Volvo S90 Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: May 29, 2024
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The average insurance rates for a Volvo S90 are $1,468 a year for full coverage insurance. Comprehensive insurance costs approximately $290, collision costs $564, and liability insurance is estimated at $456. A liability-only policy costs approximately $508 a year, with high-risk insurance costing $3,196 or more. Teenage drivers cost the most to insure at $5,546 a year or more.
Average premium for full coverage: $1,468
Policy rates by type of insurance:
Prices include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 states and for all S90 models.
Price Range Variability
Using a middle-aged driver as an example, Volvo S90 insurance rates go from the low end price of $508 for basic liability insurance to the much higher price of $3,196 for a high-risk driver policy.
Urban vs. Rural Price Range
Living in a larger city has a significant impact on the price of auto insurance. Rural locations are shown to have lower incidents of physical damage claims than densely populated cities.
The example below illustrates how where you live affects auto insurance prices.
The examples above illustrate why everyone should get quotes using their specific location, rather than relying on 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.
Rate Comparisons
The chart below illustrates estimated Volvo S90 insurance rates for additional coverage and risk scenarios.
- The best discount rate is $836
- Choosing higher $1,000 deductibles can save $194 each year
- The estimated price for a good driver age 40 who chooses $500 deductibles is $1,468
- Using pricier low deductibles for comp and collision coverage will cost an additional $378 a year
- High-risk insureds who are prone to accidents and violations could pay around $3,196 or more
- Policy cost that insures a teen driver for full coverage can cost $5,546 each year
Car insurance rates for a Volvo S90 also range considerably based on the model of your S90, your age and driving record, and physical damage deductibles and liability limits.
If you have a few points on your driving record or you caused an accident, you are probably paying anywhere from $1,800 to $2,400 extra every year, depending on your age. Volvo S90 insurance for high-risk drivers ranges anywhere from 43% to 137% more than a normal policy. View High Risk Driver Rates
A more mature driver with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,400 annually on average, or $117 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will be charged in the ballpark of $5,500 a year. View Rates by Age
Your home state plays a big part in determining prices for Volvo S90 insurance rates. A good driver about age 40 could pay as low as $960 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,980 on average in Florida, 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% |
Using high physical damage deductibles can save as much as $580 each year, whereas buying more liability protection will push rates upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $411 extra every 12 months. View Rates by Deductible or Liability Limit
Because rates have so much variability, the only way to figure out who has the best car insurance rates is to regularly compare rates from as many companies as possible. Each auto insurer uses a different method to calculate rates, so rate quotes will be varied.
| 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 cheaper rates on Volvo S90 insurance takes avoiding accidents and violations, having a positive credit history, being claim-free, and avoiding coverage lapses. Compare prices every time your policy renews by getting rate quotes from direct insurance companies, and also from your local car insurance providers.
The list below is a quick rundown of the information touched on in the above illustrations.
- It is possible to save around $180 per year simply by quoting online well ahead of the renewal date
- Teenagers pay the highest auto insurance rates, possibly costing $462 each month if full coverage is purchased
- Increasing comprehensive and collision deductibles can save approximately $575 each year
- High-risk drivers with reckless driving or DUI convictions could be charged and average of $1,730 more per year for car insurance
- Drivers who purchase higher liability limits will pay an extra $500 annually to raise limits from a 30/60 limit to the 250/500 level
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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