Volvo S90 Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
UPDATED: May 29, 2024
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.
The average auto insurance rates for a Volvo S90 are $1,510 annually for full coverage insurance. Comprehensive insurance costs approximately $302, collision costs $598, and liability insurance costs around $452. A liability-only policy costs as low as $504 a year, with high-risk insurance costing $3,292 or more. Teen drivers cost the most to insure at $5,678 a year or more.
Average premium for full coverage: $1,510
Policy rates by type of insurance:
Rates are based on $500 policy deductibles, liability limits of 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all 50 states and for different S90 trim levels.
Price Range Variability
For the normal driver, Volvo S90 insurance rates go from as cheap as $504 for just liability insurance to a much higher rate of $3,292 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Where you live has a significant impact on the price of auto insurance. Rural locations are shown to have fewer physical damage claims than larger metro areas.
The price range example below illustrates how geographic area affects auto insurance prices.
The examples above illustrate why anyone shopping for car insurance should compare prices using their specific location and their own personal driving habits, rather than relying 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 Details
The chart below illustrates estimated Volvo S90 insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $858
- Using higher $1,000 deductibles will save $204 each year
- The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,510
- Choosing more expensive low deductibles for physical damage coverage costs an additional $400 a year
- Drivers with multiple violations and an at-fault accident could pay around $3,292 or more
- Policy cost with full coverage for a teen driver with full coverage can cost $5,678 or more
Car insurance rates for a Volvo S90 also range considerably based on the model year and trim level, your risk profile, and physical damage deductibles and liability limits.
An older driver with no driving violations and high physical damage deductibles could pay as little as $1,400 a year, or $117 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will be charged in the ballpark of $5,600 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you are probably paying anywhere from $1,800 to $2,500 extra every year, depending on your age. High-risk driver insurance can be anywhere from 44% to 133% more than average. View High Risk Driver Rates
Choosing high deductibles could cut rates by as much as $610 each year, while increasing your policy's liability limits will push rates upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $407 extra every 12 months. View Rates by Deductible or Liability Limit
Your home state has a huge impact on Volvo S90 insurance rates. A driver around age 40 might see rates as low as $990 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $2,040 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,366 | -$144 | -9.5% |
| Alaska | $1,158 | -$352 | -23.3% |
| Arizona | $1,252 | -$258 | -17.1% |
| Arkansas | $1,510 | -$0 | 0.0% |
| California | $1,720 | $210 | 13.9% |
| Colorado | $1,442 | -$68 | -4.5% |
| Connecticut | $1,554 | $44 | 2.9% |
| Delaware | $1,710 | $200 | 13.2% |
| Florida | $1,890 | $380 | 25.2% |
| Georgia | $1,394 | -$116 | -7.7% |
| Hawaii | $1,086 | -$424 | -28.1% |
| Idaho | $1,022 | -$488 | -32.3% |
| Illinois | $1,126 | -$384 | -25.4% |
| Indiana | $1,138 | -$372 | -24.6% |
| Iowa | $1,018 | -$492 | -32.6% |
| Kansas | $1,436 | -$74 | -4.9% |
| Kentucky | $2,060 | $550 | 36.4% |
| Louisiana | $2,236 | $726 | 48.1% |
| Maine | $932 | -$578 | -38.3% |
| Maryland | $1,246 | -$264 | -17.5% |
| Massachusetts | $1,208 | -$302 | -20.0% |
| Michigan | $2,626 | $1,116 | 73.9% |
| Minnesota | $1,266 | -$244 | -16.2% |
| Mississippi | $1,810 | $300 | 19.9% |
| Missouri | $1,340 | -$170 | -11.3% |
| Montana | $1,622 | $112 | 7.4% |
| Nebraska | $1,192 | -$318 | -21.1% |
| Nevada | $1,812 | $302 | 20.0% |
| New Hampshire | $1,090 | -$420 | -27.8% |
| New Jersey | $1,688 | $178 | 11.8% |
| New Mexico | $1,338 | -$172 | -11.4% |
| New York | $1,590 | $80 | 5.3% |
| North Carolina | $870 | -$640 | -42.4% |
| North Dakota | $1,238 | -$272 | -18.0% |
| Ohio | $1,044 | -$466 | -30.9% |
| Oklahoma | $1,550 | $40 | 2.6% |
| Oregon | $1,384 | -$126 | -8.3% |
| Pennsylvania | $1,440 | -$70 | -4.6% |
| Rhode Island | $2,016 | $506 | 33.5% |
| South Carolina | $1,368 | -$142 | -9.4% |
| South Dakota | $1,276 | -$234 | -15.5% |
| Tennessee | $1,322 | -$188 | -12.5% |
| Texas | $1,822 | $312 | 20.7% |
| Utah | $1,118 | -$392 | -26.0% |
| Vermont | $1,034 | -$476 | -31.5% |
| Virginia | $904 | -$606 | -40.1% |
| Washington | $1,168 | -$342 | -22.6% |
| West Virginia | $1,384 | -$126 | -8.3% |
| Wisconsin | $1,046 | -$464 | -30.7% |
| Wyoming | $1,348 | -$162 | -10.7% |
Because rates have so much variability, the only way to figure out who has the best car insurance rates is to compare rates from as many companies as possible. Each insurance company uses a different rate calculation, so rate quotes will be varied between companies.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Volvo S90 | $390 | $750 | $372 | $1,670 |
| 2023 Volvo S90 | $372 | $720 | $390 | $1,640 |
| 2022 Volvo S90 | $356 | $714 | $398 | $1,626 |
| 2021 Volvo S90 | $344 | $698 | $416 | $1,616 |
| 2020 Volvo S90 | $332 | $668 | $430 | $1,588 |
| 2019 Volvo S90 | $314 | $646 | $442 | $1,560 |
| 2018 Volvo S90 | $302 | $598 | $452 | $1,510 |
| 2017 Volvo S90 | $290 | $564 | $456 | $1,468 |
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 the Best Cheap Volvo S90 Insurance
Finding cheaper rates on Volvo S90 insurance requires being safe and accident-free, having a good credit score, being claim-free, and avoiding coverage lapses. Invest the time to compare rates once a year by getting rate quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
Below you'll find a quick review of the data that was presented in the illustrations above.
- It is possible to save around $180 per year simply by shopping early and online
- Drivers who purchase more liability protection will pay about $500 annually to increase from a 30/60 limit to higher 250/500 limits
- Youthful drivers pay the highest auto insurance rates, possibly costing $473 each month if comprehensive and collision insurance is included
- High-risk drivers with a DUI or reckless driving violation could be forced to pay on average $1,780 more per year than a low-risk driver
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,678 |
| 20 | $3,512 |
| 30 | $1,574 |
| 40 | $1,510 |
| 50 | $1,382 |
| 60 | $1,356 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,910 |
| $250 | $1,724 |
| $500 | $1,510 |
| $1,000 | $1,306 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,510 |
| 50/100 | $1,600 |
| 100/300 | $1,713 |
| 250/500 | $2,007 |
| 100 CSL | $1,646 |
| 300 CSL | $1,894 |
| 500 CSL | $2,075 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,118 |
| 20 | $5,602 |
| 30 | $3,362 |
| 40 | $3,292 |
| 50 | $3,144 |
| 60 | $3,118 |
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 | $81 |
| Multi-vehicle | $81 |
| Homeowner | $23 |
| 5-yr Accident Free | $114 |
| 5-yr Claim Free | $99 |
| Paid in Full/EFT | $70 |
| Advance Quote | $76 |
| Online Quote | $108 |
| Total Discounts | $652 |
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
Secured with SHA-256 Encryption
