Volvo S90 Insurance Rates
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Michelle Robbins
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UPDATED: May 29, 2024
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The average insurance rates for a Volvo S90 are $1,402 a year including full coverage. Comprehensive insurance costs approximately $278 a year, collision insurance costs $506, and liability is estimated at $460. Liability-only insurance costs approximately $510 a year, and high-risk driver insurance costs $3,044 or more. 16-year-old 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 are based on $500 physical damage insurance deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and S90 trim levels.
Price Range Variability
For the average 40-year-old driver, Volvo S90 insurance rates range from the low end price of $510 for liability-only coverage to a high of $3,044 for high-risk insurance.
Urban vs. Rural Price Range
Living in a larger city can make a big difference on car insurance prices. Rural locations are shown to have lower incidents of comprehensive and collision claims than congested cities. The diagram below illustrates the difference location can make on auto insurance prices.
The examples above highlight why it is important to get quotes using their specific location, instead of making a decision based 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.
Additional Charts and Tables
The chart below breaks down average Volvo S90 insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $805
- Choosing higher $1,000 deductibles can save $1,224 every year
- The estimated price for a good driver age 40 who chooses $500 deductibles is $1,402
- Buying low $100 deductibles for comp and collision coverage will cost an additional $346 annually
- Higher-risk drivers with multiple tickets or accidents could pay around $3,044
- Policy cost that insures a 16-year-old driver can cost $5,322 each year
Auto insurance rates for a Volvo S90 also range considerably based on the trim level of your S90, your driving record and age, and physical damage deductibles and liability limits.
If you have a few points on your driving record or you caused an accident, you are likely paying anywhere from $1,700 to $2,300 in extra premium every year, depending on your age. A high-risk auto insurance policy ranges from 43% to 135% more than the average rate. View High Risk Driver Rates
Older drivers with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,300 annually on average, or $108 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will have to pay in the ballpark of $5,300 a year. View Rates by Age
Your home state plays a big part in determining prices for Volvo S90 insurance prices. A good driver about age 40 could pay as low as $1,080 a year in states like Vermont, New Hampshire, and Missouri, or at least $2,000 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,268 | -$134 | -9.6% |
| Alaska | $1,076 | -$326 | -23.3% |
| Arizona | $1,164 | -$238 | -17.0% |
| Arkansas | $1,402 | -$0 | 0.0% |
| California | $1,598 | $196 | 14.0% |
| Colorado | $1,340 | -$62 | -4.4% |
| Connecticut | $1,442 | $40 | 2.9% |
| Delaware | $1,586 | $184 | 13.1% |
| Florida | $1,754 | $352 | 25.1% |
| Georgia | $1,294 | -$108 | -7.7% |
| Hawaii | $1,008 | -$394 | -28.1% |
| Idaho | $948 | -$454 | -32.4% |
| Illinois | $1,044 | -$358 | -25.5% |
| Indiana | $1,056 | -$346 | -24.7% |
| Iowa | $946 | -$456 | -32.5% |
| Kansas | $1,332 | -$70 | -5.0% |
| Kentucky | $1,914 | $512 | 36.5% |
| Louisiana | $2,074 | $672 | 47.9% |
| Maine | $866 | -$536 | -38.2% |
| Maryland | $1,158 | -$244 | -17.4% |
| Massachusetts | $1,122 | -$280 | -20.0% |
| Michigan | $2,436 | $1,034 | 73.8% |
| Minnesota | $1,174 | -$228 | -16.3% |
| Mississippi | $1,680 | $278 | 19.8% |
| Missouri | $1,242 | -$160 | -11.4% |
| Montana | $1,506 | $104 | 7.4% |
| Nebraska | $1,106 | -$296 | -21.1% |
| Nevada | $1,682 | $280 | 20.0% |
| New Hampshire | $1,010 | -$392 | -28.0% |
| New Jersey | $1,566 | $164 | 11.7% |
| New Mexico | $1,242 | -$160 | -11.4% |
| New York | $1,476 | $74 | 5.3% |
| North Carolina | $808 | -$594 | -42.4% |
| North Dakota | $1,148 | -$254 | -18.1% |
| Ohio | $968 | -$434 | -31.0% |
| Oklahoma | $1,440 | $38 | 2.7% |
| Oregon | $1,284 | -$118 | -8.4% |
| Pennsylvania | $1,338 | -$64 | -4.6% |
| Rhode Island | $1,870 | $468 | 33.4% |
| South Carolina | $1,270 | -$132 | -9.4% |
| South Dakota | $1,182 | -$220 | -15.7% |
| Tennessee | $1,228 | -$174 | -12.4% |
| Texas | $1,692 | $290 | 20.7% |
| Utah | $1,038 | -$364 | -26.0% |
| Vermont | $960 | -$442 | -31.5% |
| Virginia | $840 | -$562 | -40.1% |
| Washington | $1,084 | -$318 | -22.7% |
| West Virginia | $1,286 | -$116 | -8.3% |
| Wisconsin | $970 | -$432 | -30.8% |
| Wyoming | $1,250 | -$152 | -10.8% |
Opting for high physical damage deductibles can save as much as $530 annually, while buying higher liability limits will push rates upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $414 extra every year. View Rates by Deductible or Liability Limit
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Volvo S90 | $356 | $714 | $398 | $1,626 |
| 2023 Volvo S90 | $344 | $698 | $416 | $1,616 |
| 2022 Volvo S90 | $332 | $668 | $430 | $1,588 |
| 2021 Volvo S90 | $314 | $646 | $442 | $1,560 |
| 2020 Volvo S90 | $302 | $598 | $452 | $1,510 |
| 2019 Volvo S90 | $290 | $564 | $456 | $1,468 |
| 2018 Volvo S90 | $278 | $506 | $460 | $1,402 |
| 2017 Volvo S90 | $260 | $466 | $460 | $1,344 |
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 Affordable Volvo S90 Insurance
Finding cheaper rates on insurance for a Volvo S90 takes being a low-risk driver, maintaining a good credit score, paying for small claims out-of-pocket, and possibly higher deductibles. Comparison shop every couple of years by obtaining price quotes from direct car insurance companies, and also from local auto insurance providers.
The items below are a brief review of the material that was touched on in this article.
- Insureds who purchase more liability coverage will pay around $510 per year to raise limits from a 30/60 limit to the 250/500 level
- Teen drivers have the highest car insurance rates, with premiums being up to $444 each month if the policy includes full coverage
- Drivers considered higher risk with DUI or reckless driving convictions will likely pay on average $1,640 more per year to insure their S90
- Increasing comprehensive and collision deductibles can save approximately $525 each year
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,322 |
| 20 | $3,242 |
| 30 | $1,456 |
| 40 | $1,402 |
| 50 | $1,282 |
| 60 | $1,258 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,748 |
| $250 | $1,588 |
| $500 | $1,402 |
| $1,000 | $1,224 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,402 |
| 50/100 | $1,494 |
| 100/300 | $1,609 |
| 250/500 | $1,908 |
| 100 CSL | $1,540 |
| 300 CSL | $1,793 |
| 500 CSL | $1,977 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,584 |
| 20 | $5,170 |
| 30 | $3,104 |
| 40 | $3,044 |
| 50 | $2,908 |
| 60 | $2,884 |
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 | $75 |
| Multi-vehicle | $75 |
| Homeowner | $22 |
| 5-yr Accident Free | $102 |
| 5-yr Claim Free | $91 |
| Paid in Full/EFT | $63 |
| Advance Quote | $69 |
| Online Quote | $100 |
| Total Discounts | $597 |
Discounts are estimated and may not be available from every company or in every state.
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