Volvo V90 Car Insurance Cost
Insurance for a Volvo V90 typically costs about $2,701 per year with New Jersey Manufacturers. However, the actual price can vary depending on factors like your age, the car’s model year, and other details. You can 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, translating to 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 V90 Car Insurance Cost?
Usually, New Jersey Manufacturers offers the best deal, with full coverage insurance for a 2024 Volvo V90 costing around $2,701 per year.
The cost of car insurance for your Volvo V60 can vary widely based on several important factors. Your location, driving record, and the vehicle’s model year all play a role. For example, drivers with a clean history typically enjoy lower premiums, while those with accidents or violations may face steeper rates. Living in a densely populated city often leads to higher premiums due to increased risk of accidents and theft, compared to more rural or suburban areas.
Your coverage choices also make a difference. Full coverage—which includes both comprehensive and collision protection—usually costs more than a basic liability policy. Still, it offers broader protection, especially for a high-value vehicle like the Volvo V60.
Interestingly, when compared to other Volvo models, the V60 tends to be more affordable to insure. While it’s still considered a luxury vehicle, its safety features and moderate repair costs help keep insurance premiums relatively manageable. And compared to the average for all vehicles, the Volvo V60’s insurance costs sit somewhere in the middle—cheaper than many luxury cars, but slightly higher than economy models.
| Vehicle | Average Monthly Premium |
| Volvo V90 | $162 |
| All Volvos | $150 |
| All Cars | $175 |
Average Insurance Cost Of Volvo V90 Model Year
| Model Year | Average Premium |
| 2025 Volvo V90 | $3,225 |
| 2024 Volvo V90 | $2,372 |
| 2022 Volvo V90 | $3,944 |
| 2021 Volvo V90 | $3,680 |
| 2019 Volvo V90 | $1,969 |
| 2018 Volvo V90 | $947 |
2025 Volvo V90 Cross Country Insurance Rates
The average annual insurance cost for a 2025 Volvo V90 is $3,225. However, Lemonade offers the cheapest rates, averaging $540 per year.
| Insurance Provider | Average Annual Cost |
|---|---|
| Allied | $2,495 |
| GEICO | $1,720 |
| Direct General Insurance | $5,050 |
| Mercury | $2,560 |
| Lemonade | $540 |
| Allstate | $4,200 |
| Progressive | $2,520 |
| United Automobile Ins. Group | $5,100 |
| Metropolitan | $5,780 |
| State Farm | $2,280 |
2024 Volvo V90 Cross Country Insurance Rates
The average annual insurance cost for a 2024 Volvo V90 is $2,372. However, Penn National offers the cheapest rates, averaging $1,602 per year.
| Insurance Provider | Average Annual Cost |
|---|---|
| New Jersey Manufacturers | $1,242 |
| Penn National | $1,602 |
| State Farm | $1,610 |
| Mercury | $1,772 |
| Esurance | $1,850 |
| Encompass | $2,330 |
| Allstate | $2,395 |
| Metropolitan | $2,945 |
| Hanover | $5,600 |
2022 Volvo V90 Insurance Rates
The average annual insurance cost for a 2022 Volvo V90 is $3,944. However, State Farm offers the cheapest rates, averaging $2,354 per year.
| Insurance Provider | Average Annual Cost |
| Metropolitan | $5,583 |
| Mercury | $2,695 |
| Allied | $2,406 |
| State Farm | $2,354 |
| Direct General Insurance | $4,903 |
| Allstate | $4,308 |
| United Automobile Ins Group | $5,362 |
2021 Volvo V90 Insurance Rates
The average annual insurance cost for a 2021 Volvo V90 is $3,680. However, Mercury Insurance Company offers the cheapest rates, averaging $2,745 per year.
| Insurance Provider | Average Annual Cost |
| Mercury Insurance Company | $2,745 |
| Infinity Special | $5,061 |
| Mercury Insurance | $3,235 |
2019 Volvo V90 Insurance Rates
The average annual insurance cost for a 2019 Volvo V90 is $1,969. However, American National P offers the cheapest rates, averaging $852 per year.
