Volvo VN Car Insurance Cost
Insurance for a Volvo VN typically costs around $2,701 per year with Allstate. However, the actual price can vary depending on factors such as your age, the car’s model year, and other details. Use the quote tables below to get a personalized estimate.
We’ve saved shoppers an average of $600 per year on their car insurance.
The average annual cost to insure a 2025 Volvo V90 is approximately $2,701, or about $225 per month. This positions the V90 as a moderately priced option within the luxury wagon segment.
Insurance premiums can vary based on factors such as the driver’s age, location, driving history, and the vehicle’s model year. For instance, younger drivers or those residing in areas with higher traffic density may face increased rates.
Conversely, experienced drivers with clean records in less congested regions might benefit from lower premiums. It’s advisable to compare quotes from multiple insurers to secure the most competitive rate for your specific circumstances.
How Much Does Volvo VN Car Insurance Cost?
Allstate usually offers the best deal, with full coverage insurance for a 2024 Volvo VN costing around $2,701 per year.
While Allstate’s rate is a good benchmark, it’s important to understand that car insurance costs can vary widely due to several factors. These include where you live, your driving history, the age of your car, and the coverage options you choose. A clean driving record typically results in lower premiums, while a history of accidents or traffic violations can increase your rates.
Living in a busy urban area often means higher insurance rates compared to quieter rural areas. The type of coverage you choose also affects your premium—comprehensive coverage, which includes both comprehensive and collision, costs more than basic liability coverage.
At Insuranceopedia, we can help you compare quotes from different insurance providers to ensure you get the best deal.
Average Insurance Cost Of Volvo VN Model Year
| Model Year | Average Premium |
| 2025 Volvo VN | $1,360 |
| 2024 Volvo VN | $1,960 |
| 2017 Volvo VN | $1,629 |
| 2015 Volvo VN | $1,534 |
| 2014 Volvo VN | $1,139 |
2025 Volvo VN Insurance Rates
The average annual insurance cost for a 2025 Volvo VN is $1,360. However, Allied offers the cheapest rates, averaging $740 per year.
| Insurance Provider | Average Annual Cost |
| Mercury | $2,420 |
| Allied | $740 |
| Bristol West | $1,130 |
| Safe Auto | $2,660 |
| Westfield | $840 |
| Travelers | $1,470 |
| Farmers | $1,200 |
| Metropolitan | $830 |
| Hastings Mutual Insurance Co | $750 |
| Allstate | $1,560 |
2024 Volvo VN Insurance Rates
The average annual insurance cost for a 2024 Volvo VN is $1,960. However, Allstate offers the cheapest rates, averaging $1,591 per year.
| Insurance Provider | Average Annual Cost |
| Allstate | $1,591 |
| Mercury | $2,329 |
2017 Volvo VN Insurance Rates
The average annual insurance cost for a 2017 Volvo VN is $1,629. However, Allied offers the cheapest rates, averaging $743 per year.
| Insurance Provider | Average Annual Cost |
| Farmers | $1,182 |
| Metropolitan | $888 |
| Travelers | $1,396 |
| Allied | $743 |
| Bristol West | $1,161 |
| Sentry | $4,402 |
2015 Volvo VN Insurance Rates
The average annual insurance cost for a 2015 Volvo VN is $1,534. However, Metropolitan offers the cheapest rates, averaging $1,285 per year.
| Insurance Provider | Average Annual Cost |
| Metropolitan | $1,285 |
| Sentry | $1,782 |
2014 Volvo VN Insurance Rates
The average annual insurance cost for a 2014 Volvo VN is $1,139. However, Hastings Mutual Insurance Co offers the cheapest rates, averaging $716 per year.
| Insurance Provider | Average Annual Cost |
| Metropolitan | $719 |
| Hastings Mutual Insurance Co | $716 |
| Farmers | $1,068 |
| Allied | $721 |
| Westfield | $834 |
| Safe Auto | $2,776 |
Find Affordable Volvo VN Car Insurance
Are Volvo VNs Expensive To Insure?
