Volvo V90 Insurance Rates

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UPDATED: May 4, 2024

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Estimated insurance rates for a Volvo V90 are $1,412 a year including full coverage. Comprehensive costs approximately $300 each year, collision costs $588, and liability insurance costs around $388. A liability-only policy costs as low as $434 a year, with high-risk insurance costing around $3,072. Teenage drivers pay the most at $5,212 a year or more.

Average premium for full coverage: $1,412

Premium estimates by type of coverage:

Comprehensive $300
Collision $588
Liability $388

Estimates include $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 U.S. states and V90 models.

Insurance Price Range by Risk and Coverage

For the normal driver, insurance rates for a Volvo V90 go from the low end price of $434 for just the minimum liability insurance to a high rate of $3,072 for a driver who requires high-risk insurance.

Liability Only $434
Full Coverage $1,412
High Risk $3,072

Insurance Price Range by Location

Where you live has a significant impact on car insurance prices. Rural locations are statistically proven to have lower incidents of comprehensive and collision claims than densely populated cities.

The graphic below illustrates how geographic area affects auto insurance prices.

Rural Areas $1,059
Small Cities $1,483
Large Cities $1,906

These rate differences highlight why all drivers should compare prices using their specific location, rather than relying on average rates.

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 Analysis

The chart below breaks down estimated Volvo V90 insurance rates for additional coverage and risk scenarios.

  • The best discount rate is $795
  • Using higher $1,000 deductibles will save $202 every year
  • The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,412
  • Using low deductibles for physical damage coverage bumps up the cost to $1,806
  • Drivers who are prone to accidents and violations could pay around $3,072 or more
  • An auto insurance policy that insures a teen driver can cost $5,212 or more

View Chart as Image

Volvo V90 insurance cost comparison chart
Column chart showing full coverage Volvo V90 insurance rates range from $795 to $5,212

Auto insurance prices for a Volvo V90 also have a wide range based on the trim level and model year, your driving record and age, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you are likely paying anywhere from $1,700 to $2,300 in extra premium annually, depending on your age. Insurance for high-risk drivers can be anywhere from 44% to 134% more than a normal policy. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,300 a year, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will have to pay in the ballpark of $5,200 a year. View Rates by Age

Where you choose to live has a huge impact on Volvo V90 insurance rates. A driver around age 40 might see prices as low as $1,080 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,010 on average in Louisiana, New York, and Michigan.

Volvo V90 Insurance Rates by State
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%

View Chart as Image

Volvo V90 insurance rates by U.S. city

Using high physical damage deductibles could cut prices by as much as $600 each year, whereas increasing liability limits will push prices upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $349 extra every year. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to figure out who has the best auto insurance prices is to do a rate comparison from as many companies as possible. Each insurance company uses a different method to calculate prices, and quoted prices will be substantially different.

Volvo V90 Insurance Rates by Model Year
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 Find Low Cost Volvo V90 Insurance

Finding better rates on Volvo V90 insurance requires being a low-risk driver, maintaining a good credit score, refrain from filing small claims, and not having any coverage lapses. Compare prices at every other renewal by requesting quotes from direct car insurance companies, and also from local auto insurance providers.

The items below are a review of the concepts that were presented in the illustrations above.

  • High-risk drivers who have several accidents or serious violations will likely pay on average $1,660 more per year to insure their V90
  • Teen drivers have the highest car insurance prices, with the cost nearing $434 per month if the policy includes full coverage
  • You may be able to save around $170 per year simply by quoting online in advance
  • Increasing policy deductibles can save approximately $600 each year
  • You may be able to save around $170 per year simply by quoting online in advance

Rates by Driver Age

Volvo V90 Insurance 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

Volvo V90 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,806
$250 $1,622
$500 $1,412
$1,000 $1,210

Full coverage, driver age 40

Rates by Liability Limit

Volvo V90 Insurance Rates with Different Liability Limits
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

Volvo V90 Insurance 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.

SR-22 Surcharge $202

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
Rate after discounts $795

Discounts are estimated and may not be available from every company or in every state.

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