Volvo V90 Insurance Rates

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UPDATED: May 4, 2024

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Average auto insurance rates for a Volvo V90 are $1,412 annually with full coverage. Comprehensive insurance costs around $300, collision costs $588, and liability costs $388. A liability-only policy costs as little as $434 a year, with high-risk insurance costing $3,072 or more. Teens receive the highest rates at $5,212 a year or more.

Average premium for full coverage: $1,412

Rate estimates for individual coverage type:

Comprehensive $300
Collision $588
Liability $388

Prices are based on $500 policy deductibles, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all U.S. states and for different V90 trim levels.

Price Range by Coverage and Risk

Using a 40-year-old driver as an example, prices range go from as cheap as $434 for your basic liability-only policy to a much higher rate of $3,072 for a driver who requires high-risk insurance.

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

Price Range by Location

Your location can make a big difference on insurance rates. Areas with sparse population tend to have fewer collision claims than cities with more traffic congestion.

The price range example below illustrates how rural and urban location affects auto insurance rates.

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

These examples demonstrate why anyone shopping for car insurance should compare rates for a specific zip code and their own personal driving habits, instead of making a decision based 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.

More Rate Information

The chart below details estimated Volvo V90 insurance rates for additional coverage choices and driver risks.

  • The cheapest rate after discounts is $795
  • Drivers who choose higher $1,000 deductibles will pay about $202 annually
  • The estimated rate for a 40-year-old driver using $500 deductibles is $1,412
  • Selecting more expensive low deductibles for comprehensive and collision insurance costs an additional $394 annually
  • Drivers with serious driving violations could pay at least $3,072 or more
  • The cost with full coverage for a 16-year-old driver with full coverage can be $5,212 a year

View Chart as Image

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

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

An older driver with a clean driving record and high physical damage deductibles may pay as low as $1,300 per year on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they can expect to pay as much as $5,200 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you may be forking out at least $1,700 to $2,300 extra per year, depending on your age. High-risk driver insurance can cost from 44% to 134% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could save up to $600 annually, while increasing your policy's liability limits will increase rates. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $349 more per year. View Rates by Deductible or Liability Limit

Where you live makes a big difference in Volvo V90 insurance prices. A 40-year-old driver could pay as low as $1,020 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,900 on average in Florida, Michigan, and New York.

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 find out your exact price is to compare rates from multiple companies. Every company calculates rates differently, so the rates can be significantly different between companies.

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 Buy Affordable Volvo V90 Insurance

Saving money on insurance for a Volvo V90 not only requires being safe and accident-free, but also having a good credit history, eliminating unnecessary coverage, and insuring your home and auto with the same company. Set aside time to shop around at every other renewal by requesting rates from direct companies like Progressive and GEICO, and also from local exclusive and independent agents.

Below you'll find a brief review of the concepts that were raised in the charts and tables above.

  • Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,660 more every year than a low-risk driver
  • Youthful drivers pay higher rates, with premiums as much as $434 per month including comprehensive and collision insurance
  • You may be able to save up to $170 per year simply by shopping early and online
  • Increasing deductibles could save up to $600 each year
  • You may be able to save up to $170 per year simply by shopping early and online

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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