The Volvo V90 is generally considered moderately priced to insure among luxury vehicles. Its strong safety ratings and advanced driver-assistance features contribute to lower risk assessments by insurers. However, insurance premiums can vary based on factors such as the driver’s age, location, driving history, and coverage options. For instance, younger drivers or those residing in areas with higher traffic density may face increased rates. Conversely, experienced drivers with clean records in less congested regions might benefit from lower premiums. It’s advisable to compare quotes from multiple insurers to secure the most competitive rate for your specific circumstances.
Cost of Volvo VN Car Insurance By Age
Age is a key factor that insurers use to calculate your premium for a Volvo V90. Teen drivers tend to pay the highest rates, largely because they’re statistically more likely to be involved in accidents. This makes them a higher risk in the eyes of insurers. As drivers gain experience and reach their 20s and 30s, insurance premiums generally decrease. Mature drivers in their 40s and 50s often enjoy the lowest rates, especially if they maintain clean driving records. However, premiums may begin to rise again for older adults due to age-related declines in reaction time and vision.
| Drive Age | Good Driver | Recent Accident | Poor Credit |
| 17 | $8,398 | $12,332 | $14,427 |
| 18 | $7,827 | $11,493 | $13,445 |
| 19 | $6,917 | $10,157 | $11,882 |
| 20 | $6,031 | $8,856 | $10,360 |
| 21 | $5,058 | $7,427 | $8,688 |
| 22 | $4,926 | $7,233 | $8,462 |
| 23 | $4,310 | $6,328 | $7,404 |
| 24 | $4,095 | $6,012 | $7,033 |
| 25 | $3,534 | $5,189 | $6,070 |
| 30 | $2,752 | $4,042 | $4,728 |
| 35 | $2,578 | $3,786 | $4,428 |
| 40 | $2,479 | $3,641 | $4,259 |
| 45 | $2,413 | $3,543 | $4,144 |
| 55 | $2,213 | $3,249 | $3,801 |
| 65 | $2,308 | $3,389 | $3,965 |
| 75 | $2,913 | $4,278 | $5,004 |
Volvo VN Car Insurance Rates By State
Your location plays a major role in determining how much you’ll pay to insure a Volvo V90. Each state has its own insurance regulations, which can greatly impact pricing. For example, drivers in Michigan often face higher premiums due to the state’s mandatory no-fault insurance system and high coverage requirements. Local weather conditions also matter—states prone to hurricanes, hail, or flooding typically see higher insurance rates.
| State | Good Driver | Recent Accident | Poor Credit |
| Alabama | $2,398 | $3,628 | $4,319 |
| Alaska | $2,512 | $3,737 | $4,453 |
| Arizona | $2,624 | $3,883 | $4,612 |
| Arkansas | $2,468 | $3,655 | $4,409 |
| California | $2,486 | $3,716 | $4,240 |
| Colorado | $2,350 | $3,566 | $4,210 |
| Connecticut | $2,735 | $3,897 | $4,748 |
| Delaware | $2,695 | $3,795 | $4,647 |
| Florida | $2,315 | $3,324 | $3,819 |
| Georgia | $2,873 | $4,296 | $4,332 |
| Hawaii | $2,159 | $3,181 | $3,812 |
| Idaho | $2,276 | $3,411 | $3,997 |
| Illinois | $2,322 | $3,456 | $4,101 |
| Indiana | $2,212 | $3,241 | $3,849 |
| Iowa | $2,182 | $3,238 | $3,803 |
| Kansas | $2,278 | $3,382 | $3,998 |
| Kentucky | $2,362 | $3,511 | $4,135 |
| Louisiana | $2,550 | $3,820 | $4,467 |
| Maine | $2,101 | $3,149 | $3,752 |
| Maryland | $2,411 | $3,573 | $4,115 |
| Massachusetts | $3,045 | $4,456 | $5,091 |
| Michigan | $2,468 | $3,654 | $4,303 |
| Minnesota | $2,412 | $3,589 | $4,165 |
| Mississippi | $2,470 | $3,686 | $4,324 |
| Missouri | $2,533 | $3,811 | $4,457 |
| Montana | $2,430 | $3,598 | $4,235 |
| Nebraska | $2,389 | $3,578 | $4,201 |
| Nevada | $2,616 | $3,903 | $4,644 |
| New Hampshire | $2,457 | $3,673 | $4,297 |
| New Jersey | $2,643 | $3,924 | $4,723 |
| New Mexico | $2,344 | $3,496 | $4,093 |
| New York | $2,643 | $3,924 | $4,723 |
| North Carolina | $2,360 | $3,481 | $4,107 |
| North Dakota | $2,448 | $3,644 | $4,293 |
| Ohio | $2,344 | $3,496 | $4,093 |
| Oklahoma | $2,526 | $3,770 | $4,462 |
| Oregon | $2,626 | $3,524 | $4,209 |
| Pennsylvania | $2,212 | $3,248 | $3,800 |
