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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Average auto insurance rates for a Volvo V90 are $1,456 annually including full coverage. Comprehensive costs on average $312, collision costs $624, and liability costs around $384. Liability-only coverage costs as low as $432 a year, with high-risk coverage costing around $3,174. 16-year-old drivers receive the highest rates at $5,356 a year or more.
Average premium for full coverage: $1,456
Rate estimates by individual coverage type:
Includes $500 policy deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and for all V90 models.
Price Range by Coverage and Risk
Using a middle-aged driver as an example, prices range go from as cheap as $432 for just liability insurance to the much higher price of $3,174 for a high-risk driver policy.
Price Range by Location
Where you live can have significant affects on car insurance rates. Rural areas tend to have fewer comprehensive and collision claims than congested cities.
The example below illustrates how where you live affects car insurance rates.
These examples highlight why everyone should compare prices based on a specific location and their own personal driving habits, instead of using rate averages.
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 Details
The chart below breaks down estimated Volvo V90 insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $816
- Using higher $1,000 deductibles will save around $212 every year
- The estimated rate for a 40-year-old driver with $500 deductibles is $1,456
- Buying pricier low deductibles for physical damage coverage will cost $1,870
- Drivers with multiple tickets or accidents could pay upwards of $3,174 or more
- The cost with full coverage for a teen driver for full coverage may cost $5,356 or more
Car insurance rates for a Volvo V90 can also vary considerably based on the trim level of your V90, your driving characteristics, and policy deductibles and limits.
A more mature driver with no driving violations and high physical damage deductibles may pay as little as $1,400 a year for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will be charged upwards of $5,300 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are likely paying at a minimum $1,700 to $2,400 extra per year, depending on your age. Volvo V90 insurance for high-risk drivers can be as much as 45% to 130% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could cut rates by as much as $630 every year, whereas buying more liability protection will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $345 extra every 12 months. View Rates by Deductible or Liability Limit
Where you live has a huge impact on Volvo V90 insurance prices. A driver around age 40 might see rates as low as $1,120 a year in states like Missouri, New Hampshire, and Vermont, or at least $2,080 on average in Michigan, New York, and Louisiana.
| 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% |
With so much variability in rates, the best way to figure out exactly what you will pay is to regularly compare rates and see which company has the best rate. Each insurance company utilizes a different rate formula, so rate quotes can be significantly different between companies.
| 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 Buy the Cheapest Volvo V90 Insurance
Saving money on car insurance requires being a good driver, having a good credit score, not filing small claims, and maximizing policy discounts. Take the time to comparison shop every time your policy renews by requesting quotes from direct car insurance companies like Progressive and GEICO, and also from several local insurance agents.
The following list is a recap of the information touched on in the above illustrations.
- You may be able to save as much as $180 per year simply by quoting online well ahead of the renewal date
- Drivers age 16 to 20 are expensive to insure, as much as $446 per month if comprehensive and collision insurance is included
- Increasing deductibles could save up to $625 each year
- Higher risk drivers that have major violations or accidents pay on average $1,720 more each year than a safer driver
- Policyholders who require an increased level of liability coverage will pay around $420 per year to increase from a minimum limit to higher 250/500 limits
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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