Volvo V90 Insurance Rates
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Michelle Robbins
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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...
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UPDATED: May 4, 2024
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The average insurance rates for a Volvo V90 are $1,456 a year for full coverage insurance. Comprehensive insurance costs on average $312, collision costs $624, and liability insurance costs $384. Buying just liability costs as little as $432 a year, with insurance for high-risk drivers costing $3,174 or more. Teenage drivers cost the most to insure at $5,356 a year or more.
Average premium for full coverage: $1,456
Policy rates by type of insurance:
These estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 states and for different V90 trim levels.
Price Range Variability
For the normal driver, Volvo V90 insurance rates go from the low end price of $432 for the bare minimum liability coverage to a much higher rate of $3,174 for a driver required to buy high-risk insurance.
Urban vs. Rural Price Range
Your location has a significant impact on insurance rates. Rural areas are shown to have lower incidents of physical damage claims than densely populated cities.
The price range example below illustrates how geographic area affects car insurance rates.
The examples above illustrate why anyone shopping for car insurance should compare rates based on a specific location, 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.
Additional Rate Information
The chart below illustrates estimated Volvo V90 insurance rates for different risk profiles and scenarios.
- The best discount rate is $816
- Drivers who choose higher $1,000 deductibles will pay around $212 each year
- The estimated price for a good driver age 40 with $500 deductibles is $1,456
- Using more expensive low deductibles for comprehensive and collision insurance will cost an additional $414 a year
- High risk drivers who are prone to accidents and violations could pay upwards of $3,174 or more
- Policy cost that insures a teen driver with full coverage may cost $5,356 a year
Insurance rates for a Volvo V90 also range considerably based on the model year and trim level, your age and driving record, and policy deductibles and limits.
If you have a few points on your driving record or you caused an accident, you are probably paying at a minimum $1,700 to $2,400 extra every year, depending on your age. High-risk driver insurance can cost anywhere from 45% to 130% more than a normal policy. View High Risk Driver Rates
An older driver with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,400 per year on average, or $117 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay upwards of $5,300 a year. View Rates by Age
Your home state makes a big difference in Volvo V90 insurance rates. A 40-year-old driver could pay as low as $950 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,960 on average in Michigan, New York, and Florida.
| 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% |
Using high physical damage deductibles could save up to $630 each year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $345 more per year. View Rates by Deductible or Liability Limit
Because rates have so much variability, the only way to figure out exactly what you will pay is to compare rates from as many companies as possible. Every company uses a different method to calculate rates, so the rates will be varied.
| 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 Find Cheap Volvo V90 Insurance
Finding cheaper rates on Volvo V90 insurance not only requires avoiding accidents and violations, but also having above-average credit, being claim-free, and bundling your home and auto policies. Compare prices at every policy renewal by quoting rates from direct insurance companies, and also from your local independent and exclusive agents.
The list below is a brief summary of the data presented in the illustrations above.
- Drivers who require higher liability limits will pay an extra $420 annually to go from a 30/60 limit to the 250/500 level
- It is possible to save as much as $180 per year simply by shopping early and online
- Increasing comprehensive and collision deductibles can save approximately $625 each year
- Teenagers pay the highest rates, possibly costing $446 each month if full coverage is included
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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