Volvo V90 Insurance Rates
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Michelle Robbins
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UPDATED: May 4, 2024
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The average auto insurance rates for a Volvo V90 are $1,412 annually for full coverage. Comprehensive costs an estimated $300, collision costs $588, and liability insurance costs around $388. Buying just liability costs as low as $434 a year, with insurance for high-risk drivers costing around $3,072. Teens cost the most to insure at $5,212 a year or more.
Average premium for full coverage: $1,412
Policy rates broken down by type of insurance:
These estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and for different V90 trim levels.
Price Range Variability
Using a 40-year-old driver as an example, Volvo V90 insurance rates go from as cheap as $434 for minimum levels of liability insurance to a much higher rate of $3,072 for coverage for higher-risk drivers.
Urban vs. Rural Price Range
Where you live has a significant impact on insurance rates. More rural locations are shown to have fewer accident claims than cities with more traffic congestion.
The price range example below illustrates how rural and urban location affects insurance prices.
The examples above show why anyone shopping for car insurance should compare prices for a targeted area and their own personal driving habits, rather than relying on averaged prices.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Details
The chart below shows estimated Volvo V90 insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $795
- Using higher $1,000 deductibles will save approximately $202 a year
- The estimated rate for a good driver age 40 who has $500 deductibles is $1,412
- Selecting more expensive low deductibles for physical damage coverage will cost $1,806
- Drivers with serious driving violations could pay up to $3,072 or more
- Policy cost with full coverage for a teen driver with full coverage can cost as much as $5,212 or more
Insurance rates for a Volvo V90 also range considerably based on the model year and trim level, your driver profile, and liability limits and deductibles.
An older driver with a clean driving record and high physical damage deductibles could pay as little as $1,300 a year, or $108 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they can expect to pay at least $5,200 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you could be paying $1,700 to $2,300 extra every year, depending on your age. High-risk driver insurance can be anywhere from 44% to 134% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $600 each year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $349 more per year. View Rates by Deductible or Liability Limit
Your home state has a huge impact on Volvo V90 insurance rates. A driver around age 40 might see rates as low as $930 a year in states like Iowa, Maine, and Idaho, or have to pay at least $2,010 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,274 | -$138 | -9.8% |
| Alaska | $1,080 | -$332 | -23.5% |
| Arizona | $1,172 | -$240 | -17.0% |
| Arkansas | $1,412 | -$0 | 0.0% |
| California | $1,608 | $196 | 13.9% |
| Colorado | $1,344 | -$68 | -4.8% |
| Connecticut | $1,448 | $36 | 2.5% |
| Delaware | $1,594 | $182 | 12.9% |
| Florida | $1,762 | $350 | 24.8% |
| Georgia | $1,304 | -$108 | -7.6% |
| Hawaii | $1,014 | -$398 | -28.2% |
| Idaho | $956 | -$456 | -32.3% |
| Illinois | $1,050 | -$362 | -25.6% |
| Indiana | $1,062 | -$350 | -24.8% |
| Iowa | $950 | -$462 | -32.7% |
| Kansas | $1,340 | -$72 | -5.1% |
| Kentucky | $1,924 | $512 | 36.3% |
| Louisiana | $2,088 | $676 | 47.9% |
| Maine | $870 | -$542 | -38.4% |
| Maryland | $1,164 | -$248 | -17.6% |
| Massachusetts | $1,126 | -$286 | -20.3% |
| Michigan | $2,448 | $1,036 | 73.4% |
| Minnesota | $1,182 | -$230 | -16.3% |
| Mississippi | $1,690 | $278 | 19.7% |
| Missouri | $1,252 | -$160 | -11.3% |
| Montana | $1,514 | $102 | 7.2% |
| Nebraska | $1,110 | -$302 | -21.4% |
| Nevada | $1,690 | $278 | 19.7% |
| New Hampshire | $1,018 | -$394 | -27.9% |
| New Jersey | $1,576 | $164 | 11.6% |
| New Mexico | $1,246 | -$166 | -11.8% |
| New York | $1,484 | $72 | 5.1% |
| North Carolina | $810 | -$602 | -42.6% |
| North Dakota | $1,154 | -$258 | -18.3% |
| Ohio | $974 | -$438 | -31.0% |
| Oklahoma | $1,446 | $34 | 2.4% |
| Oregon | $1,292 | -$120 | -8.5% |
| Pennsylvania | $1,344 | -$68 | -4.8% |
| Rhode Island | $1,880 | $468 | 33.1% |
| South Carolina | $1,278 | -$134 | -9.5% |
| South Dakota | $1,190 | -$222 | -15.7% |
| Tennessee | $1,232 | -$180 | -12.7% |
| Texas | $1,700 | $288 | 20.4% |
| Utah | $1,042 | -$370 | -26.2% |
| Vermont | $964 | -$448 | -31.7% |
| Virginia | $844 | -$568 | -40.2% |
| Washington | $1,088 | -$324 | -22.9% |
| West Virginia | $1,294 | -$118 | -8.4% |
| Wisconsin | $974 | -$438 | -31.0% |
| Wyoming | $1,254 | -$158 | -11.2% |
Because rates have so much variability, the only way to know which auto insurance is cheapest is to compare rates from as many companies as possible. Each insurance company calculates rates differently, so the rates will be varied between companies.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2021 Volvo V90 | $326 | $672 | $376 | $1,510 |
| 2020 Volvo V90 | $312 | $624 | $384 | $1,456 |
| 2019 Volvo V90 | $300 | $588 | $388 | $1,412 |
| 2018 Volvo V90 | $288 | $526 | $390 | $1,340 |
Rates are averaged for all Volvo V90 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Buy Cheap Volvo V90 Insurance
Finding cheaper rates on Volvo V90 insurance requires having a decent driving record, having a good credit history, avoid buying unnecessary coverage, and taking advantage of discounts. Set aside time to shop around at least once a year by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
The following items are a brief summary of the primary concepts that were raised in the charts and tables above.
- Drivers can save approximately $170 per year simply by shopping early and online
- High-risk drivers that tend to have accidents or serious violations may pay on average $1,660 more annually than a driver with a clean driving record
- Increasing comprehensive and collision deductibles could save up to $600 each year
- 16 to 18-year-old drivers are charged the highest rates, costing up to $434 each month including comprehensive and collision insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,212 |
| 20 | $3,272 |
| 30 | $1,476 |
| 40 | $1,412 |
| 50 | $1,288 |
| 60 | $1,266 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,806 |
| $250 | $1,622 |
| $500 | $1,412 |
| $1,000 | $1,210 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,412 |
| 50/100 | $1,490 |
| 100/300 | $1,587 |
| 250/500 | $1,839 |
| 100 CSL | $1,528 |
| 300 CSL | $1,742 |
| 500 CSL | $1,897 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,470 |
| 20 | $5,218 |
| 30 | $3,144 |
| 40 | $3,072 |
| 50 | $2,928 |
| 60 | $2,904 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $77 |
| Multi-vehicle | $75 |
| Homeowner | $21 |
| 5-yr Accident Free | $109 |
| 5-yr Claim Free | $93 |
| Paid in Full/EFT | $68 |
| Advance Quote | $72 |
| Online Quote | $102 |
| Total Discounts | $617 |
Discounts are estimated and may not be available from every company or in every state.
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