Volvo S90 Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: May 29, 2024
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U.S. average insurance prices for a Volvo S90 are $1,402 every 12 months for full coverage insurance. Comprehensive costs an estimated $278 a year, collision costs $506, and liability insurance is estimated at $460. A policy with just liability insurance costs approximately $510 a year, with coverage for high-risk drivers costing around $3,044. Teenage drivers pay the highest rates at $5,322 a year or more.
Average premium for full coverage: $1,402
Price estimates broken down by individual coverage:
Estimates include $500 deductibles, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 states and S90 trim levels.
Price Range from Low to High
Using a 40-year-old driver as an example, Volvo S90 insurance prices go from the cheapest price of $510 for your basic liability-only policy to a high of $3,044 for a policy for a high-risk driver.
Geographic Price Range
Living in a larger city has a significant impact on the price of insurance. More rural locations have more infrequent physical damage claims than densely populated cities.
The diagram below illustrates how rural and urban location affects insurance prices.
The ranges above illustrate why it is important to get quotes for a targeted area and their own driving history, 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.
More Rate Information
The chart below illustrates estimated Volvo S90 insurance rates for other coverage scenarios.
- The best discount rate is $805
- Choosing higher $1,000 deductibles can save approximately $1,224 each year
- The average price for the average middle-age driver who has $500 deductibles is $1,402
- Using low $100 deductibles for comp and collision coverage increases the price to $1,748
- High-risk insureds who are prone to accidents and violations could pay up to $3,044 or more
- The price to insure a teen driver can cost as much as $5,322 each year
Insurance prices for a Volvo S90 are also quite variable based on deductibles and policy limits, your risk profile, and the model year and trim level.
Using high physical damage deductibles can save as much as $530 each year, while buying higher liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $414 more per year. View Rates by Deductible or Liability Limit
Older drivers with a clean driving record and higher deductibles could pay as little as $1,300 annually on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers can expect to pay at least $5,300 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are probably paying $1,700 to $2,300 extra each year, depending on your age. A high-risk auto insurance policy ranges anywhere from 43% to 135% more than a normal policy. View High Risk Driver Rates
The state you live in plays a big part in determining prices for Volvo S90 insurance rates. A good driver about age 40 could pay as low as $920 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,890 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,268 | -$134 | -9.6% |
| Alaska | $1,076 | -$326 | -23.3% |
| Arizona | $1,164 | -$238 | -17.0% |
| Arkansas | $1,402 | -$0 | 0.0% |
| California | $1,598 | $196 | 14.0% |
| Colorado | $1,340 | -$62 | -4.4% |
| Connecticut | $1,442 | $40 | 2.9% |
| Delaware | $1,586 | $184 | 13.1% |
| Florida | $1,754 | $352 | 25.1% |
| Georgia | $1,294 | -$108 | -7.7% |
| Hawaii | $1,008 | -$394 | -28.1% |
| Idaho | $948 | -$454 | -32.4% |
| Illinois | $1,044 | -$358 | -25.5% |
| Indiana | $1,056 | -$346 | -24.7% |
| Iowa | $946 | -$456 | -32.5% |
| Kansas | $1,332 | -$70 | -5.0% |
| Kentucky | $1,914 | $512 | 36.5% |
| Louisiana | $2,074 | $672 | 47.9% |
| Maine | $866 | -$536 | -38.2% |
| Maryland | $1,158 | -$244 | -17.4% |
| Massachusetts | $1,122 | -$280 | -20.0% |
| Michigan | $2,436 | $1,034 | 73.8% |
| Minnesota | $1,174 | -$228 | -16.3% |
| Mississippi | $1,680 | $278 | 19.8% |
| Missouri | $1,242 | -$160 | -11.4% |
| Montana | $1,506 | $104 | 7.4% |
| Nebraska | $1,106 | -$296 | -21.1% |
| Nevada | $1,682 | $280 | 20.0% |
| New Hampshire | $1,010 | -$392 | -28.0% |
| New Jersey | $1,566 | $164 | 11.7% |
| New Mexico | $1,242 | -$160 | -11.4% |
| New York | $1,476 | $74 | 5.3% |
| North Carolina | $808 | -$594 | -42.4% |
| North Dakota | $1,148 | -$254 | -18.1% |
| Ohio | $968 | -$434 | -31.0% |
| Oklahoma | $1,440 | $38 | 2.7% |
| Oregon | $1,284 | -$118 | -8.4% |
| Pennsylvania | $1,338 | -$64 | -4.6% |
| Rhode Island | $1,870 | $468 | 33.4% |
| South Carolina | $1,270 | -$132 | -9.4% |
| South Dakota | $1,182 | -$220 | -15.7% |
| Tennessee | $1,228 | -$174 | -12.4% |
| Texas | $1,692 | $290 | 20.7% |
| Utah | $1,038 | -$364 | -26.0% |
| Vermont | $960 | -$442 | -31.5% |
| Virginia | $840 | -$562 | -40.1% |
| Washington | $1,084 | -$318 | -22.7% |
| West Virginia | $1,286 | -$116 | -8.3% |
| Wisconsin | $970 | -$432 | -30.8% |
| Wyoming | $1,250 | -$152 | -10.8% |
Since prices can be so different, the only way to figure out which car insurance is cheapest is to get quotes from as many companies as possible. Each auto insurer uses a different method to calculate prices, so the prices may be quite different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Volvo S90 | $356 | $714 | $398 | $1,626 |
| 2023 Volvo S90 | $344 | $698 | $416 | $1,616 |
| 2022 Volvo S90 | $332 | $668 | $430 | $1,588 |
| 2021 Volvo S90 | $314 | $646 | $442 | $1,560 |
| 2020 Volvo S90 | $302 | $598 | $452 | $1,510 |
| 2019 Volvo S90 | $290 | $564 | $456 | $1,468 |
| 2018 Volvo S90 | $278 | $506 | $460 | $1,402 |
| 2017 Volvo S90 | $260 | $466 | $460 | $1,344 |
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
Getting lower rates on Volvo S90 insurance takes not taking risks behind the wheel, having good credit, not filing small claims, and taking advantage of discounts. Set aside time to shop around every year by quoting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
The following is a review of the coverage data raised in the charts and tables above.
- It is possible to save approximately $170 per year simply by quoting early and online
- Increasing physical damage deductibles could save as much as $525 each year
- Teens are charged the highest prices, as much as $444 a month if they have full coverage
- High-risk drivers who have several accidents or serious violations could be forced to pay on average $1,640 more annually for S90 insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,322 |
| 20 | $3,242 |
| 30 | $1,456 |
| 40 | $1,402 |
| 50 | $1,282 |
| 60 | $1,258 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,748 |
| $250 | $1,588 |
| $500 | $1,402 |
| $1,000 | $1,224 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,402 |
| 50/100 | $1,494 |
| 100/300 | $1,609 |
| 250/500 | $1,908 |
| 100 CSL | $1,540 |
| 300 CSL | $1,793 |
| 500 CSL | $1,977 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,584 |
| 20 | $5,170 |
| 30 | $3,104 |
| 40 | $3,044 |
| 50 | $2,908 |
| 60 | $2,884 |
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 | $75 |
| Multi-vehicle | $75 |
| Homeowner | $22 |
| 5-yr Accident Free | $102 |
| 5-yr Claim Free | $91 |
| Paid in Full/EFT | $63 |
| Advance Quote | $69 |
| Online Quote | $100 |
| Total Discounts | $597 |
Discounts are estimated and may not be available from every company or in every state.
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