Volvo V90 Insurance Rates
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UPDATED: May 4, 2024
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The average insurance rates for a Volvo V90 are $1,456 a year for full coverage insurance. Comprehensive costs on average $312, collision costs $624, and liability costs $384. A liability-only policy costs as little as $432 a year, with high-risk insurance costing around $3,174. Teens cost the most to insure at $5,356 a year or more.
Average premium for full coverage: $1,456
Policy rates by type of insurance:
Includes $500 policy deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 states and for different V90 trim levels.
Price Range Variability
For an average driver, Volvo V90 insurance rates go from as low as $432 for just liability coverage to a much higher rate of $3,174 for a high-risk insurance policy.
Urban vs. Rural Price Range
Your location can have significant affects on insurance rates. Rural areas are shown to have a lower frequency of physical damage claims than cities with more traffic congestion.
The price range example below illustrates the effect of geographic area on car insurance rates.
The examples above illustrate why anyone shopping for car insurance should compare rates based on a specific location and risk profile, instead of 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.
Detailed Rate Analysis
The chart below illustrates estimated Volvo V90 insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $816
- Drivers who choose higher $1,000 deductibles will pay around $212 each year
- The average rate for a good driver age 40 with $500 deductibles is $1,456
- Selecting more expensive low deductibles for comprehensive and collision insurance will increase the cost to $1,870
- Higher-risk drivers with serious driving violations could pay upwards of $3,174 or more
- Policy cost for full coverage for a teen driver with full coverage may cost $5,356 a year
Car insurance rates for a Volvo V90 also range considerably based on your risk profile, the model year and trim level, and policy deductibles and limits.
An older driver with no driving violations and high deductibles may pay as little as $1,400 per year on average, or $117 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged upwards of $5,300 a year. View Rates by Age
Your home state makes a big difference in Volvo V90 insurance prices. A 40-year-old driver could pay as low as $950 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,960 on average in Michigan, New York, and Florida.
| 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% |
Choosing higher comprehensive and collision insurance deductibles could save up to $630 every year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $345 extra every 12 months. 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 at a minimum $1,700 to $2,400 extra every year, depending on your age. High-risk driver insurance can cost as much as 45% to 130% more than the average policy. View High Risk Driver Rates
Because rates have so much variability, the only way to figure out exactly what you will pay is to compare rates and see which company has the best rate. Every company calculates rates differently, so rate quotes will be varied from one company to the next.
| 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 Find the Cheapest Volvo V90 Insurance
Finding cheaper rates on car insurance not only requires avoiding accidents and claims, but also having above-average credit, being claim-free, and maximizing policy discounts. Take the time to compare rates at least every other year by obtaining price quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.
The points below are a recap of the car insurance concepts covered in the above illustrations.
- Higher risk drivers that have major violations or accidents pay an average of $1,720 more each year to insure a Volvo V90
- It is possible to save as much as $180 per year simply by shopping early and online
- Increasing comprehensive and collision deductibles can save around $625 each year
- Policyholders who require increased liability limits will pay approximately $420 annually to go from a 30/60 limit to 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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