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 $1,456 annually including full coverage. Comprehensive costs around $312 each year, collision costs $624, and liability insurance costs $384. Liability-only coverage costs as little as $432 a year, with high-risk coverage costing around $3,174. 16-year-old drivers cost the most to insure at $5,356 a year or more.
Average premium for full coverage: $1,456
Policy rates for type of insurance:
Rate estimates include $500 physical damage insurance deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and V90 models.
Price Range Variability
For the average 40-year-old driver, Volvo V90 insurance rates go from as cheap as $432 for just liability insurance to a high rate of $3,174 for a high-risk insurance policy.
Urban vs. Rural Price Range
Your location has a significant impact on the price of insurance. Areas with sparse population are shown to have fewer comprehensive and collision claims than congested cities.
The graphic below illustrates the difference location can make on auto insurance rates.
The examples above highlight why all drivers should compare rates for a specific zip code and their own personal driving habits, rather than relying 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 additional coverage choices and driver risks.
- The best full coverage rate is $816
- Drivers who choose higher $1,000 deductibles will pay about $212 every year
- The estimated rate for a good driver age 40 using $500 deductibles is $1,456
- Buying low deductibles for comprehensive and collision insurance will cost $1,870
- High risk drivers with multiple tickets or accidents could pay at least $3,174 or more
- Policy cost with full coverage for a teen driver can be $5,356 a year
Insurance rates for a Volvo V90 also range considerably based on the model year and trim level, your driving characteristics, and deductibles and policy limits.
More mature drivers with no violations or accidents and high physical damage deductibles could pay as little as $1,400 per year on average, or $117 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they should be prepared to pay as much as $5,300 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you are likely paying at least $1,700 to $2,400 additional every year, depending on your age. Insurance for high-risk drivers can cost anywhere from 45% to 130% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could save up to $630 each year, whereas increasing liability limits will increase rates. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $345 more each year. View Rates by Deductible or Liability Limit
Your home state makes a big difference in Volvo V90 insurance rates. A 40-year-old driver could pay as low as $1,120 a year in states like Missouri, New Hampshire, and Vermont, or at least $2,080 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,314 | -$142 | -9.8% |
| Alaska | $1,116 | -$340 | -23.4% |
| Arizona | $1,208 | -$248 | -17.0% |
| Arkansas | $1,456 | -$0 | 0.0% |
| California | $1,658 | $202 | 13.9% |
| Colorado | $1,388 | -$68 | -4.7% |
| Connecticut | $1,494 | $38 | 2.6% |
| Delaware | $1,646 | $190 | 13.0% |
| Florida | $1,820 | $364 | 25.0% |
| Georgia | $1,346 | -$110 | -7.6% |
| Hawaii | $1,046 | -$410 | -28.2% |
| Idaho | $986 | -$470 | -32.3% |
| Illinois | $1,084 | -$372 | -25.5% |
| Indiana | $1,098 | -$358 | -24.6% |
| Iowa | $984 | -$472 | -32.4% |
| Kansas | $1,382 | -$74 | -5.1% |
| Kentucky | $1,984 | $528 | 36.3% |
| Louisiana | $2,156 | $700 | 48.1% |
| Maine | $898 | -$558 | -38.3% |
| Maryland | $1,200 | -$256 | -17.6% |
| Massachusetts | $1,160 | -$296 | -20.3% |
| Michigan | $2,526 | $1,070 | 73.5% |
| Minnesota | $1,220 | -$236 | -16.2% |
| Mississippi | $1,742 | $286 | 19.6% |
| Missouri | $1,292 | -$164 | -11.3% |
| Montana | $1,562 | $106 | 7.3% |
| Nebraska | $1,146 | -$310 | -21.3% |
| Nevada | $1,746 | $290 | 19.9% |
| New Hampshire | $1,050 | -$406 | -27.9% |
| New Jersey | $1,626 | $170 | 11.7% |
| New Mexico | $1,288 | -$168 | -11.5% |
| New York | $1,532 | $76 | 5.2% |
| North Carolina | $836 | -$620 | -42.6% |
| North Dakota | $1,192 | -$264 | -18.1% |
| Ohio | $1,002 | -$454 | -31.2% |
| Oklahoma | $1,494 | $38 | 2.6% |
| Oregon | $1,334 | -$122 | -8.4% |
| Pennsylvania | $1,386 | -$70 | -4.8% |
| Rhode Island | $1,942 | $486 | 33.4% |
| South Carolina | $1,320 | -$136 | -9.3% |
| South Dakota | $1,228 | -$228 | -15.7% |
| Tennessee | $1,274 | -$182 | -12.5% |
| Texas | $1,754 | $298 | 20.5% |
| Utah | $1,078 | -$378 | -26.0% |
| Vermont | $994 | -$462 | -31.7% |
| Virginia | $872 | -$584 | -40.1% |
| Washington | $1,124 | -$332 | -22.8% |
| West Virginia | $1,334 | -$122 | -8.4% |
| Wisconsin | $1,006 | -$450 | -30.9% |
| Wyoming | $1,296 | -$160 | -11.0% |
Because rates have so much variability, the best way to figure out your exact price is to do a rate comparison from as many companies as possible. Every company utilizes a different rate formula, and rates will be varied between companies.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2021 Volvo V90 | $344 | $696 | $364 | $1,540 |
| 2020 Volvo V90 | $326 | $672 | $376 | $1,510 |
| 2019 Volvo V90 | $312 | $624 | $384 | $1,456 |
| 2018 Volvo V90 | $300 | $588 | $388 | $1,412 |
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 Best Volvo V90 Insurance
Finding cheaper rates on Volvo V90 insurance not only requires being a low-risk driver, but also having good credit, paying for small claims out-of-pocket, and taking advantage of discounts. Make time to compare rates at least every other year by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The items below are a brief recap of the car insurance concepts touched on in this article.
- High-risk drivers who tend to receive serious violations may pay on average $1,720 more every year to insure their V90
- You may be able to save up to $180 per year simply by quoting online in advance
- Increasing comprehensive and collision deductibles could save up to $625 each year
- Drivers who may need more liability coverage will pay around $420 per year to go from a 30/60 limit to higher 250/500 limits
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,356 |
| 20 | $3,382 |
| 30 | $1,526 |
| 40 | $1,456 |
| 50 | $1,330 |
| 60 | $1,306 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,870 |
| $250 | $1,678 |
| $500 | $1,456 |
| $1,000 | $1,244 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,456 |
| 50/100 | $1,533 |
| 100/300 | $1,629 |
| 250/500 | $1,878 |
| 100 CSL | $1,571 |
| 300 CSL | $1,782 |
| 500 CSL | $1,936 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,686 |
| 20 | $5,390 |
| 30 | $3,252 |
| 40 | $3,174 |
| 50 | $3,024 |
| 60 | $3,000 |
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 | $79 |
| Multi-vehicle | $78 |
| Homeowner | $21 |
| 5-yr Accident Free | $114 |
| 5-yr Claim Free | $96 |
| Paid in Full/EFT | $71 |
| Advance Quote | $75 |
| Online Quote | $106 |
| Total Discounts | $640 |
Discounts are estimated and may not be available from every company or in every state.
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