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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The average insurance rates for a Volvo V90 are $1,412 a year for full coverage insurance. Comprehensive insurance costs approximately $300, collision costs $588, and liability insurance is $388. Liability-only coverage costs around $434 a year, with high-risk coverage costing $3,072 or more. Teenage drivers cost the most to insure at $5,212 a year or more.
Average premium for full coverage: $1,412
Policy rates by type of insurance:
Includes $500 deductible amounts, bodily injury liability limits of 30/60, 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 average driver, Volvo V90 insurance rates go from as low as $434 for the bare minimum liability coverage to a much higher rate of $3,072 for a driver who has had serious violations or accidents.
Urban vs. Rural Price Range
Choosing to live in a large city has a significant impact on the price of auto insurance. Rural locations are shown to have a lower frequency of physical damage claims than densely populated cities.
The price range example below illustrates how location impacts auto insurance prices.
The examples above illustrate why anyone shopping for car insurance should compare rates quotes using their specific location and risk profile, 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 additional coverage and risk scenarios.
- The best discount rate is $795
- Raising to $1,000 deductibles will save $202 each year
- The average rate for a good driver age 40 who chooses $500 deductibles is $1,412
- Using more expensive low deductibles will cost an extra $394 a year
- Higher-risk drivers who are prone to accidents and violations could pay around $3,072 or more
- Policy cost for full coverage for a teen driver with full coverage can cost $5,212
Insurance rates for a Volvo V90 also range considerably based on your risk profile, the model year and trim level, and physical damage deductibles and liability limits.
An older driver with no violations or accidents and high deductibles could pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay in the ballpark of $5,200 a year. View Rates by Age
Your home state also has a big influence on Volvo V90 insurance rates. A middle-age driver might find rates as low as $920 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,900 on average in Florida, 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% |
Using high physical damage deductibles can reduce rates by up to $600 each year, while increasing your policy's liability limits will push rates upward. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $349 more each year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you are probably paying anywhere from $1,700 to $2,300 additional every year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 44% to 134% more than a normal policy. View High Risk Driver Rates
Because rates have so much variability, the only way to figure out who has the best car insurance rates is to compare rates from as many companies as possible. Every auto insurance company uses a different method to calculate rates, and rates will be varied from one company to the next.
| 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 Find the Cheapest Volvo V90 Insurance
Finding cheaper rates on Volvo V90 insurance consists of having a good driving record, having a good credit history, being claim-free, and qualifying for all possible discounts. Spend time shopping around every other policy renewal by requesting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
The next list is a recap of the ideas that were touched on above.
- Drivers age 20 and younger are the costliest to insure, possibly costing $434 each month including comprehensive and collision insurance
- High-risk drivers that have major violations or accidents may pay on average $1,660 more per year to buy Volvo V90 insurance
- Increasing comprehensive and collision deductibles can save around $600 each year
- It is possible to save around $170 per year simply by shopping early and online
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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