Volvo V90 Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: May 4, 2024
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U.S. average insurance prices for a Volvo V90 are $1,412 every 12 months including full coverage. Comprehensive insurance costs an estimated $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. Teenage drivers pay the highest rates at $5,212 a year or more.
Average premium for full coverage: $1,412
Price estimates broken down by individual coverage:
Rate estimates include $500 policy deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 U.S. states and V90 trim levels.
Price Range from Low to High
For an average driver, Volvo V90 insurance prices go from the cheapest price of $434 for a discount liability-only rate to a high of $3,072 for high-risk insurance.
Geographic Price Range
Where you live has a significant impact on the price of auto insurance. More rural locations have more infrequent comprehensive and collision claims than densely populated cities.
The diagram below illustrates the effect of geographic area on insurance prices.
The ranges above highlight why it is important to compare prices for a targeted area and their own driving history, rather than relying on average rates.
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.
Rates by State, City, and Model
The chart below breaks down estimated Volvo V90 insurance rates for other coverage scenarios.
- The best discount rate is $795
- Using higher $1,000 deductibles will save approximately $1,210 every year
- The average price for the average middle-age driver who has $500 deductibles is $1,412
- Using low $100 deductibles for physical damage coverage costs an extra $394 a year
- Drivers who are prone to accidents and violations could pay up to $3,072 or more
- The price to insure a teen driver can cost as much as $5,212 or more
Insurance prices for a Volvo V90 are also quite variable based on deductibles and policy limits, your driving characteristics, and the model year and trim level.
Using high physical damage deductibles could cut prices by as much as $600 each year, while buying higher liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $349 more per year. View Rates by Deductible or Liability Limit
Older drivers with a clean driving record and higher deductibles could pay as little as $1,300 a year for full coverage. Prices are much higher for teenage drivers, since even excellent drivers can expect to pay at least $5,200 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are likely paying $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 a normal policy. View High Risk Driver Rates
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 $1,080 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,010 on average in Louisiana, New York, and Michigan.
| 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% |
Since prices can be so different, the best way to figure out which car insurance is cheapest is to get quotes from as many companies as possible. Each insurance company uses a different method to calculate prices, so the prices may be quite different.
| 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 the Best Volvo V90 Insurance
Getting lower rates on Volvo V90 insurance requires being a good driver, having good credit, being claim-free, and taking advantage of discounts. Take the time to compare rates every couple of years by quoting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.
The following list is a brief recap of the material that was covered in the above illustrations.
- Drivers who want an increased level of liability coverage will pay an extra $430 per year to increase from a low limit to a 250/500 level
- Drivers age 16 to 20 are charged the highest prices, possibly costing $434 a month if they have full coverage
- High-risk drivers who tend to receive serious violations may have to pay on average $1,660 more annually than a safer driver
- Increasing physical damage deductibles could save as much as $600 each year
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,806 |
| $250 | $1,622 |
| $500 | $1,412 |
| $1,000 | $1,210 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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