Volvo V90 Car Insurance: How Much Should You Expect to Pay?

Looking at average rates, Volvo V90 drivers usually pay about $149 a month for auto insurance. Learn about how much car insurance companies might charge to insure your Volvo V90 with our comprehensive guide.

Quick Facts

  • A Volvo V90 costs less than most other SUVs to insure.
  • Full coverage auto insurance for a V90 averages around $161 per month, on average, while liability only insurance typically runs about $85 monthly.
  • The cheapest insurance company for a V90 is Liberty Mutual, who offers liability only coverage for as low as just $108 per month, on average.

V90 Overview

The Volvo V90 is on the more expensive end of the spectrum, with 2020 models starting at $53,450. With four different trim levels currently available, every driver can find an option to match their style.

We combed through thousands of car insurance quotes on Compare.com, and we've determined that, on average, Volvo V90 auto insurance premiums run around $149 a month. But how does that compare to other SUVs on the market?

Current Base Price$51,450
Body Style(s)SUV
Trim LevelsT5 INSCRIPTION, T6 INSCRIPTION, T5 R-DESIGN, T6 R-DESIGN
Average Insurance Premium$149/mo.
Cheapest Insurance CompanyLiberty Mutual

How Much is Car Insurance for a Volvo V90?

Vehicle Liability Only Full Coverage
Volvo V90$85$161
All Volvo Models$74$148
All SUVs$83$177
Average Insurance Premium$81$169

Looking at the table above, you'll find that compared to other vehicles, Volvo V90 insurance prices are right about average. V90 owners can expect to pay around $85 monthly for liability insurance, and about $161 per month for full coverage, which has comprehensive and collision coverages in addition to liability (discover more about the difference with our guide "State Minimum vs. Full Coverage").

When compared to other Volvo models, the V90 is slightly more expensive, with rates around 9% higher than the rest of the company's vehicle offerings. However, compared to other vehicles of a similar body style, V90 coverage runs close to average, with full coverage insurance premiums $16 cheaper than other SUVs and liability insurance prices coming in at $2 higher.

When compared to all vehicles, regardless of make, body style, or model, the V90 follows a similar pattern of having average insurance rates.

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Who has the Cheapest Car Insurance for a Volvo V90?

Insurance Company Average Monthly Premium
SafeAuto$32
Liberty Mutual$108
Mercury$184
TSC$335

If you're browsing for a car insurance policy for a Volvo V90, you probably want to know which carrier offers the cheapest prices. Although premiums can change dramatically depending on your driver profile, SafeAuto has the lowest average rates for liability only coverage, with rates as cheap as $32 monthly. The next most affordable company is Liberty Mutual, who offers insurance sometimes as cheap as $108 a month.

But just because these five carriers offer the lowest average rates doesn't necessarily mean they'll be the cheapest for you.

After all, your results might be different, since car insurance companies look at a variety of factors when calculating rates. By checking quotes from numerous auto insurance carriers at once, you can be sure you're finding the cheapest rate.

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What Factors Affect Car Insurance Rates for a Volvo V90?

As we mentioned above, there are a range of variables that car insurance companies use to determine how much they charge you for insurance -- and each carrier weighs certain pieces more than others, so there's not a singular company that's the most affordable for every driver.

The following sections show a wide array of things car insurance carriers use to calculate rates:

Vehicle Age

Vehicle Age Average Monthly Premium
Less than 1 Year$68
2-3 Years$90
4-5 YearsNot Enough Data
6-7 YearsNot Enough Data
8-10 YearsNot Enough Data
11-14 YearsNot Enough Data
15 Years or OlderNot Enough Data

The Volvo V90 has only been around for two or three model years, which means vehicle age won't affect your cost in the same way it might for other vehicles. Typically, it costs more to insure newer cars because they're worth more, but as they get older, insurance costs will gradually go down.

From the table above, you can see V90 prices are generally about between $68 and $90 per month.

Your Age

Age Average Monthly Premium

Age is another factor that makes a big difference in how much you pay for auto insurance. Because the Volvo V90 is pretty new to the market, we're just starting to collect data on how age is affecting insurance rates. So far, based on the table above, drivers under 24 have more expensive prices than those who have more experience. In this case, drivers who are 18 to 24 pay over three times as much as those 25 or older.

Auto insurance prices continue to decrease as you get older, with the cheapest age group for V90 drivers being 35-44.

