Volvo V90 Insurance Rates
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UPDATED: May 4, 2024
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Average insurance rates for a Volvo V90 are $1,510 a year for full coverage insurance. Comprehensive insurance costs approximately $326 a year, collision costs $672, and liability is estimated at $376. A liability-only policy costs approximately $426 a year, with high-risk insurance costing $3,294 or more. Teenage drivers receive the highest rates at $5,532 a year or more.
Average premium for full coverage: $1,510
Rate estimates by individual coverage type:
Full coverage includes $500 policy deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 states and V90 trim levels.
Price Range by Coverage and Risk
For a 40-year-old driver, prices range go from the low end price of $426 for just the minimum liability insurance to a high of $3,294 for coverage for higher-risk drivers.
Price Range by Location
Living in a larger city can make a big difference on the price of auto insurance. Rural locations tend to have lower incidents of physical damage claims than densely populated cities.
The diagram below illustrates how your location can change auto insurance prices.
These examples illustrate why it is important to get quotes using their specific location, instead of making a decision based on average rates.
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 Analysis
The chart below illustrates estimated Volvo V90 insurance rates for additional coverage and risk scenarios.
- The best discount rate is $843
- Choosing higher $1,000 deductibles can save $1,284 each year
- The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,510
- Using low $100 deductibles for comp and collision coverage will cost an additional $442 annually
- Higher-risk drivers who are prone to accidents and violations could pay around $3,294 or more
- The cost that insures a 16-year-old driver can cost $5,532 each year
Insurance rates for a Volvo V90 can also vary considerably based on the trim level of your V90, your age and driving record, and physical damage deductibles and liability limits.
If you like to drive fast or you caused an accident, you are probably paying anywhere from $1,800 to $2,500 extra per year, depending on your age. A high-risk auto insurance policy ranges from 45% to 133% more than a normal policy. View High Risk Driver Rates
Older drivers with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,400 annually on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records can expect to pay in the ballpark of $5,500 a year. View Rates by Age
Where you live plays a big part in determining prices for Volvo V90 insurance prices. A good driver about age 40 could pay as low as $990 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $2,040 on average in Florida, New York, and Michigan.
| 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% |
Using high physical damage deductibles can save as much as $670 annually, while buying higher liability limits will push rates upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $339 more per year. View Rates by Deductible or Liability Limit
With so much variability in rates, the only way to figure out who has the best car insurance rates is to get quotes from multiple companies. Each auto insurer uses a different method to calculate rates, so the rates can be significantly different.
| 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
Saving money on insurance for a Volvo V90 takes avoiding accidents and claims, having above-average credit, avoid buying unnecessary coverage, and maximizing policy discounts. Compare prices at least once a year by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.
The points below are a summary of the primary concepts that were illustrated above.
- It is possible to save around $190 per year simply by quoting early and online
- Drivers considered higher risk who have multiple accidents or major violations could be charged and average of $1,780 more per year to insure a Volvo V90
- Increasing deductibles can save approximately $675 each year
- Drivers under the age of 20 are expensive to insure, costing up to $461 per month if full coverage is included
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,952 |
| $250 | $1,746 |
| $500 | $1,510 |
| $1,000 | $1,284 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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