Volvo S90 Insurance Rates
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UPDATED: May 29, 2024
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U.S. average insurance rates for a Volvo S90 are $1,510 a year including full coverage. Comprehensive costs around $302 each year, collision costs $598, and liability costs around $452. Liability-only insurance costs as low as $504 a year, with high-risk driver insurance costing around $3,292. Teenage drivers pay the highest rates at $5,678 a year or more.
Average premium for full coverage: $1,510
Price estimates for individual coverage:
Prices are based on $500 policy deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and S90 models.
Price Range from Low to High
Using a 40-year-old driver as an example, Volvo S90 insurance prices go from the low end price of $504 for just liability coverage to a high rate of $3,292 for a high-risk insurance policy.
Geographic Price Range
Where you live can have significant affects on the price of insurance. Areas with sparse population have lower incidents of comprehensive and collision claims than densely populated cities.
The graphic below illustrates how rural and urban location affects auto insurance rates.
The ranges above highlight why all drivers should compare prices for a specific zip code, instead of 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.
Detailed Rate Analysis
The chart below breaks down estimated Volvo S90 insurance rates for additional coverage choices and driver risks.
- The best discount rate is $858
- Using higher $1,000 deductibles will save about $204 every year
- The estimated price for the average middle-age driver using $500 deductibles is $1,510
- Using low deductibles for physical damage coverage bumps up the cost to $1,910
- Drivers who are prone to accidents and violations could pay at least $3,292 or more
- The price that insures a teen driver can be $5,678 or more
Car insurance prices for a Volvo S90 are also quite variable based on the trim level and model year, your driving record and age, and deductibles and policy limits.
If you have some driving violations or you caused an accident, you are likely paying at least $1,800 to $2,500 extra each year, depending on your age. Insurance for high-risk drivers can be as much as 44% to 133% more than a normal policy. View High Risk Driver Rates
More mature drivers with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,400 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will be charged as much as $5,600 a year. View Rates by Age
The state you live in has a huge impact on Volvo S90 insurance prices. A driver around age 40 might see prices as low as $1,160 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $2,160 on average in Michigan, New York, and Louisiana.
| 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% |
Using high physical damage deductibles could cut prices by as much as $610 every year, whereas increasing liability limits will increase prices. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $407 extra every 12 months. View Rates by Deductible or Liability Limit
Since prices can be so different, the best way to figure out your exact price is to do a rate comparison and see which company has the best price. Each insurance 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 | $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 Find Affordable Volvo S90 Insurance
Getting lower rates on car insurance requires being safe and accident-free, having a positive credit history, being claim-free, and qualifying for all possible discounts. Compare prices at least every other year by obtaining price quotes from direct car insurance companies, and also from local insurance agencies.
Below you'll find a brief review of the car insurance concepts raised in the charts and tables above.
- Higher risk drivers with DUI or reckless driving convictions may have to pay on average $1,780 more every year than a low-risk driver
- You may be able to save up to $180 per year simply by quoting online in advance
- Increasing physical damage deductibles can save approximately $600 each year
- Policyholders who may need more liability protection will pay an extra $500 per year to increase from a low limit to the 250/500 level
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.
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