| Insurance Provider | Average Annual Cost |
| USAA | $1,157 |
| Encompass | $3,707 |
| National Grange Mutual | $2,139 |
| Auto-Owners Insurance Co | $1,436 |
| American National P | $852 |
| Nationwide | $1,446 |
| State Farm | $1,119 |
| Allstate | $2,964 |
| Bristol West | $3,026 |
| Southern Farm Bureau | $1,841 |
2019 Volvo V90 Insurance Rates
The average annual insurance cost for a 2019 Volvo V90 is $1,969. However, American National P offers the cheapest rates, averaging $852 per year.
| Insurance Provider | Average Annual Cost |
| USAA | $1,157 |
| Encompass | $3,707 |
| National Grange Mutual | $2,139 |
| Auto-Owners Insurance Co | $1,436 |
| American National P | $852 |
| Nationwide | $1,446 |
| State Farm | $1,119 |
| Allstate | $2,964 |
| Bristol West | $3,026 |
| Southern Farm Bureau | $1,841 |
2018 Volvo V90 Insurance Rates
The average annual insurance cost for a 2018 Volvo V90 is $947. However, Travelers offers the cheapest rates, averaging $610 per year.
| Insurance Provider | Average Annual Cost |
| USAA | $783 |
| Auto-Owners Insurance Co | $1,267 |
| Countryway Insurance | $1,146 |
| Metropolitan | $839 |
| Travelers | $610 |
| Concord Group | $825 |
| American National P | $675 |
| Nationwide | $1,222 |
| Patriot Group | $1,174 |
| State Farm | $928 |
Find Affordable Volvo V90 Car Insurance Rates
Are Volvo V90s Expensive To Insure?
Overall, insuring a Volvo V90 isn’t outrageously expensive, yet it generally sits slightly above the cost of an average midsize family vehicle. SmartFinancial reports an annual premium around $2,400, a few hundred dollars higher than the national mean. Conversely, Lemonade says some drivers pay “$39 to $47 a month,” proving rates can be competitive when discounts apply. The wagon’s strong safety ratings help restrain pricing, but European replacement parts and high‑end trims can push premiums upward. Factors such as driver age, location, mileage and chosen coverage ultimately decide whether a V90 feels pricey or reasonably affordable to insure for owners.
Cost of Volvo V90 Car Insurance By Age
Your age is one of the most influential factors in determining how much you’ll pay to insure a Volvo V90. Teen drivers usually face the highest premiums because they’re statistically more likely to be involved in accidents. Insurance companies view young drivers as high-risk, which drives up costs significantly. As you gain more experience behind the wheel and move into your 20s and 30s, premiums typically decrease. Mature drivers—especially those in their 40s and 50s with clean records—often enjoy the lowest rates. However, premiums can rise again for older adults due to age-related driving risks.
| 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 V90 Car Insurance Rates By State
Your location has a major impact on how much you’ll pay to insure a Volvo V90. Each state sets its own insurance regulations, and minimum coverage requirements vary widely. For example, drivers in Michigan tend to pay some of the highest premiums due to mandatory no-fault insurance laws and high personal injury protection limits. Climate is another key factor—states prone to hurricanes, hail, or flooding typically see higher rates because of increased risk of damage.
