Volvo V90 Insurance Rates

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UPDATED: May 4, 2024

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Estimated auto insurance rates for a Volvo V90 are $1,456 annually including full coverage. Comprehensive costs on average $312 each year, collision costs $624, and liability coverage is $384. A liability-only policy costs around $432 a year, with high-risk insurance costing around $3,174. Teens pay the most at $5,356 a year or more.

Average premium for full coverage: $1,456

Premium estimates by type of coverage:

Comprehensive $312
Collision $624
Liability $384

These estimates include $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 U.S. states and V90 models.

Insurance Price Range by Risk and Coverage

For an average driver, insurance rates for a Volvo V90 go from as cheap as $432 for minimum levels of liability insurance to a high rate of $3,174 for a driver who requires high-risk insurance.

Liability Only $432
Full Coverage $1,456
High Risk $3,174

Insurance Price Range by Location

Choosing to live in a large city has a large influence on car insurance rates. Rural areas are statistically proven to have fewer comprehensive and collision claims than cities with more traffic congestion.

The graphic below illustrates the effect of geographic area on car insurance rates.

Rural Areas $1,092
Small Cities $1,529
Large Cities $1,966

These rate differences highlight why all drivers should compare rates quotes based on a specific location and their own personal driving habits, rather than using averaged prices.

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 Details

The chart below breaks down estimated Volvo V90 insurance rates for different risk profiles and scenarios.

  • The cheapest rate after discounts is $816
  • Raising to $1,000 deductibles will save around $212 every year
  • The estimated rate for a 40-year-old good driver with $500 deductibles is $1,456
  • Selecting low deductibles will cost $1,870
  • Unlucky drivers with serious driving violations could pay upwards of $3,174 or more
  • An auto insurance policy with full coverage for a teenage driver may cost $5,356

View Chart as Image

Volvo V90 insurance cost comparison chart
Column chart showing full coverage Volvo V90 insurance rates range from $816 to $5,356

Auto insurance prices for a Volvo V90 also have a wide range based on the model of your V90, your driving characteristics, and policy deductibles and limits.

More mature drivers with a good driving record and high physical damage deductibles may only pay around $1,400 every 12 months on average, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will have to pay upwards of $5,300 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are likely paying at a minimum $1,700 to $2,400 in extra premium annually, depending on your age. Insurance for high-risk drivers is expensive and can cost around 45% to 130% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $630 a year, whereas increasing liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $345 extra every year. View Rates by Deductible or Liability Limit

Where you choose to live also has a big influence on Volvo V90 insurance rates. A middle-age driver might find prices as low as $1,120 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $2,080 on average in Michigan, New York, and Louisiana.

Volvo V90 Insurance Rates by State
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%

View Chart as Image

Volvo V90 insurance rates by U.S. city

With such a large range in prices, the best way to figure out exactly what you will pay is to do a rate comparison and see how they stack up. Every auto insurance company calculates prices differently, and quoted prices will be substantially different between companies.

Volvo V90 Insurance Rates by Model Year
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 Cheap Volvo V90 Insurance

Finding better rates on auto insurance consists of being a low-risk driver, having above-average credit, refrain from filing small claims, and taking advantage of discounts. Take the time to compare rates at every other renewal by requesting rates from direct car insurance companies, and also from several local insurance agents.

The items below are a brief summary of the concepts that were covered in the above illustrations.

  • Drivers that tend to have accidents or serious violations pay on average $1,720 more each year to insure their V90
  • Teen drivers are charged the highest prices, with the cost nearing $446 per month if full coverage is included
  • You may be able to save as much as $180 per year simply by quoting online in advance
  • Increasing policy deductibles could save up to $625 each year
  • You may be able to save as much as $180 per year simply by quoting online in advance

Rates by Driver Age

Volvo V90 Insurance 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

Volvo V90 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,870
$250 $1,678
$500 $1,456
$1,000 $1,244

Full coverage, driver age 40

Rates by Liability Limit

Volvo V90 Insurance Rates with Different Liability Limits
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

Volvo V90 Insurance 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.

SR-22 Surcharge $210

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
Rate after discounts $816

Discounts are estimated and may not be available from every company or in every state.

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