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 for full coverage. Comprehensive costs an estimated $290 each year, collision insurance costs $564, and liability is $456. Liability-only coverage costs around $508 a year, and high-risk coverage costs around $3,196. 16-year-old drivers pay the highest rates at up to $5,546 a year.
Average premium for full coverage: $1,468
Price estimates broken down by individual coverage:
Prices include $500 deductible amounts, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all states and S90 models.
Price Range from Low to High
For a driver around age 40, Volvo S90 insurance prices range from the cheapest price of $508 for just the minimum liability insurance to a high rate of $3,196 for a driver required to buy high-risk insurance.
Geographic Price Range
Choosing to live in a large city can have significant affects on insurance rates. More rural locations have more infrequent accident claims than congested cities. The graphic below illustrates the difference between rural and urban areas on insurance prices.
The ranges above show why all drivers should compare rates quotes for a targeted area and their own driving history, instead of using rate 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.
Additional Rate Analysis
The chart below shows average Volvo S90 insurance rates for other coverage scenarios.
- The best full coverage rate is $836
- Raising to $1,000 deductibles will save approximately $194 a year
- The average price for the average middle-age driver who has $500 deductibles is $1,468
- Buying low deductibles increases the price to $1,846
- At-risk drivers with multiple tickets or accidents could pay up to $3,196
- The price to insure a teen driver can cost as much as $5,546
Auto insurance prices for a Volvo S90 are also quite variable based on deductibles and policy limits, your driver profile, and the model year and trim level.
Opting for high physical damage deductibles can reduce prices by up to $580 every year, whereas increasing liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $411 extra every year. View Rates by Deductible or Liability Limit
More mature drivers with a good driving record and higher deductibles may pay as little as $1,400 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers will have to pay at least $5,500 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you could be paying $1,800 to $2,400 in extra premium each year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 43% to 137% more than the average rate. View High Risk Driver Rates
The state you live in also has a big influence on Volvo S90 insurance prices. A middle-age driver might find prices as low as $970 a year in states like Iowa, Maine, and Idaho, or at least $2,100 on average in New York, Louisiana, and Michigan.
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% |
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 Right Volvo S90 Insurance
Getting lower rates on car insurance consists of having a good driving record, having a good credit score, eliminating unnecessary coverage, and consideration of higher deductibles. Set aside time to compare rates at every policy renewal by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The next list is a quick rundown of the data covered above.
- Policyholders who want increased levels of liability coverage will pay around $500 each year to raise from a low limit to a 250/500 level
- Drivers can save approximately $180 per year just by quoting online in advance
- Increasing physical damage deductibles could save as much as $575 each year
- Drivers age 20 and younger are the costliest to insure, with premiums as much as $462 a month if comprehensive and collision insurance is included
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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