Volvo S90 Insurance Rates

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UPDATED: May 29, 2024

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Estimated insurance prices for a Volvo S90 are $1,468 every 12 months for full coverage insurance. Comprehensive insurance costs on average $290, collision costs $564, and liability is $456. A liability-only policy costs around $508 a year, with high-risk insurance costing $3,196 or more. Teen drivers pay the most at $5,546 a year or more.

Average premium for full coverage: $1,468

Premium estimates by type of coverage:

Comprehensive $290
Collision $564
Liability $456

Prices include $500 policy deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 states and for all S90 models.

Insurance Price Range by Risk and Coverage

For a driver around age 40, insurance rates for a Volvo S90 go from the cheapest price of $508 for just liability coverage to the much higher price of $3,196 for a driver required to buy high-risk insurance.

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

Insurance Price Range by Location

Choosing to live in a large city can make a big difference on insurance rates. Rural areas are statistically proven to have more infrequent physical damage claims than larger metro areas.

The example below illustrates the difference between rural and urban areas on car insurance rates.

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

These rate differences illustrate why everyone should compare rates quotes based on a specific location and their own driving history, instead of making a decision based on price 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.

Detailed Rate Analysis

The chart below illustrates estimated Volvo S90 insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $836
  • Raising to $1,000 deductibles will save around $194 each year
  • The average price for a 40-year-old good driver with $500 deductibles is $1,468
  • Choosing pricier low deductibles costs an extra $378 annually
  • Drivers with multiple violations and an at-fault accident could pay upwards of $3,196 or more
  • An auto insurance policy to insure a 16-year-old driver for full coverage may cost $5,546

View Chart as Image

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

Auto insurance prices for a Volvo S90 also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the trim level of your S90.

Choosing high deductibles can reduce prices by up to $580 annually, whereas buying more liability protection will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $411 extra every year. View Rates by Deductible or Liability Limit

A more mature driver with a good driving record and higher deductibles may pay as low as $1,400 every 12 months on average, or $117 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will have to pay upwards of $5,500 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are probably paying at a minimum $1,800 to $2,400 in extra premium annually, depending on your age. Volvo S90 insurance for high-risk drivers is expensive and can cost from 43% to 137% more than average. View High Risk Driver Rates

Where you choose to live also has a big influence on Volvo S90 insurance prices. A middle-age driver might find prices as low as $960 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,980 on average in Michigan, New York, and Florida.

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

With such a large range in prices, the only way to figure out exactly what you will pay is to regularly compare prices from multiple companies. Every auto insurance company uses a different rate calculation, and quoted 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 Shop for the Right Volvo S90 Insurance

Finding better rates on insurance for a Volvo S90 consists of being safe and accident-free, having a good credit score, paying for small claims out-of-pocket, and taking advantage of discounts. Set aside time to compare rates at every policy renewal by obtaining price quotes from direct insurance companies, and also from several local insurance agents.

Below you'll find a quick rundown of the data covered above.

  • Insureds who require more liability protection will pay about $500 annually to raise from 30/60 bodily injury limits to a 250/500 level
  • It is possible to save as much as $180 per year simply by quoting online well ahead of the renewal date
  • Increasing policy deductibles could save as much as $575 each year
  • Youthful drivers are charged the highest prices, with premiums being up to $462 per 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.

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