Volvo V90 Insurance Rates

The average insurance prices for a Volvo V90 are $1,412 every 12 months for full coverage. Comprehensive insurance costs around $300 each year, collision insurance costs $588, and liability costs $388. Buying just liability costs as little as $434 a year, and insurance for high-risk drivers costs $3,072 or more. Teenage drivers cost the most to insure at up to $5,212 a year.

Average premium for full coverage: $1,412

Policy rates for type of insurance:

Rates are based on $500 deductible amounts, 30/60 liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all states and V90 models.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on auto insurance rates. Areas with sparse population are shown to have more infrequent accident claims than densely populated cities. The graphic below illustrates the difference location can make on auto insurance rates.

The examples above show why all drivers should compare rates for a specific zip code and their own driving history, instead of making a decision based on average rates.

Use the form below to get customized rates for your location.

Additional Rate Information

The chart below shows average Volvo V90 insurance rates for additional coverage choices and driver risks.

• The best discount rate is $795
• Drivers who choose higher $1,000 deductibles will pay about $202 a year
• The average price for a good driver age 40 using $500 deductibles is $1,412
• Using low deductibles for comprehensive and collision insurance costs an extra $394 annually
• Drivers who are prone to accidents and violations could pay at least $3,072
• Policy cost to insure a 16-year-old driver can be $5,212 a year

View Chart as Image

Insurance rates for a Volvo V90 also range considerably based on liability limits and deductibles, your driver profile, and the trim level and model year.

Using high physical damage deductibles could save up to $600 annually, whereas increasing liability limits will increase rates. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $349 more per year. View Rates by Deductible or Liability Limit

More mature drivers with a clean driving record and higher deductibles may pay as low as $1,300 per year on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect to pay as much as $5,200 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying at least $1,700 to $2,300 extra every year, depending on your age. Insurance for high-risk drivers can cost from 44% to 134% more than a normal policy. View High Risk Driver Rates

Your home state makes a big difference in Volvo V90 insurance prices. A 40-year-old driver could pay as low as $930 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,010 on average in Michigan, Louisiana, and New York.

View Chart as Image

How to Shop for the Best Cheap Volvo V90 Insurance

Finding cheaper rates on insurance for a Volvo V90 not only requires having a good driving record, but also having good credit, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Make time to compare rates at every policy renewal by quoting rates from direct carriers, and also from local exclusive and independent agents.

The next list is a quick review of the data touched on in this article.

• Insureds who may need increased levels of liability coverage will pay an extra $430 each year to go from a 30/60 limit to a 250/500 level
• Drivers can save up to $170 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles could save as much as $600 each year
• Drivers age 20 and younger pay higher rates, costing up to $434 each month if they have full coverage