Volvo S90 Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
UPDATED: May 29, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
Estimated insurance prices for a Volvo S90 are $1,510 every 12 months for full coverage insurance. Comprehensive costs on average $302, collision insurance costs $598, and liability is $452. A liability-only policy costs around $504 a year, and high-risk insurance costs around $3,292. Teen drivers pay the most at up to $5,678 a year.
Average premium for full coverage: $1,510
Premium estimates by type of coverage:
Estimates include $500 deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 states and for different S90 trim levels.
Insurance Price Range by Risk and Coverage
For the normal driver, insurance rates for a Volvo S90 range from the cheapest price of $504 for basic liability insurance to a much higher rate of $3,292 for a driver required to buy high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city can make a big difference on insurance rates. Rural areas are statistically proven to have more infrequent physical damage claims than larger metro areas. The price range example below illustrates how geographic area affects car insurance rates.
These rate differences illustrate why anyone shopping for car insurance should compare rates quotes based on a specific location and their own driving history, instead of making a decision based on price averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Rate Comparisons
The chart below illustrates average Volvo S90 insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $858
- Raising to $1,000 deductibles will save around $204 each year
- The average price for a 40-year-old good driver with $500 deductibles is $1,510
- Choosing more expensive low deductibles increases the price to $1,910
- Drivers with multiple violations and an at-fault accident could pay upwards of $3,292
- An auto insurance policy to insure a 16-year-old driver with full coverage may cost $5,678
Auto insurance prices for a Volvo S90 also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the trim level of your S90.
Choosing high deductibles can reduce prices by up to $610 annually, while increasing your policy's liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $407 extra every year. View Rates by Deductible or Liability Limit
An older driver with a good driving record and higher deductibles may pay as low as $1,400 every 12 months on average, or $117 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will have to pay upwards of $5,600 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you are probably paying at a minimum $1,800 to $2,500 in extra premium annually, depending on your age. High-risk driver insurance is expensive and can cost from 44% to 133% more than average. View High Risk Driver Rates
Where you choose to live also has a big influence on Volvo S90 insurance prices. A middle-age driver might find prices as low as $990 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $2,040 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,366 | -$144 | -9.5% |
| Alaska | $1,158 | -$352 | -23.3% |
| Arizona | $1,252 | -$258 | -17.1% |
| Arkansas | $1,510 | -$0 | 0.0% |
| California | $1,720 | $210 | 13.9% |
| Colorado | $1,442 | -$68 | -4.5% |
| Connecticut | $1,554 | $44 | 2.9% |
| Delaware | $1,710 | $200 | 13.2% |
| Florida | $1,890 | $380 | 25.2% |
| Georgia | $1,394 | -$116 | -7.7% |
| Hawaii | $1,086 | -$424 | -28.1% |
| Idaho | $1,022 | -$488 | -32.3% |
| Illinois | $1,126 | -$384 | -25.4% |
| Indiana | $1,138 | -$372 | -24.6% |
| Iowa | $1,018 | -$492 | -32.6% |
| Kansas | $1,436 | -$74 | -4.9% |
| Kentucky | $2,060 | $550 | 36.4% |
| Louisiana | $2,236 | $726 | 48.1% |
| Maine | $932 | -$578 | -38.3% |
| Maryland | $1,246 | -$264 | -17.5% |
| Massachusetts | $1,208 | -$302 | -20.0% |
| Michigan | $2,626 | $1,116 | 73.9% |
| Minnesota | $1,266 | -$244 | -16.2% |
| Mississippi | $1,810 | $300 | 19.9% |
| Missouri | $1,340 | -$170 | -11.3% |
| Montana | $1,622 | $112 | 7.4% |
| Nebraska | $1,192 | -$318 | -21.1% |
| Nevada | $1,812 | $302 | 20.0% |
| New Hampshire | $1,090 | -$420 | -27.8% |
| New Jersey | $1,688 | $178 | 11.8% |
| New Mexico | $1,338 | -$172 | -11.4% |
| New York | $1,590 | $80 | 5.3% |
| North Carolina | $870 | -$640 | -42.4% |
| North Dakota | $1,238 | -$272 | -18.0% |
| Ohio | $1,044 | -$466 | -30.9% |
| Oklahoma | $1,550 | $40 | 2.6% |
| Oregon | $1,384 | -$126 | -8.3% |
| Pennsylvania | $1,440 | -$70 | -4.6% |
| Rhode Island | $2,016 | $506 | 33.5% |
| South Carolina | $1,368 | -$142 | -9.4% |
| South Dakota | $1,276 | -$234 | -15.5% |
| Tennessee | $1,322 | -$188 | -12.5% |
| Texas | $1,822 | $312 | 20.7% |
| Utah | $1,118 | -$392 | -26.0% |
| Vermont | $1,034 | -$476 | -31.5% |
| Virginia | $904 | -$606 | -40.1% |
| Washington | $1,168 | -$342 | -22.6% |
| West Virginia | $1,384 | -$126 | -8.3% |
| Wisconsin | $1,046 | -$464 | -30.7% |
| Wyoming | $1,348 | -$162 | -10.7% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Volvo S90 | $390 | $750 | $372 | $1,670 |
| 2023 Volvo S90 | $372 | $720 | $390 | $1,640 |
| 2022 Volvo S90 | $356 | $714 | $398 | $1,626 |
| 2021 Volvo S90 | $344 | $698 | $416 | $1,616 |
| 2020 Volvo S90 | $332 | $668 | $430 | $1,588 |
| 2019 Volvo S90 | $314 | $646 | $442 | $1,560 |
| 2018 Volvo S90 | $302 | $598 | $452 | $1,510 |
| 2017 Volvo S90 | $290 | $564 | $456 | $1,468 |
Rates are averaged for all Volvo S90 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Shop for Low Cost Volvo S90 Insurance
Finding better rates on insurance for a Volvo S90 consists of not taking risks behind the wheel, having a good credit score, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Invest the time to compare rates at every policy renewal by getting quotes from direct insurance companies, and also from several local insurance agents.
The following is a review of the data presented in the illustrations above.
- Insureds who require higher liability limits will pay about $500 annually to raise from 30/60 bodily injury limits to a 250/500 level
- It is possible to save as much as $180 per year just by shopping early and online
- Increasing policy deductibles could save as much as $600 each year
- Teens are charged the highest prices, with premiums being up to $473 per month if comprehensive and collision insurance is included
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,678 |
| 20 | $3,512 |
| 30 | $1,574 |
| 40 | $1,510 |
| 50 | $1,382 |
| 60 | $1,356 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,910 |
| $250 | $1,724 |
| $500 | $1,510 |
| $1,000 | $1,306 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,510 |
| 50/100 | $1,600 |
| 100/300 | $1,713 |
| 250/500 | $2,007 |
| 100 CSL | $1,646 |
| 300 CSL | $1,894 |
| 500 CSL | $2,075 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,118 |
| 20 | $5,602 |
| 30 | $3,362 |
| 40 | $3,292 |
| 50 | $3,144 |
| 60 | $3,118 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $81 |
| Multi-vehicle | $81 |
| Homeowner | $23 |
| 5-yr Accident Free | $114 |
| 5-yr Claim Free | $99 |
| Paid in Full/EFT | $70 |
| Advance Quote | $76 |
| Online Quote | $108 |
| Total Discounts | $652 |
Discounts are estimated and may not be available from every company or in every state.
Compare Rates and Save
Find companies with the cheapest rates in your area
Secured with SHA-256 Encryption
