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.

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Updated: 31 May 2025
Written by Bob Phillips
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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

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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

 

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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.

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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Quotes Analyzed

58

Brands Reviewed

40+

Research Hours

15+

Years Of Experience

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.

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