Volvo S90 Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

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

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

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

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:

Comprehensive $290
Collision $564
Liability $456

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.

Liability Only $508
Full Coverage $1,468
High Risk $3,196

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.

Rural Areas $1,101
Small Cities $1,541
Large Cities $1,982

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

View Chart as Image

Volvo S90 insurance cost comparison chart
Column chart showing Volvo S90 insurance rates range from $836 to $5,546 for full coverage

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.

Volvo S90 Insurance Rates by State
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%

View Chart as Image

Volvo S90 insurance rates by U.S. city
Volvo S90 Insurance Rates by Model Year
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

Rates by Driver Age

Volvo S90 Insurance 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

Volvo S90 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,846
$250 $1,672
$500 $1,468
$1,000 $1,274

Full coverage, driver age 40

Rates by Liability Limit

Volvo S90 Insurance Rates with Different Liability Limits
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

Volvo S90 Insurance 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.

SR-22 Surcharge $209

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
Rate after discounts $836

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

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles