Volvo V90 Insurance Cost
Full coverage for a Volvo V90 costs about $1,475 a year ($123/month) by our estimate — ▼ −7% versus the average vehicle, ranking 79th cheapest of 310 current models.
Volvo V90 insurance cost at a glance
These figures assume a driver in their 30s with a clean record, 7,500–12,000 miles a year, $500 deductibles and national-average base rates, for the 2026 model year. Our vehicle data covers the 2017–2026 model years of the Volvo V90.
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $595 | $50 | $490–$705 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $865 | $72 | $710–$1,020 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,475 | $123 | $1,210–$1,740 |
What drives the cost of insuring a Volvo V90
The strongest predictor of what insurers charge for a specific model is its claims history. HLDI publishes relative insurance losses for recent models (2022-2024), where 100 is the average of all passenger vehicles. The Volvo V90's results put our vehicle factor at 0.97× for liability, 0.91× for collision and 0.90× for comprehensive.
| Coverage | Index | Rating | What it measures |
|---|---|---|---|
| Collision | 90 | Better than average | Damage to this car in crashes; driven by repair costs and crash frequency |
- Repair and parts costs: Wagon from a luxury brand — premium parts, sensors and labor rates raise collision claims.
- Recalls & complaints: 3 NHTSA recall campaigns and 2 owner complaints across its latest three model years. Recalls don't change premiums directly, but open recalls should be fixed.
Volvo V90 trims and configurations (2026)
Higher trims with bigger engines, all-wheel drive or more technology usually cost more to repair or replace, which raises collision and comprehensive premiums.
| Configuration | Drive | Engine | MPG (comb.) |
|---|---|---|---|
| V90CC B6 AWD | AWD | 2.0L 4-cyl Turbo Supercharged Hybrid | 25 |
Volvo V90 insurance cost by model year
Older model years cost less to insure for full coverage because the car is worth less, so collision and comprehensive payouts are smaller. Liability costs stay about the same.
| Model year | Engines | Drive | MPG | Est. full / yr |
|---|---|---|---|---|
| 2026 | 2.0L 4-cyl Turbo Supercharged Hybrid | AWD | 25 | $1,475 |
| 2025 | 2.0L 4-cyl Turbo Supercharged Hybrid | AWD | 25 | $1,445 |
| 2024 | 2.0L 4-cyl Turbo Supercharged Hybrid | AWD | 25 | $1,415 |
| 2023 | 2.0L 4-cyl Turbo Supercharged Hybrid | AWD | 25 | $1,385 |
| 2022 | 2.0L 4-cyl Turbo Supercharged | AWD | 25 | $1,360 |
| 2021 | 2.0L 4-cyl Turbo, 2.0L 4-cyl Turbo Supercharged | AWD, FWD | 24–26 | $1,330 |
| 2020 | 2.0L 4-cyl Turbo, 2.0L 4-cyl Turbo Supercharged | AWD, FWD | 24–26 | $1,300 |
| 2019 | 2.0L 4-cyl Turbo, 2.0L 4-cyl Turbo Supercharged | AWD, FWD | 24–27 | $1,270 |
| 2018 | 2.0L 4-cyl Turbo, 2.0L 4-cyl Turbo Supercharged | AWD, FWD | 25–27 | $1,245 |
| 2017 | 2.0L 4-cyl | AWD | 25 | $1,215 |
Volvo V90 insurance cost by state
The same car can cost very different amounts to insure depending on where it is garaged. Select a state for its rules and city-level costs.
| State | Full coverage | Minimum | vs. national |
|---|---|---|---|
| Alabama | $1,275 | $465 | −14% |
| Alaska | $1,285 | $605 | −13% |
| Arizona | $1,545 | $640 | +5% |
| Arkansas | $1,290 | $435 | −13% |
| California | $1,435 | $555 | −3% |
| Colorado | $1,675 | $630 | +14% |
| Connecticut | $1,570 | $690 | +6% |
| Delaware | $1,655 | $780 | +12% |
| District of Columbia | $1,850 | $720 | +25% |
| Florida | $2,125 | $1,045 | +44% |
| Georgia | $1,835 | $845 | +24% |
| Hawaii | $1,010 | $420 | −32% |
| Idaho | $1,000 | $390 | −32% |
| Illinois | $1,275 | $485 | −14% |
| Indiana | $1,045 | $390 | −29% |
| Iowa | $995 | $300 | −33% |
| Kansas | $1,170 | $390 | −21% |
| Kentucky | $1,240 | $510 | −16% |
| Louisiana | $2,040 | $770 | +38% |
| Maine | $935 | $410 | −37% |
| Maryland | $1,655 | $730 | +12% |
| Massachusetts | $1,445 | $575 | −2% |
| Michigan | $1,600 | $745 | +8% |
| Minnesota | $1,225 | $455 | −17% |
| Mississippi | $1,405 | $515 | −5% |
| Missouri | $1,335 | $495 | −9% |
| Montana | $1,170 | $380 | −21% |
| Nebraska | $1,175 | $390 | −20% |
| Nevada | $1,705 | $840 | +16% |
| New Hampshire | $1,045 | $390 | −29% |
| New Jersey | $1,785 | $910 | +21% |
| New Mexico | $1,320 | $505 | −11% |
| New York | $1,985 | $900 | +35% |
| North Carolina | $1,090 | $435 | −26% |
| North Dakota | $935 | $270 | −37% |
| Ohio | $1,050 | $390 | −29% |
| Oklahoma | $1,320 | $455 | −11% |
| Oregon | $1,330 | $605 | −10% |
| Pennsylvania | $1,280 | $415 | −13% |
| Rhode Island | $1,785 | $795 | +21% |
| South Carolina | $1,585 | $710 | +7% |
| South Dakota | $1,120 | $305 | −24% |
| Tennessee | $1,215 | $440 | −18% |
| Texas | $1,740 | $670 | +18% |
| Utah | $1,345 | $635 | −9% |
| Vermont | $950 | $310 | −36% |
| Virginia | $1,265 | $610 | −14% |
| Washington | $1,290 | $570 | −13% |
| West Virginia | $1,225 | $425 | −17% |
| Wisconsin | $1,005 | $360 | −32% |
| Wyoming | $1,140 | $315 | −23% |
Volvo V90 insurance by driver profile
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $1,640 | $2,375 | $4,050 | $338 |
| Young adult (22) | $955 | $1,380 | $2,355 | $196 |
| Adult in their 30s | $595 | $865 | $1,475 | $123 |
| Adult in their 50s | $550 | $795 | $1,355 | $113 |
| Senior (72) | $665 | $965 | $1,650 | $138 |
| 30s, one at-fault accident | $865 | $1,250 | $2,135 | $178 |
| 30s, DUI on record | $1,100 | $1,595 | $2,725 | $227 |
Volvo V90 vs. rivals
| Model | Full coverage / yr | HLDI collision | HLDI comprehensive | Comparison |
|---|---|---|---|---|
| Volvo V90 | $1,475 | 90 | — | — |
| Subaru Outback | $1,190 | 63 | 84 | — |
| Volvo V60 | $1,255 | 74 | — | — |
| Audi RS 6 Avant | $2,040 | 195 | 180 | — |
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Frequently asked questions
How much is insurance for a Volvo V90?
We estimate about $1,475 a year ($123 a month) for full coverage and $595 for state-minimum liability, for a driver in their 30s with a clean record at national-average rates. That is 7% less than the average vehicle.
Is the Volvo V90 expensive to insure?
HLDI insurance-loss data rates it at 90 for collision and 0 for comprehensive losses (100 = average of all vehicles), meaning collision losses are better than average.
Which state is cheapest to insure a Volvo V90?
Maine has the lowest estimate (about $935 a year for full coverage) and Florida the highest (about $2,125).
Is the Volvo V90 cheaper to insure than the Subaru Outback?
By our estimate the Volvo V90 costs about $1,475 a year versus $1,190 for the Subaru Outback, making the Subaru Outback cheaper to insure.
How much is Volvo V90 insurance for a teen driver?
An 18-year-old on their own full-coverage policy would pay about $4,050 a year at national-average rates by our estimate.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.