Volvo V90 Insurance Rates
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UPDATED: May 4, 2024
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Estimated insurance prices for a Volvo V90 are $1,510 every 12 months for full coverage. Comprehensive costs on average $326, collision insurance costs $672, and liability is estimated at $376. Liability-only insurance costs approximately $426 a year, and high-risk driver insurance costs around $3,294. Teens pay the most at up to $5,532 a year.
Average premium for full coverage: $1,510
Premium estimates by type of coverage:
Prices are based on $500 deductible amounts, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all states and for all V90 models.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a Volvo V90 range from the cheapest price of $426 for just the minimum liability insurance to the much higher price of $3,294 for a driver who has had serious violations or accidents.
Insurance Price Range by Location
Living in a larger city can make a big difference on car insurance rates. Rural areas are statistically proven to have more infrequent accident claims than cities with more traffic congestion. The example below illustrates how location helps determine car insurance rates.
These rate differences show why everyone should get quotes based on a specific location and their own driving history, instead of making a decision based on 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.
Additional Rate Analysis
The chart below shows average Volvo V90 insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $843
- Choosing higher $1,000 deductibles can save around $226 a year
- The average price for a 40-year-old good driver with $500 deductibles is $1,510
- Selecting pricier low deductibles for comp and collision coverage increases the price to $1,952
- Higher-risk drivers with serious driving violations could pay upwards of $3,294
- An auto insurance policy to insure a 16-year-old driver for full coverage may cost $5,532 each year
Insurance prices for a Volvo V90 also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the trim level of your V90.
Choosing higher comprehensive and collision insurance deductibles can save as much as $670 annually, whereas buying more liability protection will cost you more. Going from a 50/100 liability limit to a 250/500 limit will cost up to $339 more each year. View Rates by Deductible or Liability Limit
A more mature driver with no violations or accidents and higher deductibles may pay as low as $1,400 annually on average, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers should be prepared to pay upwards of $5,500 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you could be paying at a minimum $1,800 to $2,500 additional annually, depending on your age. Volvo V90 insurance for high-risk drivers ranges from 45% to 133% more than the average policy. View High Risk Driver Rates
Where you choose to 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 Idaho, Maine, and Iowa, or have to pay at least $2,150 on average in Michigan, Louisiana, and New York.
| 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% |
| 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 Shop for Affordable Volvo V90 Insurance
Finding better rates on insurance for a Volvo V90 takes having a good driving record, having above-average credit, not filing small claims, and dropping full coverage on older vehicles. Invest time comparing rates every other policy renewal by getting quotes from direct carriers, and also from local independent and exclusive agents.
The next list is a brief review of the ideas that were covered in the charts and tables above.
- Drivers age 20 and younger pay higher prices, as much as $461 per month if full coverage is included
- Drivers considered higher risk with DUI or reckless driving convictions pay an average of $1,780 more each year to buy Volvo V90 insurance
- Increasing policy deductibles could save as much as $675 each year
- Drivers can save as much as $190 per year just by quoting online well ahead of the renewal date
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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