Volvo S90 Insurance Rates

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UPDATED: May 29, 2024

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U.S. average auto insurance rates for a Volvo S90 are $1,468 annually for full coverage insurance. Comprehensive insurance costs on average $290 each year, collision costs $564, and liability coverage is $456. Liability-only insurance costs around $508 a year, with high-risk driver insurance costing $3,196 or more. Teenage drivers pay the highest rates at $5,546 a year or more.

Average premium for full coverage: $1,468

Price estimates by individual coverage:

Comprehensive $290
Collision $564
Liability $456

Full coverage includes $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 states and S90 models.

Price Range from Low to High

For the average 40-year-old driver, Volvo S90 insurance prices go from as cheap as $508 for just the minimum liability insurance to a high rate of $3,196 for a driver who has had serious violations or accidents.

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

Geographic Price Range

Choosing to live in a large city has a large influence on insurance rates. Rural areas have fewer physical damage claims than densely populated cities.

The graphic below illustrates the difference location can make on car insurance rates.

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

The ranges above illustrate why all drivers should compare rates quotes based on a specific location and their own personal driving habits, rather than using 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.

Additional Rate Analysis

The chart below illustrates estimated Volvo S90 insurance rates for different risk profiles and scenarios.

  • The best discount rate is $836
  • Raising to $1,000 deductibles will save around $194 each year
  • The estimated rate for the average middle-age driver with $500 deductibles is $1,468
  • Using low deductibles costs an additional $378 each year
  • Unlucky drivers who are prone to accidents and violations could pay upwards of $3,196 or more
  • The price with full coverage for a teenage driver may cost $5,546

View Chart as Image

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

Car insurance prices for a Volvo S90 are also quite variable based on the trim level and model year, your risk profile, and policy deductibles and limits.

More mature drivers with no driving violations and high physical damage deductibles may only pay around $1,400 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will be charged upwards of $5,500 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are probably paying at a minimum $1,800 to $2,400 extra each year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 43% to 137% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce prices by up to $580 a year, whereas increasing liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $411 extra every 12 months. View Rates by Deductible or Liability Limit

The state you live in also has a big influence on Volvo S90 insurance rates. A middle-age driver might find prices as low as $960 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,980 on average in Michigan, New York, and Florida.

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

Since prices can be so different, the only way to figure out exactly what you will pay is to do a rate comparison and see how they stack up. Every auto insurance company uses a different method to calculate prices, so rate quotes may be quite different between companies.

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 Buy More Affordable Volvo S90 Insurance

Getting lower rates on auto insurance consists of avoiding accidents and violations, having a good credit score, not filing small claims, and maximizing policy discounts. Make time to compare rates every other policy renewal by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The list below is a summary of the ideas that were touched on in this article.

  • Teenagers are expensive to insure, as much as $462 a month if comprehensive and collision insurance is included
  • Drivers who have multiple accidents or major violations may pay on average $1,730 more each year for car insurance
  • Increasing physical damage deductibles could save up to $575 each year
  • It is possible to save as much as $180 per year simply by quoting online in advance

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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