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 $1,468 every 12 months with full coverage. Comprehensive costs approximately $290, collision costs $564, and liability coverage costs $456. Liability-only insurance costs as little as $508 a year, with high-risk driver insurance costing around $3,196. 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:
Rate estimates include $500 deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all U.S. states and for different S90 trim levels.
Price Range from Low to High
Using a middle-aged driver as an example, Volvo S90 insurance prices go from the cheapest price of $508 for the bare minimum liability coverage to a much higher rate of $3,196 for coverage for higher-risk drivers.
Geographic Price Range
Your location has a large influence on the price of insurance. Rural locations have more infrequent collision claims than densely populated cities.
The price range example below illustrates how where you live affects auto insurance prices.
The ranges above demonstrate why anyone shopping for car insurance should compare rates using their specific location and their own driving history, 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 Information
The chart below details estimated Volvo S90 insurance rates for additional coverage and risk scenarios.
- The best discount rate is $836
- Drivers who choose higher $1,000 deductibles will pay $194 annually
- The average price for the average middle-age driver who chooses $500 deductibles is $1,468
- Using more expensive low deductibles for comprehensive and collision insurance increases the price to $1,846
- High-risk insureds who are prone to accidents and violations could pay around $3,196 or more
- The price to insure a teenage driver with full coverage can cost $5,546 a year
Car insurance prices for a Volvo S90 are also quite variable based on deductibles and policy limits, your driving record, and the model of your S90.
Using high physical damage deductibles could save up to $580 a year, while increasing your policy's liability limits will push prices upward. Moving from a 50/100 liability 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
An older driver with no driving violations and higher deductibles may only pay around $1,400 per year on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will be charged in the ballpark of $5,500 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you may be forking out anywhere from $1,800 to $2,400 extra each year, depending on your age. High-risk driver insurance can cost around 43% to 137% more than a normal policy. View High Risk Driver Rates
The state you live in makes a big difference in Volvo S90 insurance rates. A 40-year-old driver could pay as low as $1,060 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,980 on average in New York, Michigan, and Florida.
| 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% |
Since prices can be so different, the best way to find out who has the cheapest auto insurance prices is to compare prices and see how they stack up. Every company uses a different method to calculate prices, so rate quotes may be quite different.
| 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 Shop for the Best Volvo S90 Insurance
Getting lower rates on auto insurance not only requires not taking risks behind the wheel, but also maintaining a good credit score, avoid buying unnecessary coverage, and avoiding coverage lapses. Take the time to comparison shop at least once a year by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
The following is a brief recap of the primary concepts that were touched on in the above illustrations.
- You may be able to save around $180 per year simply by shopping early and online
- Drivers who tend to receive serious violations could be forced to pay on average $1,730 more per year for S90 insurance
- Increasing physical damage deductibles could save as much as $575 each year
- Teens pay the highest auto insurance prices, costing up to $462 a month if the policy includes full coverage
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,846 |
| $250 | $1,672 |
| $500 | $1,468 |
| $1,000 | $1,274 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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