Volvo S90 Insurance Rates
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Michelle Robbins
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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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Estimated insurance prices for a Volvo S90 are $1,468 every 12 months for full coverage insurance. Comprehensive costs an estimated $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 around $3,196. Teenage drivers pay the most at $5,546 a year or more.
Average premium for full coverage: $1,468
Premium estimates broken down by type of coverage:
Price estimates include $500 policy deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all 50 states and for different S90 trim levels.
Insurance Price Range by Risk and Coverage
For the average 40-year-old driver, insurance rates for a Volvo S90 go from the cheapest price of $508 for a discount liability-only rate to a much higher rate of $3,196 for a driver that may need high-risk insurance.
Insurance Price Range by Location
Living in a larger city has a significant impact on the price of insurance. More rural locations are statistically proven to have more infrequent physical damage claims than densely populated cities.
The price range example below illustrates the difference location can make on insurance prices.
These rate differences illustrate why anyone shopping for car insurance should get quotes for a targeted area and their own driving history, 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.
Rates by State, City, and Model
The chart below illustrates estimated Volvo S90 insurance rates for other coverage scenarios.
- The best discount rate is $836
- Choosing higher $1,000 deductibles can save approximately $194 each year
- The average price for a 40-year-old good driver who has $500 deductibles is $1,468
- Using more expensive low deductibles for comp and collision coverage increases the price to $1,846
- High-risk insureds who are prone to accidents and violations could pay up to $3,196 or more
- An auto insurance policy to insure a teen driver with full coverage can cost as much as $5,546 each year
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 model year and trim level.
Using high physical damage deductibles can save as much as $580 each year, while increasing your policy's liability limits will increase premiums. 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
An older driver with a good driving record and higher deductibles could pay as little as $1,400 annually on average, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will have to pay at least $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 $1,800 to $2,400 in extra premium annually, depending on your age. High-risk driver insurance ranges anywhere from 43% to 137% more than a normal policy. View High Risk Driver Rates
Where you choose to live 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% |
With such a large range in prices, the only way to figure out which insurance company is cheapest is to compare prices from as many companies as possible. Each auto insurer uses a different method to calculate prices, and quoted prices will be substantially different.
| 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 Cheaper Volvo S90 Insurance
Finding better rates on Volvo S90 insurance takes being a good driver, having a good credit score, paying for small claims out-of-pocket, and qualifying for all possible discounts. Make time to compare rates once a year by requesting quotes from direct insurance companies, and also from insurance agencies where you live.
The following list is a condensed summary of the data that was touched on in this article.
- It is possible to save approximately $180 per year simply by shopping early and online
- Drivers who want an increased level of liability coverage will pay an extra $500 annually to raise limits from 30/60 bodily injury limits to a 250/500 level
- Drivers age 16 to 20 are the costliest to insure, with premiums being up to $462 per month if comprehensive and collision insurance is included
- High-risk drivers with multiple at-fault accidents could be forced to pay on average $1,730 more annually than a safer driver
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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