Volvo S90 Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 29, 2024

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Estimated insurance rates for a Volvo S90 are $1,468 a year including full coverage. Comprehensive insurance costs around $290, collision insurance costs $564, and liability insurance is estimated at $456. A liability-only policy costs approximately $508 a year, and high-risk insurance costs $3,196 or more. Teenage drivers pay the most at up to $5,546 a year.

Average premium for full coverage: $1,468

Premium estimates for type of coverage:

Comprehensive $290
Collision $564
Liability $456

Rate estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and for all S90 models.

Insurance Price Range by Risk and Coverage

For the normal driver, insurance rates for a Volvo S90 range from as low as $508 for basic liability insurance to the much higher price of $3,196 for a driver required to buy high-risk insurance.

Liability Only $508
Full Coverage $1,468
High Risk $3,196

Insurance Price Range by Location

Living in a larger city has a significant impact on the price of insurance. Areas with sparse population are statistically proven to have a lower frequency of comprehensive and collision claims than densely populated cities. The example below illustrates how geographic area affects auto insurance rates.

Rural Areas $1,101
Small Cities $1,541
Large Cities $1,982

These rate differences highlight why everyone should get quotes for a specific zip code and risk profile, rather than relying on average rates.

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 breaks down average Volvo S90 insurance rates for additional coverage choices and driver risks.

  • The best discount rate is $836
  • Choosing higher $1,000 deductibles can save about $194 every year
  • The average rate for a 40-year-old good driver using $500 deductibles is $1,468
  • Using pricier low deductibles for comp and collision coverage will cost an extra $378 a year
  • High-risk insureds who are prone to accidents and violations could pay at least $3,196
  • An auto insurance policy for full coverage for a teen driver for full coverage can be $5,546 each year

View Chart as Image

Volvo S90 insurance cost comparison chart
Column chart showing Volvo S90 insurance prices range from $836 to $5,546 for full coverage

Auto insurance prices for a Volvo S90 also have a wide range based on your driving characteristics, the model of your S90, and deductibles and policy limits.

A more mature driver with a good driving record and high deductibles could pay as little as $1,400 annually on average, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will have to pay as much as $5,500 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Volvo S90 insurance rates. A good driver about age 40 could pay as low as $1,130 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $2,100 on average in Michigan, New York, and Louisiana.

Volvo S90 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,328 -$140 -9.5%
Alaska $1,126 -$342 -23.3%
Arizona $1,218 -$250 -17.0%
Arkansas $1,468 -$0 0.0%
California $1,672 $204 13.9%
Colorado $1,404 -$64 -4.4%
Connecticut $1,510 $42 2.9%
Delaware $1,662 $194 13.2%
Florida $1,836 $368 25.1%
Georgia $1,354 -$114 -7.8%
Hawaii $1,054 -$414 -28.2%
Idaho $992 -$476 -32.4%
Illinois $1,094 -$374 -25.5%
Indiana $1,106 -$362 -24.7%
Iowa $990 -$478 -32.6%
Kansas $1,396 -$72 -4.9%
Kentucky $2,004 $536 36.5%
Louisiana $2,172 $704 48.0%
Maine $908 -$560 -38.1%
Maryland $1,212 -$256 -17.4%
Massachusetts $1,174 -$294 -20.0%
Michigan $2,552 $1,084 73.8%
Minnesota $1,228 -$240 -16.3%
Mississippi $1,760 $292 19.9%
Missouri $1,302 -$166 -11.3%
Montana $1,578 $110 7.5%
Nebraska $1,156 -$312 -21.3%
Nevada $1,760 $292 19.9%
New Hampshire $1,058 -$410 -27.9%
New Jersey $1,640 $172 11.7%
New Mexico $1,302 -$166 -11.3%
New York $1,548 $80 5.4%
North Carolina $846 -$622 -42.4%
North Dakota $1,202 -$266 -18.1%
Ohio $1,014 -$454 -30.9%
Oklahoma $1,508 $40 2.7%
Oregon $1,344 -$124 -8.4%
Pennsylvania $1,400 -$68 -4.6%
Rhode Island $1,960 $492 33.5%
South Carolina $1,328 -$140 -9.5%
South Dakota $1,238 -$230 -15.7%
Tennessee $1,286 -$182 -12.4%
Texas $1,770 $302 20.6%
Utah $1,088 -$380 -25.9%
Vermont $1,006 -$462 -31.5%
Virginia $880 -$588 -40.1%
Washington $1,136 -$332 -22.6%
West Virginia $1,344 -$124 -8.4%
Wisconsin $1,016 -$452 -30.8%
Wyoming $1,308 -$160 -10.9%

View Chart as Image

Volvo S90 insurance rates by U.S. city

Using high physical damage deductibles can save as much as $580 each year, whereas buying more liability protection will increase prices. Changing from a 50/100 limit to a 250/500 limit will cost up to $411 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are likely paying at least $1,800 to $2,400 in extra premium annually, depending on your age. Volvo S90 insurance for high-risk drivers ranges anywhere from 43% to 137% more than a normal policy. View High Risk Driver Rates

Volvo S90 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Volvo S90 $372 $720 $390 $1,640
2023 Volvo S90 $356 $714 $398 $1,626
2022 Volvo S90 $344 $698 $416 $1,616
2021 Volvo S90 $332 $668 $430 $1,588
2020 Volvo S90 $314 $646 $442 $1,560
2019 Volvo S90 $302 $598 $452 $1,510
2018 Volvo S90 $290 $564 $456 $1,468
2017 Volvo S90 $278 $506 $460 $1,402

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 Find the Best Volvo S90 Insurance

Finding better rates on Volvo S90 insurance takes avoiding accidents and violations, having good credit, refrain from filing small claims, and possibly raising deductibles. Invest the time to compare rates at every policy renewal by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The list below is a brief recap of the data presented in the illustrations above.

  • Drivers who may need higher liability limits will pay an extra $500 per year to raise limits from 30/60 bodily injury limits to 250/500 limits
  • You may be able to save up to $180 per year just by quoting online well ahead of the renewal date
  • Increasing policy deductibles can save around $575 each year
  • Teenagers are expensive to insure, with the cost nearing $462 per month if they have full coverage

Rates by Driver Age

Volvo S90 Insurance Rates by Driver Age
Driver Age Premium
16 $5,546
20 $3,410
30 $1,526
40 $1,468
50 $1,340
60 $1,316

Full coverage, $500 deductibles

Rates by Deductible

Volvo S90 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,846
$250 $1,672
$500 $1,468
$1,000 $1,274

Full coverage, driver age 40

Rates by Liability Limit

Volvo S90 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,468
50/100 $1,559
100/300 $1,673
250/500 $1,970
100 CSL $1,605
300 CSL $1,856
500 CSL $2,038

Full coverage, driver age 40

Rates for High Risk Drivers

Volvo S90 Insurance Rates for High Risk Drivers
Age Premium
16 $7,918
20 $5,438
30 $3,262
40 $3,196
50 $3,052
60 $3,026

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.

SR-22 Surcharge $209

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $79
Multi-vehicle $79
Homeowner $22
5-yr Accident Free $109
5-yr Claim Free $96
Paid in Full/EFT $68
Advance Quote $74
Online Quote $105
Total Discounts $632
Rate after discounts $836

Discounts are estimated and may not be available from every company or in every state.

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