Volvo V90 Insurance Rates

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UPDATED: May 4, 2024

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U.S. average auto insurance rates for a Volvo V90 are $1,412 annually for full coverage insurance. Comprehensive insurance costs approximately $300 a year, collision costs $588, and liability insurance costs around $388. A policy with just liability insurance costs as low as $434 a year, with coverage for high-risk drivers costing $3,072 or more. Teens pay the highest rates at $5,212 a year or more.

Average premium for full coverage: $1,412

Price estimates by individual coverage:

Comprehensive $300
Collision $588
Liability $388

Includes $500 deductibles, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 states and V90 trim levels.

Price Range from Low to High

For a driver around age 40, Volvo V90 insurance prices go from as cheap as $434 for basic liability insurance to a high of $3,072 for a policy for a high-risk driver.

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

Geographic Price Range

Where you live has a significant impact on the price of auto insurance. Rural locations have fewer physical damage claims than cities with more traffic congestion.

The diagram below illustrates the difference between rural and urban areas on auto insurance prices.

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

The ranges above illustrate why it is important to compare prices using their specific location 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.

Rate Comparisons

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

  • The cheapest rate after discounts is $795
  • Using higher $1,000 deductibles will save $1,210 each year
  • The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,412
  • Selecting low $100 deductibles for physical damage coverage costs an additional $394 a year
  • Drivers with serious driving violations could pay around $3,072 or more
  • The price with full coverage for 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 prices range from $795 to $5,212

Insurance prices for a Volvo V90 are also quite variable based on the trim level and model year, your risk profile, and physical damage deductibles and liability limits.

Older drivers with a clean driving record and high physical damage deductibles could pay as little as $1,300 a year for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they can expect to pay in the ballpark of $5,200 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are probably paying anywhere from $1,700 to $2,300 extra each year, depending on your age. A high-risk auto insurance policy 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 prices by as much as $600 each year, while buying higher liability limits will push prices upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $349 more per year. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Volvo V90 insurance rates. A driver around age 40 might see prices as low as $920 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,900 on average in Florida, 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

Since prices can be so different, the only way to figure out who has the best car insurance prices is to get quotes from as many companies as possible. Each insurance company calculates prices differently, so the prices may be quite 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 the Cheapest Volvo V90 Insurance

Getting lower rates on Volvo V90 insurance requires not taking risks behind the wheel, having a good credit history, not filing small claims, and maximizing policy discounts. Set aside time to compare rates every year by requesting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The following is a recap of the coverage data covered above.

  • It is possible to save around $170 per year simply by quoting early and online
  • Increasing physical damage deductibles could save up to $600 each year
  • Teens are expensive to insure, as much as $434 a month including comprehensive and collision insurance
  • High-risk drivers that have major violations or accidents could be forced to pay on average $1,660 more per year for V90 insurance

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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