Your Gender

Gender Average Monthly Premium
Male$83
Female$108

Did you know men tend to pay more for car insurance than women? This is because women are less likely to get into accidents and get tickets, which decreases the chances of an insurance claim. Surprisingly, when it comes to V90 drivers specifically, men pay around $25 less than women a month for insurance.

Where You Live

State Average Monthly Premium
California$51
New York$335
Pennsylvania$108

You might already know that factors like what vehicle you drive and how old you are play a role in your auto insurance rates, but you may not realize that where you live has just as much of an impact. Because car insurance is regulated on the state level rather than nationally, premiums can vary quite a bit depending on where you live.

Because the V90 is a relatively new vehicle, our data sets are somewhat limited. Even so, you can see in the table above that New York has rates that are significantly more expensive than anywhere else.

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Volvo V90 Car Insurance Discounts

No matter how old you are, what car you drive, or what state you live in, using as many discounts as possible when it comes to your insurance policy is always in your best interest.

Not every auto insurance carrier will offer the same discounts, but there are a few that are relatively universal. These include things like:

  • Vehicle safety discounts for having a vehicle with higher safety ratings or one with certain safety features (like air bags or anti-lock brakes)
  • Defensive driving discounts for drivers who take a defensive driving class from an accredited school or institution
  • Multi-policy discounts for getting both your home and auto policies from the same company
  • Pay-in-full discounts for choosing to pay your entire policy premium at once, rather than in monthly installments

However, discounts aren't the only way to save. Often, the best way to get great rates is to work on your overall insurance profile.

While you can't control every variable car insurance companies look at to calculate rates (like some of the ones mentioned above), there are quite a few that you do have control over. Below are just a few of the variables you can use to your favor in order to save money on insurance:

Your Driving Record

Infractions Average Monthly Premium
1 AccidentNot Enough Data
Multiple AccidentsNot Enough Data
1 TicketNot Enough Data
Multiple TicketsNot Enough Data

You've most likely seen ads from auto insurance carriers offering big savings for safe drivers. It makes sense that your car insurance prices will go up if you get into an accident or get speeding tickets. But you're probably wondering exactly how much these infractions will cost you.

Unfortunately, we don't have enough data on file for Volvo V90 drivers specifically, since it is a relatively new vehicle. However, as we see more and more of these on the road, we'll have a better idea of how much infractions will cost V90 drivers when it comes to insurance.

How Much You Drive

Annual Mileage Average Monthly Premium
7,501-10,000 Miles$83
10,000+ Miles$108

Another factor that impacts your auto insurance premiums is the total amount of miles you drive annually. Those who are on the roads less often are more likely to go accident-free, so they'll normally be offered lower rates. Since the Volvo V90 is a new vehicle, our data is relatively limited, so we don't yet know how much annual driving distance will affect prices. So far, the cheapest rates are offered to drivers who drive 7,500 - 10,000 miles each year.

If you work from home or drive less often than the average driver, it may be worth getting usage-based or pay-per-mile insurance. With these kinds of coverage, you pay a small monthly amount, and your final monthly bill is calculated based on the number of miles you drove.

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How Do Volvo V90s Compare to Other Vehicles?

If you're thinking about making a Volvo V90 your next vehicle, you're probably wondering how it compares to other vehicles. Car insurance is just one cost that's associated with buying a new car, but it's certainly one that's worth considering.

Visit the table below to see how the Volvo V90 compares:

Volvo V90 National Average
Liability Insurance$108$81
Full Coverage Insurance-$169
Base MSRP$53,450$46,547
Average Annual Mileage9,70011,617

Overall, the Volvo V90 has an MSRP that's in line with the going rate for a new vehicle. The V90's $46,547 base MSRP is right on trend with the national average of $53,450.

Liability insurance for a Volvo V90 is about $27 per month more than average, while full coverage is monthly.

When it comes to usage, Volvo V90 drivers are much lower than the national average in annual miles driven, with 9,700 miles per year compared to 11,617 for all vehicles.

Volvo V90 Car Insurance Costs by Model Year

Thus far, you've seen how different things affect a driver's auto insurance premiums. But if you're thinking about buying a new vehicle and the V90 is one you're considering, knowing what you can expect to pay for the specific vehicle you're looking at can be helpful as you consider your choices.

