Volvo S90 Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 29, 2024

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The average insurance rates for a Volvo S90 are $1,510 a year including full coverage. Comprehensive costs approximately $302 a year, collision costs $598, and liability coverage costs $452. Liability-only insurance costs as little as $504 a year, with high-risk driver insurance costing around $3,292. Teens cost the most to insure at $5,678 a year or more.

Average premium for full coverage: $1,510

Policy rates by type of insurance:

Comprehensive $302
Collision $598
Liability $452

Rate estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and S90 trim levels.

Price Range Variability

For a driver around age 40, Volvo S90 insurance rates go from the low end price of $504 for just liability coverage to a high of $3,292 for a high-risk insurance policy.

Liability Only $504
Full Coverage $1,510
High Risk $3,292

Urban vs. Rural Price Range

Your location has a large influence on car insurance prices. Rural locations are shown to have lower incidents of comprehensive and collision claims than cities with more traffic congestion.

The diagram below illustrates the difference between rural and urban areas on auto insurance prices.

Rural Areas $1,133
Small Cities $1,586
Large Cities $2,039

The examples above highlight why it is important to compare rates using their specific location, 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.

Detailed Rate Analysis

The chart below breaks down estimated Volvo S90 insurance rates for additional coverage and risk scenarios.

  • The cheapest rate after discounts is $858
  • Drivers who choose higher $1,000 deductibles will pay $1,306 every year
  • The estimated price for a good driver age 40 who chooses $500 deductibles is $1,510
  • Selecting low $100 deductibles for comprehensive and collision insurance bumps up the cost to $1,910
  • High-risk insureds with serious driving violations could pay around $3,292 or more
  • Policy cost that insures a teenage driver can cost $5,678 a year

View Chart as Image

Volvo S90 insurance cost comparison chart
Column chart showing full coverage Volvo S90 insurance rates range from $858 to $5,678

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 $1,800 to $2,500 in extra premium every year, depending on your age. A high-risk auto insurance policy can cost around 44% to 133% more than the average policy. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles may only pay around $1,400 per year on average, or $117 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will have to pay in the ballpark of $5,600 a year. View Rates by Age

Your home state makes a big difference in Volvo S90 insurance rates. A 40-year-old driver could pay as low as $1,160 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $2,160 on average in Louisiana, New York, and Michigan.

Volvo S90 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,366 -$144 -9.5%
Alaska $1,158 -$352 -23.3%
Arizona $1,252 -$258 -17.1%
Arkansas $1,510 -$0 0.0%
California $1,720 $210 13.9%
Colorado $1,442 -$68 -4.5%
Connecticut $1,554 $44 2.9%
Delaware $1,710 $200 13.2%
Florida $1,890 $380 25.2%
Georgia $1,394 -$116 -7.7%
Hawaii $1,086 -$424 -28.1%
Idaho $1,022 -$488 -32.3%
Illinois $1,126 -$384 -25.4%
Indiana $1,138 -$372 -24.6%
Iowa $1,018 -$492 -32.6%
Kansas $1,436 -$74 -4.9%
Kentucky $2,060 $550 36.4%
Louisiana $2,236 $726 48.1%
Maine $932 -$578 -38.3%
Maryland $1,246 -$264 -17.5%
Massachusetts $1,208 -$302 -20.0%
Michigan $2,626 $1,116 73.9%
Minnesota $1,266 -$244 -16.2%
Mississippi $1,810 $300 19.9%
Missouri $1,340 -$170 -11.3%
Montana $1,622 $112 7.4%
Nebraska $1,192 -$318 -21.1%
Nevada $1,812 $302 20.0%
New Hampshire $1,090 -$420 -27.8%
New Jersey $1,688 $178 11.8%
New Mexico $1,338 -$172 -11.4%
New York $1,590 $80 5.3%
North Carolina $870 -$640 -42.4%
North Dakota $1,238 -$272 -18.0%
Ohio $1,044 -$466 -30.9%
Oklahoma $1,550 $40 2.6%
Oregon $1,384 -$126 -8.3%
Pennsylvania $1,440 -$70 -4.6%
Rhode Island $2,016 $506 33.5%
South Carolina $1,368 -$142 -9.4%
South Dakota $1,276 -$234 -15.5%
Tennessee $1,322 -$188 -12.5%
Texas $1,822 $312 20.7%
Utah $1,118 -$392 -26.0%
Vermont $1,034 -$476 -31.5%
Virginia $904 -$606 -40.1%
Washington $1,168 -$342 -22.6%
West Virginia $1,384 -$126 -8.3%
Wisconsin $1,046 -$464 -30.7%
Wyoming $1,348 -$162 -10.7%

View Chart as Image

Volvo S90 insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles could save up to $610 a year, 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 $407 extra every year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to get quotes and see how they stack up. Every company calculates rates differently, and quoted rates will be varied.

Volvo S90 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Volvo S90 $390 $750 $372 $1,670
2023 Volvo S90 $372 $720 $390 $1,640
2022 Volvo S90 $356 $714 $398 $1,626
2021 Volvo S90 $344 $698 $416 $1,616
2020 Volvo S90 $332 $668 $430 $1,588
2019 Volvo S90 $314 $646 $442 $1,560
2018 Volvo S90 $302 $598 $452 $1,510
2017 Volvo S90 $290 $564 $456 $1,468

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 Best Volvo S90 Insurance

Finding cheaper rates on auto insurance not only requires avoiding accidents and violations, but also maintaining a good credit score, paying for small claims out-of-pocket, and not having any coverage lapses. Compare rates at least every other year by obtaining price quotes from direct car insurance companies, and also from local auto insurance providers.

The list below is a brief recap of the car insurance concepts covered above.

  • Drivers who tend to receive serious violations will likely pay on average $1,780 more per year for car insurance
  • You may be able to save around $180 per year simply by quoting early and online
  • Increasing comprehensive and collision deductibles can save approximately $600 each year
  • Consumers who purchase higher liability limits will pay approximately $500 per year to go from a 30/60 limit to the 250/500 level

Rates by Driver Age

Volvo S90 Insurance Rates by Driver Age
Driver Age Premium
16 $5,678
20 $3,512
30 $1,574
40 $1,510
50 $1,382
60 $1,356

Full coverage, $500 deductibles

Rates by Deductible

Volvo S90 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,910
$250 $1,724
$500 $1,510
$1,000 $1,306

Full coverage, driver age 40

Rates by Liability Limit

Volvo S90 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,510
50/100 $1,600
100/300 $1,713
250/500 $2,007
100 CSL $1,646
300 CSL $1,894
500 CSL $2,075

Full coverage, driver age 40

Rates for High Risk Drivers

Volvo S90 Insurance Rates for High Risk Drivers
Age Premium
16 $8,118
20 $5,602
30 $3,362
40 $3,292
50 $3,144
60 $3,118

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 $216

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $81
Multi-vehicle $81
Homeowner $23
5-yr Accident Free $114
5-yr Claim Free $99
Paid in Full/EFT $70
Advance Quote $76
Online Quote $108
Total Discounts $652
Rate after discounts $858

Discounts are estimated and may not be available from every company or in every state.

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