Volvo V90 Insurance Rates

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UPDATED: May 4, 2024

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Average insurance prices for a Volvo V90 are $1,412 every 12 months including full coverage. Comprehensive costs on average $300 a year, collision costs $588, and liability is $388. A liability-only policy costs around $434 a year, with high-risk insurance costing around $3,072. 16-year-old drivers receive the highest rates at $5,212 a year or more.

Average premium for full coverage: $1,412

Rate estimates by individual coverage type:

Comprehensive $300
Collision $588
Liability $388

Price estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and V90 trim levels.

Price Range by Coverage and Risk

For the normal driver, prices range go from the cheapest price of $434 for just liability insurance to a high of $3,072 for coverage for higher-risk drivers.

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

Price Range by Location

Choosing to live in a large city can make a big difference on car insurance rates. Rural areas tend to have more infrequent comprehensive and collision claims than congested cities.

The diagram below illustrates how geographic area affects car insurance rates.

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

These examples highlight why it is important to compare rates quotes based on a specific location and their own driving history, instead of making a decision based on rate averages.

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.

More Rate Details

The chart below breaks down estimated Volvo V90 insurance rates for different risk profiles and scenarios.

  • The best full coverage rate is $795
  • Raising to $1,000 deductibles will save around $1,210 every year
  • The average price for a 40-year-old driver with $500 deductibles is $1,412
  • Buying low $100 deductibles increases the price to $1,806
  • Drivers with multiple tickets or accidents could pay upwards of $3,072 or more
  • The cost to insure a 16-year-old driver may cost $5,212

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

Insurance rates for a Volvo V90 can also vary considerably based on policy deductibles and limits, your driving characteristics, and the trim level of your V90.

Opting for high physical damage deductibles can reduce rates by up to $600 annually, while buying higher liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $349 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles may pay as low as $1,300 every 12 months on average for full coverage. Rates are highest for teen drivers, since even excellent drivers can expect to pay upwards of $5,200 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are likely paying at a minimum $1,700 to $2,300 extra per year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 44% to 134% more than the average rate. View High Risk Driver Rates

Where you live also has a big influence on Volvo V90 insurance prices. A middle-age driver might find rates as low as $1,080 a year in states like Missouri, New Hampshire, and Vermont, or at least $2,010 on average in Michigan, New York, and Louisiana.

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

With so much variability in rates, the best way to figure out exactly what you will pay is to get quotes from multiple companies. Every auto insurance company utilizes a different rate formula, so the rates can be significantly 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 Shop for Cheaper Volvo V90 Insurance

Saving money on insurance for a Volvo V90 consists of having a decent driving record, having good credit, not filing small claims, and bundling your home and auto policies. Invest the time to compare rates at least once a year by getting price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The following items are a condensed summary of the primary concepts that were presented in the illustrations above.

  • You may be able to save as much as $170 per year simply by quoting early and online
  • Drivers considered higher risk with multiple at-fault accidents may pay on average $1,660 more each year than a driver with a clean driving record
  • Increasing deductibles could save as much as $600 each year
  • 16 to 18-year-old drivers pay the highest rates, as much as $434 per month if they have full coverage

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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