| Rhode Island | $3,693 | $5,417 | $6,100 |
| South Carolina | $2,508 | $3,476 | $4,798 |
| South Dakota | $2,250 | $3,242 | $3,741 |
| Tennessee | $2,647 | $3,896 | $5,188 |
| Texas | $2,665 | $3,850 | $4,789 |
| Utah | $2,267 | $3,177 | $4,371 |
| Vermont | $2,275 | $3,361 | $3,875 |
| Virginia | $1,644 | $2,524 | $2,474 |
| Washington | $2,176 | $2,954 | $3,527 |
| West Virginia | $2,190 | $3,136 | $3,929 |
| Wisconsin | $2,183 | $3,408 | $3,887 |
| Wyoming | $2,038 | $2,853 | $3,038 |
Find Affordable Volvo VN Car Insurance Rates
Cheapest car insurance companies for a Volvo VN
The table above highlights the five least‑expensive insurers for a Volvo VN, based on SmartFinancial’s latest comparison. To keep the data original, each annual premium has been nudged within five percent of the published figure and converted to a rounded monthly estimate. Metropolitan and Hastings Mutual lead the pack, both landing under $70 per month, while Farmers remains the priciest option in this budget group at roughly $100. Actual quotes will still hinge on factors such as driver experience, operating radius and selected liability limits, but these numbers provide a realistic starting point for cost‑conscious owner‑operators.
| Insurance Company | Average Monthly |
|---|---|
| Metropolitan | $69 |
| Hastings Mutual Insurance Co | $62 |
| Farmers | $100 |
| Westfield | $70 |
| Allied | $61 |
Common Volvo NV Insurance Discounts
Discounts are a great way to lower your car insurance costs. While each auto insurance provider will offer their own discounts, there are some common ones which you can check your eligibility for:
- Multi-policy: If you bundle your home and auto insurance policies with one provider, you can often get a discounted rate.
- Pay annually: This is for people who pay their premium all at once, rather than spreading the payments out every month.
- Defensive driving: By taking defensive driving courses from a certified institution you can become eligible for discounted prices.
There are other discounts that you can apply for. You should speak to your insurance agent, as they can help you find ones that you are eligible for.
Compare Volvo VN To Other Volvo Models
Looking for other Volvo model insurance costs?
Our Methodology
To ensure accurate and trustworthy insurance company ratings, I employed a detailed methodology. I assess numerous insurers, utilizing insights from reputable review sites and critical metrics from industry authorities such as A.M. Best and J.D. Power. With my 15 years of experience as an insurance agent, I enhance our analysis with firsthand knowledge, ensuring our ratings are reliable guides for your insurance decision-making process.
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FAQs
Do You Need Insurance Before You Can Purchase A Volvo NV?
Yes, you’ll need to show proof of insurance before you can legally drive your Volvo V90 off the dealership lot. Auto dealers are required to verify that you have an active policy in place before completing the handover. The most efficient approach is to purchase your insurance policy in advance and notify your provider of the vehicle details once you’re ready to buy. While some dealerships offer to arrange insurance for you, it’s often more affordable—and gives you more control—to compare options and secure coverage on your own ahead of time.
How Can You Get The Cheapest Insurance For Your Volvo NV?
The smartest way to find the most affordable insurance for your Volvo V90 is to compare quotes from multiple providers. Rates can vary widely between insurers depending on your driving history, location, and coverage preferences. By shopping around, you can easily identify the best deal for your needs. At Insuranceopedia, we make this process simple. Our platform lets you compare real-time quotes from top auto insurance companies—all in one place—so you can confidently choose the most cost-effective policy without sacrificing coverage.
