Volvo S90 Insurance Rates

The average insurance rates for a Volvo S90 are $1,402 a year including full coverage. Comprehensive insurance costs on average $278 a year, collision insurance costs $506, and liability coverage is estimated at $460. Liability-only coverage costs approximately $510 a year, and high-risk coverage costs $3,044 or more. Teenage drivers cost the most to insure at up to $5,322 a year.

Average premium for full coverage: $1,402

Policy rates by type of insurance:

Prices include $500 policy deductibles, bodily injury liability limits of 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and S90 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on car insurance rates. Rural areas are shown to have lower incidents of comprehensive and collision claims than densely populated cities. The diagram below illustrates the difference between rural and urban areas on car insurance rates.

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

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

More Rate Details

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

• The best discount rate is $805
• Choosing higher $1,000 deductibles can save around $1,224 every year
• The estimated price for a good driver age 40 with $500 deductibles is $1,402
• Using low $100 deductibles for comp and collision coverage will cost an additional $346 each year
• Drivers who are prone to accidents and violations could pay upwards of $3,044
• Policy cost that insures a teenage driver may cost $5,322 each year

View Chart as Image

Insurance rates for a Volvo S90 also range considerably based on the trim level of your S90, your driving record and age, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you are likely paying at a minimum $1,700 to $2,300 additional every year, depending on your age. A high-risk auto insurance policy ranges around 43% to 135% more than a normal policy. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,300 annually on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay upwards of $5,300 a year. View Rates by Age

Your home state plays a big part in determining prices for Volvo S90 insurance rates. A good driver about age 40 could pay as low as $1,080 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $2,000 on average in Michigan, New York, and Louisiana.

View Chart as Image

Using high physical damage deductibles can save as much as $530 a year, while buying higher liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $414 more each year. View Rates by Deductible or Liability Limit

How to Find the Right Volvo S90 Insurance

Finding cheaper rates on auto insurance takes being safe and accident-free, having a good credit score, paying for small claims out-of-pocket, and dropping full coverage on older vehicles. Compare prices every other policy renewal by getting rate quotes from direct car insurance companies, and also from insurance agencies where you live.

Below you'll find a quick rundown of the ideas that were covered above.

• Youthful drivers pay higher rates, with premiums being up to $444 each month if comprehensive and collision insurance is included
• Drivers with reckless driving or DUI convictions could be forced to pay on average $1,640 more each year than a low-risk driver
• Increasing comprehensive and collision deductibles can save approximately $525 each year
• You may be able to save as much as $170 per year just by quoting early and online