Volvo S90 Insurance Rates
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UPDATED: May 29, 2024
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U.S. average auto insurance rates for a Volvo S90 are $1,468 annually including full coverage. Comprehensive costs an estimated $290 each year, collision costs $564, and liability coverage costs $456. Liability-only insurance costs as little as $508 a year, with high-risk driver insurance costing around $3,196. Teens pay the highest rates at $5,546 a year or more.
Average premium for full coverage: $1,468
Price estimates broken down by individual coverage:
Price estimates include $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and S90 models.
Price Range from Low to High
For an average driver, Volvo S90 insurance prices go from as cheap as $508 for just liability insurance to a high rate of $3,196 for a driver who has had serious violations or accidents.
Geographic Price Range
Your location has a large influence on the price of auto insurance. More rural locations have fewer comprehensive and collision claims than cities with more traffic congestion.
The graphic below illustrates the effect of geographic area on insurance prices.
The ranges above highlight why all drivers should compare rates for a targeted area and their own personal driving habits, rather than using averaged prices.
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 Details
The chart below breaks down estimated Volvo S90 insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $836
- Drivers who choose higher $1,000 deductibles will pay approximately $194 every year
- The estimated rate for the average middle-age driver who has $500 deductibles is $1,468
- Selecting low deductibles for comprehensive and collision insurance will cost $1,846
- High-risk insureds with serious driving violations could pay up to $3,196 or more
- The price with full coverage for a teenage driver can cost as much as $5,546 a year
Car insurance prices for a Volvo S90 are also quite variable based on the trim level and model year, your driving characteristics, and liability limits and deductibles.
More mature drivers with no driving violations and high physical damage deductibles may only pay around $1,400 per year on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will be charged at least $5,500 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you are likely paying $1,800 to $2,400 extra each year, depending on your age. Insurance for high-risk drivers can cost around 43% to 137% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles could save up to $580 a year, whereas increasing liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $411 extra every 12 months. View Rates by Deductible or Liability Limit
The state you live in makes a big difference in Volvo S90 insurance rates. A 40-year-old driver could pay as low as $1,130 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $2,100 on average in Louisiana, New York, and Michigan.
| 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% |
Since prices can be so different, the best way to figure out which car insurance is cheapest is to do a rate comparison and see how they stack up. Every company calculates prices differently, so rate quotes may be quite different between companies.
| 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 Buy Cheaper Volvo S90 Insurance
Getting lower rates on auto insurance not only requires being a safe and courteous driver, but also having a good credit score, being claim-free, and not having any coverage lapses. Take the time to compare rates every other policy renewal by requesting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.
Below is a condensed summary of the ideas that were covered in the above illustrations.
- Teenage drivers have the highest car insurance prices, possibly costing $462 a month if comprehensive and collision insurance is included
- Drivers with multiple at-fault accidents could be forced to pay on average $1,730 more annually for auto insurance
- Increasing physical damage deductibles could save up to $575 each year
- You may be able to save approximately $180 per year simply by quoting online in advance
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,846 |
| $250 | $1,672 |
| $500 | $1,468 |
| $1,000 | $1,274 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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