Volvo V90 Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 4, 2024

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The average insurance rates for a Volvo V90 are $1,510 a year for full coverage. Comprehensive costs on average $326 a year, collision insurance costs $672, and liability coverage costs around $376. Liability-only coverage costs as low as $426 a year, and high-risk coverage costs around $3,294. Teens cost the most to insure at up to $5,532 a year.

Average premium for full coverage: $1,510

Policy rates by type of insurance:

Comprehensive $326
Collision $672
Liability $376

Prices include $500 physical damage insurance deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all states and V90 trim levels.

Price Range Variability

For a driver in their 40's, Volvo V90 insurance rates range from the low end price of $426 for your basic liability-only policy to a high of $3,294 for coverage for higher-risk drivers.

Liability Only $426
Full Coverage $1,510
High Risk $3,294

Urban vs. Rural Price Range

Where you live has a large influence on car insurance rates. Rural areas are shown to have lower incidents of accident claims than cities with more traffic congestion. The diagram below illustrates how location helps determine car insurance rates.

Rural Areas $1,133
Small Cities $1,586
Large Cities $2,039

The examples above show why it is important to compare prices based on a specific location, rather than using 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 shows average Volvo V90 insurance rates for different risk profiles and scenarios.

  • The cheapest rate after discounts is $843
  • Using higher $1,000 deductibles will save around $1,284 a year
  • The estimated price for a good driver age 40 with $500 deductibles is $1,510
  • Selecting low $100 deductibles for physical damage coverage bumps up the cost to $1,952
  • Higher-risk drivers with serious driving violations could pay upwards of $3,294
  • Policy cost that insures a teenage driver may cost $5,532 or more

View Chart as Image

Volvo V90 insurance cost comparison chart
Column chart showing Volvo V90 insurance rates range from $843 to $5,532 for full coverage

Insurance rates for a Volvo V90 also range considerably based on the trim level of your V90, how you drive, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you could be paying at a minimum $1,800 to $2,500 additional every year, depending on your age. A high-risk auto insurance policy can be around 45% to 133% more than the average policy. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,400 a year, or $117 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay upwards of $5,500 a year. View Rates by Age

Your home state has a huge impact on Volvo V90 insurance rates. A driver around age 40 might see rates as low as $990 a year in states like Idaho, Maine, and Iowa, or have to pay at least $2,150 on average in Michigan, Louisiana, and New York.

Volvo V90 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,364 -$146 -9.7%
Alaska $1,158 -$352 -23.3%
Arizona $1,252 -$258 -17.1%
Arkansas $1,510 -$0 0.0%
California $1,720 $210 13.9%
Colorado $1,440 -$70 -4.6%
Connecticut $1,548 $38 2.5%
Delaware $1,706 $196 13.0%
Florida $1,884 $374 24.8%
Georgia $1,394 -$116 -7.7%
Hawaii $1,084 -$426 -28.2%
Idaho $1,022 -$488 -32.3%
Illinois $1,122 -$388 -25.7%
Indiana $1,138 -$372 -24.6%
Iowa $1,018 -$492 -32.6%
Kansas $1,434 -$76 -5.0%
Kentucky $2,056 $546 36.2%
Louisiana $2,232 $722 47.8%
Maine $930 -$580 -38.4%
Maryland $1,244 -$266 -17.6%
Massachusetts $1,204 -$306 -20.3%
Michigan $2,622 $1,112 73.6%
Minnesota $1,262 -$248 -16.4%
Mississippi $1,806 $296 19.6%
Missouri $1,338 -$172 -11.4%
Montana $1,620 $110 7.3%
Nebraska $1,188 -$322 -21.3%
Nevada $1,808 $298 19.7%
New Hampshire $1,088 -$422 -27.9%
New Jersey $1,686 $176 11.7%
New Mexico $1,336 -$174 -11.5%
New York $1,588 $78 5.2%
North Carolina $868 -$642 -42.5%
North Dakota $1,236 -$274 -18.1%
Ohio $1,040 -$470 -31.1%
Oklahoma $1,548 $38 2.5%
Oregon $1,382 -$128 -8.5%
Pennsylvania $1,436 -$74 -4.9%
Rhode Island $2,012 $502 33.2%
South Carolina $1,366 -$144 -9.5%
South Dakota $1,272 -$238 -15.8%
Tennessee $1,320 -$190 -12.6%
Texas $1,818 $308 20.4%
Utah $1,116 -$394 -26.1%
Vermont $1,030 -$480 -31.8%
Virginia $904 -$606 -40.1%
Washington $1,164 -$346 -22.9%
West Virginia $1,382 -$128 -8.5%
Wisconsin $1,044 -$466 -30.9%
Wyoming $1,342 -$168 -11.1%

View Chart as Image

Volvo V90 insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $670 a year, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $339 more each year. View Rates by Deductible or Liability Limit

Volvo V90 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2021 Volvo V90 $356 $726 $354 $1,572
2020 Volvo V90 $344 $696 $364 $1,540
2019 Volvo V90 $326 $672 $376 $1,510
2018 Volvo V90 $312 $624 $384 $1,456

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 the Right Volvo V90 Insurance

Finding cheaper rates on auto insurance requires being a low-risk driver, having a good credit score, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Compare rates at least once a year by getting rate quotes from direct carriers, and also from local exclusive and independent agents.

The items below are a quick rundown of the primary concepts that were covered in the charts and tables above.

  • Drivers can save as much as $190 per year just by quoting early and online
  • Drivers with reckless driving or DUI convictions may pay on average $1,780 more each year to insure their V90
  • Increasing comprehensive and collision deductibles can save approximately $675 each year
  • Teen drivers pay higher rates, costing up to $461 each month if comprehensive and collision insurance is included

Rates by Driver Age

Volvo V90 Insurance Rates by Driver Age
Driver Age Premium
16 $5,532
20 $3,514
30 $1,586
40 $1,510
50 $1,378
60 $1,354

Full coverage, $500 deductibles

Rates by Deductible

Volvo V90 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,952
$250 $1,746
$500 $1,510
$1,000 $1,284

Full coverage, driver age 40

Rates by Liability Limit

Volvo V90 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,510
50/100 $1,585
100/300 $1,679
250/500 $1,924
100 CSL $1,623
300 CSL $1,830
500 CSL $1,980

Full coverage, driver age 40

Rates for High Risk Drivers

Volvo V90 Insurance Rates for High Risk Drivers
Age Premium
16 $7,942
20 $5,604
30 $3,380
40 $3,294
50 $3,142
60 $3,116

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 $219

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $82
Multi-vehicle $80
Homeowner $21
5-yr Accident Free $120
5-yr Claim Free $100
Paid in Full/EFT $75
Advance Quote $79
Online Quote $110
Total Discounts $667
Rate after discounts $843

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

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