Volvo S90 Insurance Rates

The average insurance rates for a Volvo S90 are $1,468 a year for full coverage. Comprehensive insurance costs on average $290 a year, collision insurance costs $564, and liability coverage costs $456. Buying just liability costs as little as $508 a year, and insurance for high-risk drivers costs $3,196 or more. Teenage drivers cost the most to insure at up to $5,546 a year.

Average premium for full coverage: $1,468

Policy rates by type of insurance:

These estimates include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all states and S90 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on car insurance rates. Rural areas are shown to have lower incidents of accident claims than densely populated cities. The diagram below illustrates how rural and urban location affects car insurance rates.

The examples above show why it is important to compare rates based on a specific location, rather than using average rates.

Use the form below to get customized rates for your location.

Detailed Rate Analysis

The chart below shows average Volvo S90 insurance rates for different risk profiles and scenarios.

• The best discount rate is $836
• Drivers who choose higher $1,000 deductibles will pay around $1,274 a year
• The estimated price for a good driver age 40 with $500 deductibles is $1,468
• Using low $100 deductibles for comprehensive and collision insurance will cost an additional $378 each year
• High-risk insureds who are prone to accidents and violations could pay upwards of $3,196
• Policy cost that insures a teenage driver may cost $5,546 a year

View Chart as Image

Insurance rates for a Volvo S90 also range considerably based on the trim level of your S90, how you drive, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you could be paying at a minimum $1,800 to $2,400 extra every year, depending on your age. A high-risk auto insurance policy can cost around 43% to 137% more than a normal policy. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,400 per year on average, or $117 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay upwards of $5,500 a year. View Rates by Age

Your home state makes a big difference in Volvo S90 insurance rates. A 40-year-old driver could pay as low as $970 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,100 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles could save up to $580 a year, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $411 more per year. View Rates by Deductible or Liability Limit

How to Find Cheap Volvo S90 Insurance

Finding cheaper rates on auto insurance not only requires having a decent driving record, but also having above-average credit, avoid buying unnecessary coverage, and determing if full coverage is necessary. Compare prices once a year by getting price quotes from direct carriers, and also from local exclusive and independent agents.

The following items are a brief summary of the data that was raised in the charts and tables above.

• Drivers can save as much as $180 per year just by quoting early and online
• Consumers who require additional liability coverage will pay an extra $500 each year to go from a 30/60 limit to the 250/500 level
• 16 to 18-year-old drivers pay the highest rates, costing up to $462 each month if full coverage is included
• Drivers that tend to have accidents or serious violations may pay on average $1,730 more each year than a driver with a clean driving record