Volvo V90 Insurance Rates

The average auto insurance rates for a Volvo V90 are $1,412 annually for full coverage. Comprehensive costs around $300 each year, collision insurance costs $588, and liability coverage costs around $388. Liability-only coverage costs as low as $434 a year, and high-risk coverage costs around $3,072. Teens cost the most to insure at up to $5,212 a year.

Average premium for full coverage: $1,412

Policy rates for type of insurance:

Prices are based on $500 deductibles, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all states and V90 models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on auto insurance rates. Areas with sparse population are shown to have fewer accident claims than cities with more traffic congestion. The graphic below illustrates how where you live affects auto insurance rates.

The examples above show why all drivers should compare prices for a specific zip code and their own personal driving habits, rather than using averaged prices.

Use the form below to get customized rates for your location.

Rate Comparisons

The chart below shows average Volvo V90 insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $795
• Using higher $1,000 deductibles will save about $202 a year
• The estimated rate for a good driver age 40 using $500 deductibles is $1,412
• Selecting low deductibles for physical damage coverage will cost $1,806
• Higher-risk drivers with serious driving violations could pay at least $3,072
• Policy cost with full coverage for a teenage driver can be $5,212 or more

View Chart as Image

Insurance rates for a Volvo V90 also range considerably based on the model year and trim level, your driver profile, and deductibles and policy limits.

More mature drivers with no violations or accidents and high physical damage deductibles may only pay around $1,300 a year, or $108 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared to pay as much as $5,200 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying at least $1,700 to $2,300 additional every year, depending on your age. Insurance for high-risk drivers can be around 44% to 134% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $600 a year, whereas increasing liability limits will increase rates. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $349 more each year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Volvo V90 insurance rates. A driver around age 40 might see rates as low as $930 a year in states like Idaho, Maine, and Iowa, or have to pay at least $2,010 on average in Michigan, Louisiana, and New York.

View Chart as Image

How to Buy Affordable Volvo V90 Insurance

Finding cheaper rates on auto insurance requires not taking risks behind the wheel, having good credit, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Take the time to comparison shop at least once a year by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The following is a brief review of the primary concepts that were touched on in the above illustrations.

• Drivers can save up to $170 per year just by quoting online in advance
• Drivers with DUI or reckless driving convictions pay an average of $1,660 more every year for V90 insurance
• Increasing comprehensive and collision deductibles could save up to $600 each year
• Teens are charged the highest rates, costing up to $434 each month if they have full coverage