Volvo V90 Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 4, 2024

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U.S. average insurance rates for a Volvo V90 are $1,510 a year including full coverage. Comprehensive insurance costs around $326 a year, collision costs $672, and liability coverage costs around $376. Liability-only coverage costs as low as $426 a year, with high-risk coverage costing $3,294 or more. Teens pay the highest rates at $5,532 a year or more.

Average premium for full coverage: $1,510

Price estimates for individual coverage:

Comprehensive $326
Collision $672
Liability $376

Full coverage includes $500 policy deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and V90 trim levels.

Price Range from Low to High

For the average 40-year-old driver, Volvo V90 insurance prices go from the low end price of $426 for just liability insurance to a high of $3,294 for a driver required to buy high-risk insurance.

Liability Only $426
Full Coverage $1,510
High Risk $3,294

Geographic Price Range

Where you live has a large influence on the price of insurance. Areas with sparse population have lower incidents of comprehensive and collision claims than cities with more traffic congestion.

The diagram below illustrates the difference location can make on auto insurance rates.

Rural Areas $1,133
Small Cities $1,586
Large Cities $2,039

The ranges above highlight why it is important to compare prices for a specific zip code, 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.

More Rate Details

The chart below breaks down estimated Volvo V90 insurance rates for additional coverage choices and driver risks.

  • The cheapest rate after discounts is $843
  • Using higher $1,000 deductibles will save about $1,284 every year
  • The estimated price for the average middle-age driver using $500 deductibles is $1,510
  • Selecting low $100 deductibles for physical damage coverage will cost an additional $442 each year
  • Higher-risk drivers with serious driving violations could pay at least $3,294 or more
  • The price that insures a teenage driver can be $5,532 or more

View Chart as Image

Volvo V90 insurance cost comparison chart
Column chart showing full coverage Volvo V90 insurance prices range from $843 to $5,532

Auto insurance prices for a Volvo V90 are also quite variable based on the trim level of your V90, your driving record and age, and deductibles and policy limits.

If you have some driving violations or you caused an accident, you are likely paying at least $1,800 to $2,500 in extra premium each year, depending on your age. A high-risk auto insurance policy can be around 45% to 133% more than the average policy. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles may only pay around $1,400 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will have to pay as much as $5,500 a year. View Rates by Age

The state you live in has a huge impact on Volvo V90 insurance rates. A driver around age 40 might see prices as low as $1,160 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $2,150 on average in Michigan, New York, and Louisiana.

Volvo V90 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,364 -$146 -9.7%
Alaska $1,158 -$352 -23.3%
Arizona $1,252 -$258 -17.1%
Arkansas $1,510 -$0 0.0%
California $1,720 $210 13.9%
Colorado $1,440 -$70 -4.6%
Connecticut $1,548 $38 2.5%
Delaware $1,706 $196 13.0%
Florida $1,884 $374 24.8%
Georgia $1,394 -$116 -7.7%
Hawaii $1,084 -$426 -28.2%
Idaho $1,022 -$488 -32.3%
Illinois $1,122 -$388 -25.7%
Indiana $1,138 -$372 -24.6%
Iowa $1,018 -$492 -32.6%
Kansas $1,434 -$76 -5.0%
Kentucky $2,056 $546 36.2%
Louisiana $2,232 $722 47.8%
Maine $930 -$580 -38.4%
Maryland $1,244 -$266 -17.6%
Massachusetts $1,204 -$306 -20.3%
Michigan $2,622 $1,112 73.6%
Minnesota $1,262 -$248 -16.4%
Mississippi $1,806 $296 19.6%
Missouri $1,338 -$172 -11.4%
Montana $1,620 $110 7.3%
Nebraska $1,188 -$322 -21.3%
Nevada $1,808 $298 19.7%
New Hampshire $1,088 -$422 -27.9%
New Jersey $1,686 $176 11.7%
New Mexico $1,336 -$174 -11.5%
New York $1,588 $78 5.2%
North Carolina $868 -$642 -42.5%
North Dakota $1,236 -$274 -18.1%
Ohio $1,040 -$470 -31.1%
Oklahoma $1,548 $38 2.5%
Oregon $1,382 -$128 -8.5%
Pennsylvania $1,436 -$74 -4.9%
Rhode Island $2,012 $502 33.2%
South Carolina $1,366 -$144 -9.5%
South Dakota $1,272 -$238 -15.8%
Tennessee $1,320 -$190 -12.6%
Texas $1,818 $308 20.4%
Utah $1,116 -$394 -26.1%
Vermont $1,030 -$480 -31.8%
Virginia $904 -$606 -40.1%
Washington $1,164 -$346 -22.9%
West Virginia $1,382 -$128 -8.5%
Wisconsin $1,044 -$466 -30.9%
Wyoming $1,342 -$168 -11.1%

View Chart as Image

Volvo V90 insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $670 a year, while buying higher liability limits will increase prices. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $339 extra every year. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to figure out your exact price is to get quotes and see how they stack up. Each insurance company calculates prices differently, and quoted prices may be quite different.

Volvo V90 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2021 Volvo V90 $356 $726 $354 $1,572
2020 Volvo V90 $344 $696 $364 $1,540
2019 Volvo V90 $326 $672 $376 $1,510
2018 Volvo V90 $312 $624 $384 $1,456

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 More Affordable Volvo V90 Insurance

Getting lower rates on auto insurance requires being a good driver, maintaining a good credit score, being claim-free, and maximizing policy discounts. Compare rates at every policy renewal by requesting rates from direct car insurance companies, and also from local insurance agencies.

The following list is a summary of the data touched on in this article.

  • Consumers who may need an increased level of liability coverage will pay approximately $410 per year to increase from a low limit to the 250/500 level
  • You may be able to save up to $190 per year simply by quoting early and online
  • Increasing physical damage deductibles can save approximately $675 each year
  • Drivers age 16 to 20 are expensive to insure, possibly costing $461 a month if the policy includes full coverage

Rates by Driver Age

Volvo V90 Insurance Rates by Driver Age
Driver Age Premium
16 $5,532
20 $3,514
30 $1,586
40 $1,510
50 $1,378
60 $1,354

Full coverage, $500 deductibles

Rates by Deductible

Volvo V90 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,952
$250 $1,746
$500 $1,510
$1,000 $1,284

Full coverage, driver age 40

Rates by Liability Limit

Volvo V90 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,510
50/100 $1,585
100/300 $1,679
250/500 $1,924
100 CSL $1,623
300 CSL $1,830
500 CSL $1,980

Full coverage, driver age 40

Rates for High Risk Drivers

Volvo V90 Insurance Rates for High Risk Drivers
Age Premium
16 $7,942
20 $5,604
30 $3,380
40 $3,294
50 $3,142
60 $3,116

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 $219

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $82
Multi-vehicle $80
Homeowner $21
5-yr Accident Free $120
5-yr Claim Free $100
Paid in Full/EFT $75
Advance Quote $79
Online Quote $110
Total Discounts $667
Rate after discounts $843

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

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