Volvo S90 Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

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

Advertiser Disclosure

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 rates for a Volvo S90 are $1,468 a year for full coverage. Comprehensive costs an estimated $290, collision costs $564, and liability insurance is estimated at $456. Liability-only coverage costs approximately $508 a year, with high-risk coverage costing around $3,196. Teens pay the most at $5,546 a year or more.

Average premium for full coverage: $1,468

Premium estimates broken down by type of coverage:

Comprehensive $290
Collision $564
Liability $456

Full coverage includes $500 physical damage insurance deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all states and for all S90 models.

Insurance Price Range by Risk and Coverage

For a driver in their 40's, insurance rates for a Volvo S90 go from as low as $508 for minimum levels of liability insurance to the much higher price of $3,196 for 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 insurance rates. More rural locations are statistically proven to have a lower frequency of accident claims than cities with more traffic congestion.

The example below illustrates how location helps determine insurance prices.

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

These rate differences show why everyone should get quotes for a targeted area 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 Rate Details

The chart below shows estimated Volvo S90 insurance rates for other coverage scenarios.

  • The cheapest rate after discounts is $836
  • Choosing higher $1,000 deductibles can save approximately $194 a year
  • The average rate for a 40-year-old good driver who has $500 deductibles is $1,468
  • Selecting pricier low deductibles for comp and collision coverage will increase the cost to $1,846
  • High-risk insureds with serious driving violations could pay up to $3,196 or more
  • An auto insurance policy for full coverage for a teen driver for full coverage can cost as much as $5,546 each year

View Chart as Image

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

Insurance prices for a Volvo S90 also have a wide range based on your driving characteristics, the trim level of your S90, and liability limits and deductibles.

A more mature driver with a clean 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 can expect to pay at least $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 $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.

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

Choosing higher comprehensive and collision insurance deductibles can save as much as $580 each year, whereas buying more liability protection will increase premiums. Going from a 50/100 limit to a 250/500 limit will cost up to $411 more per year. View Rates by Deductible or Liability Limit

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

With such a large range in prices, the only way to know which insurance company is cheapest is to regularly compare prices from as many companies as possible. Each auto insurer calculates prices differently, so the prices will be substantially different from one company to the next.

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 More Affordable Volvo S90 Insurance

Finding better rates on Volvo S90 insurance takes being a low-risk driver, maintaining good credit, not filing small claims, and taking advantage of discounts. Invest time comparing rates every couple of years by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The items below are a summary of the material that was covered in the charts and tables above.

  • Drivers who want more liability coverage will pay approximately $500 each year to raise limits from 30/60 bodily injury limits to 250/500 limits
  • Teen drivers are charged the highest prices, as much as $462 per month for full coverage
  • High-risk drivers who have multiple accidents or major violations pay an average of $1,730 more annually to insure their S90
  • Increasing policy deductibles can save around $575 each year

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.

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles