurance Coverage Options for the Volvo XC90
Before diving into the specifics of Volvo XC90 car insurance rates, it’s essential to understand the various coverage options available. When insuring your Volvo XC90, you’ll typically have the choice between liability coverage, collision coverage, comprehensive coverage, and personal injury protection (PIP) insurance.
Liability coverage protects you financially if you’re responsible for causing an accident resulting in others’ injuries or property damage. Collision coverage covers the repair or replacement costs of your vehicle if you’re involved in a collision, regardless of fault.
Comprehensive coverage provides protection against non-collision related damages such as theft, vandalism, or natural disasters. Lastly, PIP covers the medical expenses and lost wages of you and your passengers in case of an accident.
When considering liability coverage for your Volvo XC90, it’s important to note that the minimum required coverage may vary depending on your state’s laws. It’s advisable to consult with your insurance provider to determine the appropriate liability limits for your specific situation.
Additionally, some insurance companies offer optional coverage enhancements, such as uninsured/underinsured motorist coverage, which can provide added protection in the event that you’re involved in an accident with a driver who doesn’t have sufficient insurance.
When selecting collision coverage for your Volvo XC90, it’s worth considering factors such as the age and value of your vehicle. If your car is older or has a lower market value, you may want to weigh the cost of collision coverage against the potential payout in the event of a claim.
On the other hand, if your vehicle is newer or more valuable, collision coverage can provide peace of mind knowing that you’ll be protected financially in case of an accident. Enter your ZIP code now.
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Comparing Volvo Xc90 Car Insurance Rates From Different Providers
When it comes to finding the best insurance rates for your Volvo XC90, it’s crucial to compare quotes from multiple insurance providers. Each insurer assesses risk differently and may offer various discounts or incentives that can significantly impact your premiums.
By obtaining quotes from different companies and comparing coverage options, you can ensure you’re getting the most competitive rates for your vehicle.
One important factor to consider when comparing insurance rates is the level of coverage provided. Different insurance providers may offer varying levels of coverage for your Volvo XC90.
It’s essential to carefully review the policy details and understand what is included in each coverage option. This will help you determine if the offered coverage aligns with your needs and preferences.
In addition to coverage, it’s also crucial to consider the reputation and customer service of the insurance providers. Reading reviews and seeking recommendations from other Volvo XC90 owners can give you insights into the quality of service provided by different insurers.
A reliable and responsive insurance company can make a significant difference in your overall experience, especially when it comes to filing claims or seeking assistance in case of an accident.
This is especially true if you are looking for the “Best Safe Driver Car Insurance Discounts.” A company that offers substantial discounts for safe driving not only rewards you for maintaining a clean driving record but also ensures that you receive excellent support when you need it most.
Tips to Find Affordable Car Insurance for Your Volvo XC90
While car insurance can be a significant expense, there are strategies you can employ to find more affordable coverage for your Volvo XC90. Firstly, maintaining a good driving record is crucial.
Safe driving habits can not only prevent accidents but also help you secure lower insurance rates. Additionally, bundling your car insurance with other policies, such as home or renters insurance, can often result in discounts from insurance companies.
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Furthermore, taking advantage of available discounts, such as those for safe driving courses or installing anti-theft devices, can also help you save on premiums. Similarly, increasing your deductibles can reduce your monthly costs, but it’s important to ensure you can afford the deductible in case of an accident. Enter your ZIP code now.
Frequently Asked Questions
What factors affect the cost of Volvo XC90 car insurance?
The cost of Volvo XC90 car insurance can be influenced by several factors including the driver’s age, location, driving history, coverage options, deductible amount, and the insurance provider’s policies.
Are Volvo XC90 cars expensive to insure?
Insurance rates for Volvo XC90 cars can vary depending on the factors mentioned earlier. However, due to its advanced safety features and reputation for safety, the XC90 may have lower insurance rates compared to other luxury SUVs. Enter your ZIP code now.
Do Volvo XC90 cars qualify for any insurance discounts?
Volvo XC90 cars often come equipped with advanced safety features such as collision avoidance systems, lane departure warning, and adaptive cruise control.
These features may make the vehicle eligible for certain insurance discounts, so it’s worth checking with insurance providers for potential savings. For additional details, explore our comprehensive resource titled “Best Car Insurance for Teens“.
Is it more expensive to insure a new Volvo XC90 compared to an older model?
Generally, insuring a new Volvo XC90 may be more expensive than an older model due to the higher value of the vehicle. However, other factors such as safety features and repair costs can also influence insurance rates.
What are some tips to help lower Volvo XC90 car insurance costs?
To potentially reduce the cost of Volvo XC90 car insurance, consider maintaining a clean driving record, opting for a higher deductible, bundling insurance policies, inquiring about available discounts, and comparing quotes from multiple insurance providers. Enter your ZIP code now.
What are the average monthly premiums for car insurance for a Volvo XC90 with the top-rated providers?
When evaluating car insurance costs, it’s important to understand key terms such as deductible and premium. The average monthly premiums for a Volvo XC90 with top-rated providers are $58 with Erie, $60 with Progressive, and $62 with Mercury Insurance. However, rates increase with providers like State Farm at $68, Allstate at $70, and Liberty Mutual at $85.
What is the difference between a deductible and a premium in car insurance? A premium is the amount you pay monthly for your insurance policy, while a deductible is the amount you pay out-of-pocket before your insurance coverage kicks in for a claim.
Understanding this difference can help you better evaluate how various providers and their rates fit into your overall insurance strategy.
Which insurance provider offers the best discounts for Volvo XC90 owners, including those for safe driving and advanced safety features?
Allstate offers the best discounts for Volvo XC90 owners, including significant savings for safe driving and advanced safety features. Their extensive discount options can significantly reduce insurance costs for Volvo XC90 enthusiasts.
How does Erie’s customer satisfaction compare to that of other top insurance providers for Volvo XC90 drivers?
Erie is ranked highest for customer satisfaction among top insurance providers for Volvo XC90 drivers. Their superior service and support make them a top choice for those prioritizing excellent customer experiences. Enter your ZIP code now.
What are the main coverage options provided by American Family Insurance for Volvo XC90 enthusiasts?
American Family Insurance provides comprehensive coverage options for Volvo XC90 enthusiasts, including liability, collision, comprehensive, and personal injury protection.
These options ensure broad protection tailored to various needs. Access comprehensive insights into our guide titled “Insurance Quotes Online.”
How do the online tools and mobile app features of Nationwide and Travelers benefit Volvo XC90 drivers?
Nationwide’s online tools and mobile app offer easy management of policies and claims for Volvo XC90 drivers. Similarly, Travelers’ app simplifies policy management and claims processing, enhancing convenience for drivers.
Compare The Best Insurance Quotes In The Country
Compare quotes from the top insurance companies and save!
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Travis Thompson
Licensed Insurance Agent
Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
