Best Volvo XC Auto Insurance Rates 2021

Auto insurance for the Volvo XC will vary a lot, because it's based on personal factors like your driving habits, where you live, and how much you drive. The Volvo XC has numerous safety features that can help reduce car insurance rates. To find the best deal on Volvo XC auto insurance, it's best to compare multiple companies.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Nov 24, 2021

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Things to Remember

  • The cost of insurance for a Volvo XC depends on the trim level
  • Safety features of the Volvo XC can earn you a car insurance discount
  • Crash test ratings have an impact on Volvo XC auto insurance rates

Buying a new car is both fun and a lot of work. If the Volvo XC is on your list (or if you’ve already made your choice) you need all of the information before you move forward. We’ve gathered what you need to know when you buy a Volvo XC right here.

Take a look at what you can expect in terms of insurance rates for the Volvo XC and compare it to other similar vehicles. Then find out how the Volvo XC stacks up in terms of safety ratings and features, as well as what it costs to buy a Volvo XC right here.

If you need insurance for a Volvo XC right now, we can help. Enter your ZIP code for free Volvo XC car insurance quotes from top companies.

What impacts the cost of Volvo XC insurance?

The average annual rate for the Volvo XC is just that, an average. Your insurance rates for a Volvo XC can be higher or lower depending upon the trim level and personal factors. Those factors include your age, home address, driving history, and the model year of your Volvo XC.

Volvo XC Safety Ratings

Your Volvo XC car insurance rates are tied to the safety ratings of the Volvo XC. See the breakdown here.

Volvo XC Safety Ratings

Test Type Rating
Small overlap front: driver-side Good
Small overlap front: passenger-side Good
Moderate overlap front Good
Side Good
Roof Good
Head restraints & seats Good

Volvo XC Crash Test Ratings

Good Volvo XC crash test ratings can lower your Volvo XC auto insurance rates. You can see Volvo XC crash test results here.

Volvo XC Crash Test Ratings

Vehicle Tested Overall Frontal Side Rollover
2020 Volvo XC90 T8 SUV AWD 5 stars 5 stars 5 stars 4 stars
2020 Volvo XC90 T6 SUV AWD 5 stars 5 stars 5 stars 4 stars
2020 Volvo XC90 T5 SUV FWD 5 stars 5 stars 5 stars 4 stars
2020 Volvo XC90 T5 SUV AWD 5 stars 5 stars 5 stars 4 stars
2020 Volvo XC60 T8 SUV AWD N/R N/R N/R N/R
2020 Volvo XC60 T8 Polestar Engineered SUV AWD N/R N/R N/R N/R
2020 Volvo XC60 T6 SUV AWD 5 stars 5 stars 5 stars 4 stars
2020 Volvo XC60 T5 SUV FWD 5 stars 5 stars 5 stars 4 stars
2020 Volvo XC60 T5 SUV AWD 5 stars 5 stars 5 stars 4 stars
2020 Volvo XC40 T5 SUV AWD 5 stars 5 stars 5 stars 4 stars
2020 Volvo XC40 T4 SUV FWD 5 stars 5 stars 5 stars 4 stars
2019 Volvo XC90 T8 SUV AWD 5 stars 5 stars 5 stars 4 stars
2019 Volvo XC90 T6 SUV AWD 5 stars 5 stars 5 stars 4 stars
2019 Volvo XC90 T5 SUV FWD N/R 5 stars 5 stars N/R
2019 Volvo XC90 T5 SUV AWD 5 stars 5 stars 5 stars 4 stars
2019 Volvo XC60 T8 SUV AWD N/R N/R N/R N/R
2019 Volvo XC60 T6 SUV AWD N/R N/R N/R N/R
2019 Volvo XC60 T5 SUV FWD N/R N/R N/R N/R
2019 Volvo XC60 T5 SUV AWD N/R N/R N/R N/R
2019 Volvo XC40 T5 SUV AWD N/R N/R N/R N/R
2019 Volvo XC40 T4 SUV FWD N/R N/R N/R N/R
2018 Volvo XC90 T8 SUV AWD 5 stars 5 stars 5 stars 4 stars
2018 Volvo XC90 T6 SUV FWD N/R 5 stars 5 stars N/R
2018 Volvo XC90 T6 SUV AWD 5 stars 5 stars 5 stars 4 stars
2018 Volvo XC90 T5 SUV FWD N/R 5 stars 5 stars N/R
2018 Volvo XC90 T5 SUV AWD 5 stars 5 stars 5 stars 4 stars
2018 Volvo XC60 T8 SUV AWD N/R N/R N/R N/R
2018 Volvo XC60 T6 SUV FWD N/R N/R N/R N/R
2018 Volvo XC60 T6 SUV AWD N/R N/R N/R N/R
2018 Volvo XC60 T5 SUV FWD N/R N/R N/R N/R
2018 Volvo XC60 T5 SUV AWD N/R N/R N/R N/R
2017 Volvo XC90 T8 SUV AWD 5 stars 5 stars 5 stars 4 stars
2017 Volvo XC90 T6 SUV FWD N/R 5 stars 5 stars N/R
2017 Volvo XC90 T6 SUV AWD 5 stars 5 stars 5 stars 4 stars
2017 Volvo XC90 T5 SUV FWD N/R 5 stars 5 stars N/R
2017 Volvo XC90 T5 SUV AWD 5 stars 5 stars 5 stars 4 stars
2017 Volvo XC60 SUV FWD 5 stars 5 stars 5 stars 4 stars
2017 Volvo XC60 SUV AWD 5 stars 5 stars 5 stars 4 stars
2016 Volvo XC90 T8 SUV AWD 5 stars 5 stars 5 stars 4 stars
2016 Volvo XC90 T6 SUV FWD N/R 5 stars 5 stars N/R
2016 Volvo XC90 T6 SUV AWD 5 stars 5 stars 5 stars 4 stars
2016 Volvo XC90 T5 SUV FWD N/R 5 stars 5 stars N/R
2016 Volvo XC90 T5 SUV AWD 5 stars 5 stars 5 stars 4 stars
2016 Volvo XC70 SW FWD N/R N/R N/R N/R
2016 Volvo XC70 SW AWD N/R N/R N/R N/R
2016 Volvo XC60 SUV FWD 5 stars 5 stars 5 stars 4 stars
2016 Volvo XC60 SUV AWD 5 stars 5 stars 5 stars 4 stars

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Ways to Save on Volvo XC Insurance

If you want to reduce the cost of your Volvo XC insurance rates, follow these tips below:

  • Make sure you use an accredited driver safety program
  • Don’t always pick the cheapest Volvo XC insurance policy
  • Use paperless billing for your Volvo XC insurance policy
  • Check for organization-based discounts, like alumni or employer discounts
  • Ask about student discounts

Top Volvo XC Insurance Companies

What is the best auto insurance company for Volvo XC insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Volvo XC auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features found on the Volvo XC.

Largest Auto Insurers by Market Share

Rank Company Volume Market Share
1 State Farm $66,153,063 9.1%
2 GEICO $46,358,896 6.4%
3 Progressive $41,737,283 5.7%
4 Allstate $39,210,020 5.4%
5 Liberty Mutual $36,172,570 5.0%
6 Travelers $28,786,741 4.0%
7 USAA $24,621,246 3.4%
8 Chubb $24,199,582 3.3%
9 Farmers $20,083,339 2.8%
10 Nationwide $18,499,967 2.5%

Comparing Free Volvo XC Insurance Quotes Online

You can start comparing quotes for Volvo XC insurance from some of the top car insurance companies by using our free online tool today.

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