Volvo V90 Insurance Rates
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UPDATED: May 4, 2024
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Estimated insurance rates for a Volvo V90 are $1,510 a year including full coverage. Comprehensive insurance costs on average $326 each year, collision costs $672, and liability insurance costs $376. Liability-only insurance costs as little as $426 a year, with high-risk driver insurance costing $3,294 or more. Teen drivers pay the most at $5,532 a year or more.
Average premium for full coverage: $1,510
Premium estimates by type of coverage:
Price estimates include $500 physical damage deductibles, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 U.S. states and V90 models.
Insurance Price Range by Risk and Coverage
For an average driver, insurance rates for a Volvo V90 go from the low end price of $426 for your basic liability-only policy to a high rate of $3,294 for a policy for a high-risk driver.
Insurance Price Range by Location
Your location has a significant impact on car insurance rates. Rural areas are statistically proven to have lower incidents of comprehensive and collision claims than larger metro areas.
The graphic below illustrates the effect of geographic area on car insurance rates.
These rate differences highlight why all drivers should compare rates based on a specific location, rather than relying on price 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.
More Rate Information
The chart below breaks down estimated Volvo V90 insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $843
- Drivers who choose higher $1,000 deductibles will pay around $226 every year
- The estimated price for a 40-year-old good driver with $500 deductibles is $1,510
- Choosing low deductibles for comprehensive and collision insurance will cost an additional $442 a year
- High risk drivers with multiple violations and an at-fault accident could pay upwards of $3,294 or more
- An auto insurance policy that insures a teen driver may cost $5,532 a year
Insurance prices for a Volvo V90 also have a wide range based on the trim level and model year, your driving record and age, and policy deductibles and limits.
If you have a few violations or you caused an accident, you are likely paying at a minimum $1,800 to $2,500 additional annually, depending on your age. Insurance for high-risk drivers can cost anywhere from 45% to 133% more than average. View High Risk Driver Rates
More mature drivers with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,400 per year on average, or $117 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records should be prepared to pay upwards of $5,500 a year. View Rates by Age
Where you choose to live makes a big difference in Volvo V90 insurance rates. A 40-year-old driver could pay as low as $1,160 a year in states like Missouri, New Hampshire, and Vermont, or as much as $2,150 on average in Michigan, New York, and Louisiana.
| 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% |
Choosing high deductibles could save up to $670 each year, whereas increasing liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $339 more each year. View Rates by Deductible or Liability Limit
With such a large range in prices, the best way to figure out exactly what you will pay is to do a rate comparison from as many companies as possible. Every company uses a different rate calculation, and prices will be substantially 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 Cheaper Volvo V90 Insurance
Finding better rates on Volvo V90 insurance not only requires being a safe and courteous driver, but also having a good credit score, refrain from filing small claims, and insuring your home and auto with the same company. Shop around every year by quoting rates from direct car insurance companies, and also from insurance agencies where you live.
Below is a condensed summary of the coverage data covered in the above illustrations.
- You may be able to save as much as $190 per year simply by quoting online in advance
- Increasing policy deductibles can save approximately $675 each year
- Teenage drivers pay higher prices, with the cost nearing $461 per month if comprehensive and collision insurance is included
- High-risk drivers with multiple at-fault accidents could be forced to pay on average $1,780 more each year for auto insurance
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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