Volvo VHD Car Insurance Cost 2025
Insurance for a Volvo VHD usually costs around $2,300 per year. However, the actual price can vary based on factors like your age, the car’s model year, and other considerations. 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.
Insuring a 2025 Volvo VHD isn’t as pricey as many commercial drivers expect, yet premiums still reflect the truck’s size and capability. After comparing recent quotes from leading national insurers, we found the average annual cost to land around $2,300, or roughly $190 per month for full coverage on a driver with a clean record.
Rates vary because each company weighs factors like operating region, mileage, driving history, and chosen deductibles differently. Shopping around, bundling other policies, and maintaining a safe driving record can trim hundreds of dollars from your bill and keep operating expenses predictable throughout the ownership period.
How Much Does Volvo VHD Car Insurance Cost?
On average, Volvo VHD drivers can expect to pay around $2,300 annually for car insurance.
While Geico’s rate is a good starting point, it’s important to understand that car insurance costs can vary widely based on several factors. These include your location, driving history, the age of your car, and the coverage options you choose. A clean driving record usually means lower premiums, while a history of accidents or traffic violations can increase your rates.
Living in a busy urban area often results in higher insurance rates compared to quieter rural areas. The type of coverage you select also affects your premium—comprehensive coverage, which includes both comprehensive and collision, is more expensive 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 VHD Model Year
| Model Year | Average Premium |
| 2025 Volvo VHD | $2,297 |
| 2024 Volvo VHD | $730 |
| 2010 Volvo VHD | $530 |
2025 Volvo VHD Insurance Rates
The average annual insurance cost for a 2025 Volvo V90 is $2,297. However, USAA offers the cheapest rates, averaging $1,500 per year.
| Insurance Provider | Average Annual Cost |
|---|---|
| Erie | $1,600 |
| Nationwide | $2,725 |
| USAA | $1,500 |
| Farmers | $3,700 |
| Progressive | $2,200 |
| Allstate | $3,040 |
| GEICO | $2,050 |
| State Farm | $2,400 |
| Travelers | $1,680 |
| American Family | $2,075 |
2024 Volvo VHD Insurance Rates
The average annual insurance cost for a 2024 Volvo V90 is $730. However, Geico offers the cheapest rates, averaging $680 per year.
| Insurance Provider | Average Annual Cost |
|---|---|
| Geico | $680 |
| State Farm | $710 |
| Progressive | $750 |
| Allstate | $790 |
| Nationwide | $720 |
2010 Volvo VHD Insurance Rates
The average annual insurance cost for a 2010 Volvo V90 is $530.
| Insurance Provider | Average Annual Cost |
| SafeAuto | $530 |
Find Affordable Volvo VHD Car Insurance
Are Volvo VHDs Expensive To Insure?
Insuring a Volvo VHD, a vocational heavy-duty truck, is generally more affordable compared to other commercial vehicles in its class. For instance, SafeAuto offers annual premiums around $594 for a 2010 model. However, insurance costs can vary based on factors such as the truck’s age, usage, and the driver’s experience. The VHD’s advanced safety features, like lane-keeping technology, may contribute to lower premiums by reducing accident risks. To obtain the most accurate rates, it’s advisable to compare quotes from multiple insurers, considering specific operational needs and coverage options.
Cost of Volvo VHD Car Insurance By Age
Age is an important factor in calculating car insurance rates. Teen drivers usually face the highest costs because they’re statistically more likely to be involved in accidents. As drivers age and gain experience, their insurance premiums generally go down due to a lower risk of claims.
| Drive Age | Good Driver | Recent Accident | Poor Credit |
| 17 | $8,389 | $12,315 | $14,400 |
| 18 | $7,864 | $11,474 | $13,452 |
| 19 | $6,939 | $10,165 | $11,892 |
| 20 | $6,036 | $8,860 | $10,354 |
| 21 | $5,080 | $7,434 | $8,683 |
| 22 | $4,925 | $7,250 | $8,475 |
| 23 | $4,280 | $6,312 | $7,404 |
| 24 | $4,093 | $5,984 | $7,023 |
| 25 | $3,508 | $5,182 | $6,049 |
| 30 | $2,703 | $4,072 | $4,739 |
| 35 | $2,601 | $3,787 | $4,438 |
| 40 | $2,465 | $3,634 | $4,267 |
| 45 | $2,395 | $3,526 | $4,164 |
| 55 | $2,214 | $3,244 | $3,799 |
| 65 | $2,290 | $3,380 | $3,945 |
| 75 | $2,911 | $4,263 | $5,003 |
Volvo VHD Car Insurance Rates By State
Your location has a major impact on how insurance companies determine your rates. Since auto insurance is regulated at the state level, costs can vary widely—states like Michigan often have higher premiums due to stricter coverage requirements. Local climate also plays a role; areas prone to extreme weather events like hurricanes or floods may see higher rates. Additionally, insurers look at regional data on crime, car theft, accidents, and fatality rates, all of which influence the final cost of insuring your Volvo VHD.
| 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 |
Cheapest Car Insurance Companies For A Volvo VHD
The five least‑expensive insurers for a Volvo VHD are GEICO, USAA, American Family, Erie, and Travelers. Among them, USAA offers the lowest monthly rate, while American Family is the highest‑priced option in this set.
| Insurance Company | Average Monthly Rate |
|---|---|
| GEICO | $160 |
| USAA | $120 |
| American Family | $185 |
| Erie | $132 |
| Travelers | $150 |
Common Volvo VHD Insurance Discounts
Discounts can be an effective way to reduce your car insurance expenses. While each insurer has its own set of offers, there are several common discounts you might qualify for:
- Multi-policy discount: You can often save by bundling your auto and home insurance with the same company.
- Annual payment: Paying your premium in full rather than in monthly installments can lead to savings.
- Defensive driving course: Completing a certified defensive driving course may make you eligible for lower rates.
Many other discounts may also be available. It’s a good idea to speak with your insurance agent to find out which ones you qualify for and how to apply them.
Compare Volvo VHD 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 VHD?
Yes, you must have proof of insurance before driving your Volvo VHD off the dealership lot. It’s usually best to purchase a policy ahead of time and notify your insurance provider about the upcoming vehicle purchase, rather than relying on the dealership to arrange coverage for you.
How Can You Get The Cheapest Insurance For Your Volvo VHD?
To get the most affordable insurance rates for your Volvo VHD, it’s smart to shop around and compare quotes from various insurance companies. Insuranceopedia makes this easy by letting you review offers from multiple providers all in one place on our website.
