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 $1,412 annually for full coverage. Comprehensive costs on average $300 each year, collision insurance costs $588, and liability insurance is $388. A policy with just liability insurance costs around $434 a year, and coverage for high-risk drivers costs around $3,072. 16-year-old drivers receive the highest rates at up to $5,212 a year.
Average premium for full coverage: $1,412
Rate estimates by individual coverage type:
These estimates include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all states and V90 models.
Price Range by Coverage and Risk
For a 40-year-old driver, prices range range from as cheap as $434 for minimum levels of liability insurance to a high rate of $3,072 for a driver that may need high-risk insurance.
Price Range by Location
Choosing to live in a large city has a significant impact on car insurance rates. Rural areas tend to have fewer accident claims than congested cities. The graphic below illustrates how your location can change car insurance rates.
These examples show why all drivers should compare rates quotes based on a specific location and their own personal driving habits, rather than relying on 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.
Additional Rate Details
The chart below shows average Volvo V90 insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $795
- Raising to $1,000 deductibles will save around $202 a year
- The estimated rate for a 40-year-old driver with $500 deductibles is $1,412
- Buying low deductibles will cost $1,806
- Higher-risk drivers with multiple tickets or accidents could pay upwards of $3,072
- The cost with full coverage for a teen driver may cost $5,212
Insurance rates for a Volvo V90 can also vary considerably based on the trim level of your V90, your driver profile, and policy deductibles and limits.
More mature drivers with no violations or accidents and high physical damage deductibles could pay as little as $1,300 every 12 months on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they should be prepared to pay upwards of $5,200 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you could be paying at a minimum $1,700 to $2,300 additional per year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 44% to 134% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can reduce rates by up to $600 each year, whereas increasing liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $349 more each year. View Rates by Deductible or Liability Limit
Where you live also has a big influence on Volvo V90 insurance rates. A middle-age driver might find rates as low as $930 a year in states like Idaho, Maine, and Iowa, or at least $2,010 on average in Michigan, Louisiana, and New York.
| 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% |
| 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 Buy Cheap Volvo V90 Insurance
Saving money on Volvo V90 insurance consists of avoiding accidents and violations, having good credit, eliminating unneeded coverage, and dropping full coverage on older vehicles. Invest the time to shop around once a year by quoting rates from direct carriers like Progressive and GEICO, and also from local insurance agents.
The list below is a brief summary of the data that was illustrated above.
- Drivers can save as much as $170 per year just by quoting online in advance
- Drivers who require higher liability limits will pay around $430 each year to raise from a minimum limit to higher 250/500 limits
- Teenagers pay higher rates, costing as high as $434 per month if they have full coverage
- High-risk drivers that tend to have accidents or serious violations may be required to pay an average of $1,660 more each year for car insurance
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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