Volvo S90 Insurance Rates

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UPDATED: May 29, 2024

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Estimated insurance rates for a Volvo S90 are $1,468 a year for full coverage. Comprehensive costs around $290 a year, collision costs $564, and liability costs around $456. Liability-only insurance costs as low as $508 a year, with high-risk driver insurance costing around $3,196. Teenage drivers pay the most at $5,546 a year or more.

Average premium for full coverage: $1,468

Premium estimates for type of coverage:

Comprehensive $290
Collision $564
Liability $456

Prices include $500 deductible amounts, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all states and S90 trim levels.

Insurance Price Range by Risk and Coverage

Using a 40-year-old driver as an example, insurance rates for a Volvo S90 go from the low end price of $508 for minimum levels of liability insurance to a high of $3,196 for a high-risk insurance policy.

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

Insurance Price Range by Location

Where you live can have significant affects on auto insurance rates. Areas with sparse population are statistically proven to have lower incidents of accident claims than densely populated cities.

The diagram below illustrates how rural and urban location affects auto insurance rates.

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

These rate differences show why it is important to 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.

Additional Rate Details

The chart below shows estimated Volvo S90 insurance rates for additional coverage choices and driver risks.

  • The best discount rate is $836
  • Using higher $1,000 deductibles will save about $1,274 a year
  • The estimated price for a 40-year-old good driver using $500 deductibles is $1,468
  • Using low $100 deductibles for physical damage coverage bumps up the cost to $1,846
  • Drivers who are prone to accidents and violations could pay at least $3,196 or more
  • An auto insurance policy that insures a teen driver can be $5,546 or more

View Chart as Image

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

Insurance prices for a Volvo S90 also have a wide range based on the trim level of your S90, how you drive, and deductibles and policy limits.

If you have a few violations or you caused an accident, you could be paying at least $1,800 to $2,400 additional annually, depending on your age. A high-risk auto insurance policy can be as much as 43% to 137% more than a normal policy. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,400 a year, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records should be prepared to pay as much as $5,500 a year. View Rates by Age

Where you choose to live has a huge impact on Volvo S90 insurance prices. A driver around age 40 might see prices as low as $970 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,100 on average in Michigan, Louisiana, and New York.

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

Using high physical damage deductibles could cut prices by as much as $580 every year, while buying higher liability limits will increase prices. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $411 more each year. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to know your exact price is to get quotes and see which company has the best price. Each insurance company uses a different method to calculate prices, and prices will be substantially different.

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 Find the Right Volvo S90 Insurance

Finding better rates on car insurance requires having a good driving record, having a good credit score, not filing small claims, and taking advantage of discounts. Compare prices at least every other year by quoting rates from direct carriers, and also from several local insurance agents.

The next list is a quick rundown of the car insurance concepts raised in the charts and tables above.

  • Higher risk drivers with reckless driving or DUI convictions pay on average $1,730 more every year to buy Volvo S90 insurance
  • Drivers can save up to $180 per year simply by quoting early and online
  • Increasing policy deductibles can save approximately $575 each year
  • Policyholders who may need increased levels of liability coverage will pay an extra $500 each year to increase from 30/60 bodily injury limits to the 250/500 level

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.

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