2020 Volvo V90 Car Insurance

   
Liability Only Avg. Premium$108
Base MSRP$51,450
Cheapest Insurance CompanyLiberty Mutual - $108/mo.
Available TrimsT5 INSCRIPTION, T5 R-DESIGN, T6 INSCRIPTION, T6 R-DESIGN

It costs around $108 a month for liability or undefined for a full coverage policy for the 2020 Volvo V90.

Looking for the cheapest policy? Liberty Mutual offered liability only coverage for as low as $108 per month.

Want something more accurate than nationwide averages? Just enter your ZIP code below to get a variety of customized quotes for free.

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2019 Volvo V90 Car Insurance

   
Liability Only Avg. Premium$27
Full Coverage Avg. Premium$116
Base MSRP$51,450
Cheapest Insurance CompanySafeAuto - $27/mo.
Available TrimsT5 INSCRIPTION, T5 MOMENTUM, T5 R-DESIGN, T6 INSCRIPTION, T6 OCEAN RACE, T6 R-DESIGN

2019 V90 drivers can expect to pay an average of $27 monthly for liability or $116 for full coverage.

With premiums sometimes as little as $27 a month, SafeAuto offered the most affordable policy we found for the 2019 Volvo V90.

If you're looking for a more exact figure on what you should pay for auto insurance for a 2019 Volvo V90, you can get free quotes in minutes by just entering your ZIP code below.

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2018 Volvo V90 Car Insurance

   
Liability Only Avg. Premium$335
Full Coverage Avg. Premium$308
Base MSRP$49,950
Cheapest Insurance CompanyTSC - $335/mo.
Available TrimsOCEAN RACE, T5 INSCRIPTION, T5 MOMENTUM, T5 R-DESIGN, T6 INSCRIPTION, T6 MOMENTUM, T6 R-DESIGN

On average, drivers who own a 2018 Volvo V90 can expect to pay $335 to $308 per month for liability only and full coverage insurance, respectively.

We found TSC offered the lowest policy, with rates as cheap as just $335 monthly.

While these are good estimates of what the average driver might pay to insure a 2018 Volvo V90, these prices might differ based on your driver profile. Get free personalized quotes in minutes by just entering your ZIP code below.

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2017 Volvo V90 Car Insurance

   
Liability Only Avg. Premium$55
Full Coverage Avg. Premium$150
Base MSRP$55,300
Cheapest Insurance CompanySafeAuto - $32/mo.
Available TrimsT6 INSCRIPTION

The average cost to insure a 2017 V90 with liability only coverage is $55 a month, while full coverage runs about $150 monthly.

With premiums as little as $32 a month, SafeAuto offered the cheapest policy we found.

What will your car insurance price be? Just enter your ZIP code below to get multiple personalized quotes for free.

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Volvo V90 Insurance FAQs

Is a Volvo V90 expensive to insure?

The Volvo V90 is less expensive to insure compared to the average SUV. Liability insurance runs an average of $85 per month, while full coverage will cost you around $161.

How can I get the best price on car insurance for my Volvo V90?

The only way to be confident you're getting the most affordable price on auto insurance is to regularly shop around and compare quotes from a whole bunch of companies. A good rule of thumb is to get quotes every 6 months or so. Luckily, sites like Compare.com let you compare rates from several carriers at once, meaning you can find the lowest rates (or guarantee you already have the best deal) in just a few minutes.

Does the color of my Volvo V90 affect my insurance prices?

You've probably heard that it is more expensive to insure red cars that silver or white vehicles, but that's just a myth. Even though there are several factors insurance companies examine when they offer you a premium, your vehicle's color isn't one of them.

Do I need to have insurance before I buy a Volvo V90?

Before you can legally drive your new (or new to you) car off the dealership lot, you'll need to have valid car insurance for it. As part of the buying process, some dealerships may offer you a car insurance policy, but the best thing to do when buying a a new SUV is to let your auto insurance carrier know beforehand.

What car insurance discounts can I get for my Volvo V90?

You will find tons of discounts out there when it comes to car insurance. Many of them (like "multi-policy discounts" and "safe driver discounts") are more based on you than the Volvo V90 you drive, but if your V90 has safety features like anti-theft systems, airbags, anti-lock brakes, and other features, it may qualify for certain discounts. The only way to find out is to reach out to your insurance company and ask about their discounts.

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