Volvo S90 Insurance Rates
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: May 29, 2024
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Estimated insurance rates for a Volvo S90 are $1,468 a year for full coverage. Comprehensive insurance costs approximately $290 each year, collision insurance costs $564, and liability insurance costs $456. A policy with only liability insurance costs as little as $508 a year, and a high-risk policy costs $3,196 or more. Teens pay the most at up to $5,546 a year.
Average premium for full coverage: $1,468
Premium estimates by type of coverage:
Rate estimates include $500 physical damage deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all states and S90 models.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a Volvo S90 range from as low as $508 for liability-only coverage to a high rate of $3,196 for a high-risk insurance policy.
Insurance Price Range by Location
Your location has a significant impact on car insurance rates. Rural locations are statistically proven to have a lower frequency of accident claims than cities with more traffic congestion. The graphic below illustrates how location helps determine auto insurance prices.
These rate differences show why all drivers should compare rates using their specific location and risk profile, rather than relying on averaged prices.
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.
Additional Charts and Tables
The chart below shows average Volvo S90 insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $836
- Drivers who choose higher $1,000 deductibles will pay $194 a year
- The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,468
- Selecting low deductibles for comprehensive and collision insurance will cost an extra $378 a year
- High risk drivers with serious driving violations could pay around $3,196
- An auto insurance policy for full coverage for a teen driver can cost $5,546 a year
Car insurance prices for a Volvo S90 also have a wide range based on your driving characteristics, the trim level of your S90, and physical damage deductibles and liability limits.
More mature drivers with no driving violations and high deductibles could pay as little as $1,400 per year on average, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will be charged in the ballpark of $5,500 a year. View Rates by Age
Where you choose to live makes a big difference in Volvo S90 insurance rates. A 40-year-old driver could pay as low as $970 a year in states like Iowa, Maine, and Idaho, or have to pay at least $2,100 on average in New York, Louisiana, and Michigan.
| 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% |
Choosing higher comprehensive and collision insurance deductibles could save up to $580 each year, whereas increasing liability limits will push prices upward. Going from a 50/100 limit to a 250/500 limit will cost up to $411 extra every 12 months. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you could be paying anywhere from $1,800 to $2,400 extra annually, depending on your age. Insurance for high-risk drivers can cost anywhere from 43% to 137% more than the average policy. View High Risk Driver Rates
| 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 not only requires being a safe and courteous driver, but also having above-average credit, not filing small claims, and attention to physical damage deductibles. Invest time comparing rates at least every other year by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
Below is a brief recap of the car insurance concepts covered in the charts and tables above.
- High-risk drivers who tend to receive serious violations may pay on average $1,730 more per year for auto insurance
- Drivers can save around $180 per year just by quoting online in advance
- Increasing policy deductibles can save around $575 each year
- Drivers who purchase higher levels of liability will pay approximately $500 each year to go from 30/60 bodily injury limits to 250/500 limits
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,846 |
| $250 | $1,672 |
| $500 | $1,468 |
| $1,000 | $1,274 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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