Volvo S90 Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

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 insurance costs around $302, collision insurance costs $598, and liability insurance is $452. Buying just liability costs around $504 a year, and insurance for high-risk drivers costs $3,292 or more. 16-year-old drivers pay the highest rates at up to $5,678 a year.

Average premium for full coverage: $1,510

Price estimates for individual coverage:

Comprehensive $302
Collision $598
Liability $452

These estimates include $500 deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 U.S. states and for different S90 trim levels.

Price Range from Low to High

For a driver around age 40, Volvo S90 insurance prices range from the low end price of $504 for your basic liability-only policy to a much higher rate of $3,292 for a driver that may need high-risk insurance.

Liability Only $504
Full Coverage $1,510
High Risk $3,292

Geographic Price Range

Choosing to live in a large city has a significant impact on the price of insurance. Areas with sparse population have lower incidents of comprehensive and collision claims than congested cities. The price range example below illustrates the difference between rural and urban areas on auto insurance rates.

Rural Areas $1,133
Small Cities $1,586
Large Cities $2,039

The ranges above highlight why anyone shopping for car insurance should compare rates quotes for a specific zip code, rather than relying on 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.

More Rate Information

The chart below breaks down average Volvo S90 insurance rates for additional coverage choices and driver risks.

  • The best full coverage rate is $858
  • Raising to $1,000 deductibles will save about $204 every year
  • The estimated price for the average middle-age driver using $500 deductibles is $1,510
  • Buying more expensive low deductibles will cost an additional $400 a year
  • Higher-risk drivers with multiple tickets or accidents could pay at least $3,292
  • The price that insures a teen driver with full coverage can be $5,678

View Chart as Image

Volvo S90 insurance cost comparison chart
Column chart showing Volvo S90 insurance prices range from $858 to $5,678 for full coverage

Insurance prices for a Volvo S90 are also quite variable based on the model year and trim level, 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 additional each year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 44% to 133% more than the average rate. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,400 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records should be prepared to pay as much as $5,600 a year. View Rates by Age

The state you live in also has a big influence on Volvo S90 insurance rates. A middle-age driver might find prices as low as $1,160 a year in states like Missouri, New Hampshire, and Vermont, or at least $2,160 on average in Michigan, New York, and Louisiana.

Volvo S90 Insurance Rates by State
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%

View Chart as Image

Volvo S90 insurance rates by U.S. city

Opting for high physical damage deductibles can reduce prices by up to $610 each year, while increasing your policy's 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 more each year. View Rates by Deductible or Liability Limit

Volvo S90 Insurance Rates by Model Year
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 Cheap Volvo S90 Insurance

Getting lower rates on Volvo S90 insurance consists of not taking risks behind the wheel, having a good credit score, being claim-free, and deciding if full coverage is necessary. Comparison shop once a year by getting quotes from direct car insurance companies, and also from local insurance agencies.

The following is a brief summary of the data that was covered above.

  • You may be able to save up to $180 per year just by shopping early and online
  • Drivers who may need higher liability limits will pay around $500 per year to raise from a low limit to the 250/500 level
  • Teens are charged the highest prices, possibly costing $473 a month if comprehensive and collision insurance is included
  • High-risk drivers that tend to have accidents or serious violations may have to pay on average $1,780 more every year for S90 insurance

Rates by Driver Age

Volvo S90 Insurance 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

Volvo S90 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,910
$250 $1,724
$500 $1,510
$1,000 $1,306

Full coverage, driver age 40

Rates by Liability Limit

Volvo S90 Insurance Rates with Different Liability Limits
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

Volvo S90 Insurance 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.

SR-22 Surcharge $216

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
Rate after discounts $858

Discounts are estimated and may not be available from every company or in every state.

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