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 $1,402 annually including full coverage. Comprehensive costs on average $278, collision insurance costs $506, and liability is estimated at $460. Liability-only insurance costs approximately $510 a year, and high-risk driver insurance costs around $3,044. Teen drivers pay the highest rates at up to $5,322 a year.

Average premium for full coverage: $1,402

Price estimates by individual coverage:

Comprehensive $278
Collision $506
Liability $460

Estimates include $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 U.S. states and for different S90 trim levels.

Price Range from Low to High

For a driver in their 40's, Volvo S90 insurance prices range from as cheap as $510 for your basic liability-only policy to a much higher rate of $3,044 for a driver who requires high-risk insurance.

Liability Only $510
Full Coverage $1,402
High Risk $3,044

Geographic Price Range

Living in a larger city can make a big difference on car insurance rates. Rural areas have fewer comprehensive and collision claims than larger metro areas. The price range example below illustrates how location helps determine car insurance rates.

Rural Areas $1,052
Small Cities $1,472
Large Cities $1,893

The ranges above highlight why anyone shopping for car insurance should get quotes based on a specific location and their own personal driving habits, instead of making a decision based on price averages.

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 breaks down average Volvo S90 insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $805
  • Choosing higher $1,000 deductibles can save around $178 every year
  • The estimated rate for the average middle-age driver with $500 deductibles is $1,402
  • Choosing more expensive low deductibles for comp and collision coverage will cost $1,748
  • Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $3,044
  • The price with full coverage for a 16-year-old driver with full coverage may cost $5,322 each year

View Chart as Image

Volvo S90 insurance cost comparison chart
Column chart showing Volvo S90 insurance rates range from $805 to $5,322 for full coverage

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

An older driver with no driving violations and high physical damage deductibles may pay as low as $1,300 annually on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will be charged upwards of $5,300 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying at a minimum $1,700 to $2,300 extra each year, depending on your age. High-risk driver insurance ranges from 43% to 135% more than average. View High Risk Driver Rates

Choosing high deductibles can save as much as $530 annually, while increasing your policy's liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $414 extra every 12 months. View Rates by Deductible or Liability Limit

The state you live in plays a big part in determining prices for Volvo S90 insurance prices. A good driver about age 40 could pay as low as $1,080 a year in states like Missouri, New Hampshire, and Vermont, or as much as $2,000 on average in Michigan, New York, and Louisiana.

Volvo S90 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,268 -$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%

View Chart as Image

Volvo S90 insurance rates by U.S. city
Volvo S90 Insurance Rates by Model Year
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 Buy Low Cost Volvo S90 Insurance

Getting lower rates on insurance for a Volvo S90 takes being a safe and courteous driver, having a good credit score, being claim-free, and possibly raising deductibles. Invest time comparing rates at every other renewal by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

Below is a review of the concepts that were covered in the charts and tables above.

  • Drivers considered higher risk who have several accidents or serious violations pay on average $1,640 more each year for auto insurance
  • Teenage drivers are expensive to insure, possibly costing $444 a month if comprehensive and collision insurance is included
  • You may be able to save as much as $170 per year just by shopping early and online
  • Increasing physical damage deductibles could save up to $525 each year
  • You may be able to save as much as $170 per year just by shopping early and online

Rates by Driver Age

Volvo S90 Insurance 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

Volvo S90 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,748
$250 $1,588
$500 $1,402
$1,000 $1,224

Full coverage, driver age 40

Rates by Liability Limit

Volvo S90 Insurance Rates with Different Liability Limits
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

Volvo S90 Insurance 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.

SR-22 Surcharge $197

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
Rate after discounts $805

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

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