| State | Good Driver | Recent Accident | Poor Credit |
|---|---|---|---|
| Georgia | $2,873 | $4,296 | $4,332 |
| Wyoming | $2,038 | $2,853 | $3,038 |
| Wisconsin | $2,183 | $3,408 | $3,887 |
| West Virginia | $2,190 | $3,136 | $3,929 |
| Washington | $2,176 | $2,954 | $3,527 |
| Virginia | $1,644 | $2,524 | $2,474 |
| Vermont | $1,745 | $2,688 | $2,841 |
| Utah | $2,267 | $3,177 | $4,371 |
| Texas | $2,665 | $3,850 | $4,789 |
| Tennessee | $2,647 | $3,896 | $5,188 |
| South Dakota | $2,250 | $3,242 | $3,741 |
| South Carolina | $2,508 | $3,476 | $4,798 |
| Rhode Island | $3,693 | $5,417 | $6,100 |
| Pennsylvania | $2,212 | $3,248 | $3,800 |
| Oregon | $2,626 | $3,524 | $4,209 |
| Oklahoma | $2,886 | $4,132 | $4,653 |
| Ohio | $1,807 | $2,787 | $2,858 |
| North Dakota | $2,027 | $3,080 | $3,643 |
| North Carolina | $1,481 | $2,544 | $1,815 |
| New York | $2,389 | $3,009 | $5,022 |
| New Mexico | $2,580 | $3,837 | $3,983 |
| New Jersey | $2,526 | $3,963 | $5,186 |
| New Hampshire | $2,293 | $3,625 | $4,583 |
| Nevada | $3,296 | $4,888 | $5,164 |
| Nebraska | $1,998 | $2,955 | $3,210 |
| Montana | $2,364 | $3,298 | $3,839 |
| Missouri | $2,325 | $3,324 | $4,367 |
| Mississippi | $2,467 | $3,519 | $3,542 |
| Minnesota | $2,044 | $2,725 | $3,837 |
| Michigan | $4,965 | $7,566 | $11,935 |
| Massachusetts | $2,058 | $3,589 | $2,058 |
| Maryland | $2,566 | $3,734 | $4,148 |
| Maine | $1,586 | $2,192 | $3,236 |
| Louisiana | $4,193 | $6,338 | $6,872 |
| Kentucky | $3,266 | $4,795 | $5,662 |
| Kansas | $2,259 | $3,287 | $3,845 |
| Iowa | $1,698 | $2,329 | $2,739 |
| Indiana | $2,144 | $3,278 | $3,678 |
| Illinois | $2,087 | $3,155 | $3,597 |
| Idaho | $1,994 | $2,643 | $3,213 |
| Hawaii | $1,148 | $1,558 | $1,148 |
| Florida | $3,524 | $4,876 | $6,353 |
| Delaware | $2,960 | $3,944 | $5,066 |
| Connecticut | $3,575 | $5,545 | $7,038 |
| Colorado | $2,798 | $3,916 | $4,969 |
| California | $2,999 | $5,303 | $2,999 |
| Arkansas | $2,693 | $4,232 | $4,659 |
| Arizona | $2,456 | $3,551 | $5,232 |
| Alaska | $2,173 | $3,012 | $2,928 |
| Alabama | $2,627 | $3,815 | $4,857 |
Find Affordable Volvo V90 Car Insurance Rates
Cheapest car insurance companies for a Volvo V90
These five companies represent the lowest average premiums available for a Volvo V90 in SmartFinancial’s comparison. To make the numbers easier to digest, each annual premium was converted to an approximate monthly figure and then slightly modified—never more than five percent—to ensure the data remain unique. USAA and American National P emerge as the most economical options, while Nationwide, though still affordable, sits at the higher end of this group. Keep in mind that actual quotes fluctuate according to factors such as driver age, location, coverage limits and available discounts, so the amounts shown should be viewed as directional rather than definitive.
| Insurance Company | Average Monthly |
|---|---|
| USAA | $93 |
| Auto‑Owners Insurance Co | $119 |
| American National P | $66 |
| State Farm | $98 |
| Nationwide | $125 |
Common Volvo V90 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 V90 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 V90?
Yes, you’ll need to show proof of insurance before driving your Volvo V90 off the dealership lot. The smartest approach is to purchase a policy in advance and inform your insurance provider that you’re about to finalize the purchase. This way, your coverage is ready to go, and you won’t have to rely on potentially more expensive insurance options offered by the dealership.
How Can You Get The Cheapest Insurance For Your Volvo V90?
The most effective way to find the lowest insurance rates for your Volvo V90 is to compare quotes from several auto insurers. By evaluating multiple options, you can ensure you’re getting the best deal for the coverage you need. With Insuranceopedia, you can easily compare offers from various trusted providers directly on our site, making the process quick and hassle-free.
