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...
Licensed Insurance Agent
UPDATED: May 29, 2024
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Estimated auto insurance rates for a Volvo S90 are $1,402 annually for full coverage. Comprehensive costs around $278 a year, collision insurance costs $506, and liability is estimated at $460. Liability-only insurance costs approximately $510 a year, and high-risk driver insurance costs around $3,044. Teenage drivers pay the most at up to $5,322 a year.
Average premium for full coverage: $1,402
Premium estimates for type of coverage:
Estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all states and S90 trim levels.
Insurance Price Range by Risk and Coverage
For a driver around age 40, insurance rates for a Volvo S90 range from as cheap as $510 for just the minimum liability insurance to a high of $3,044 for a high-risk driver policy.
Insurance Price Range by Location
Living in a larger city can make a big difference on auto insurance rates. Areas with sparse population are statistically proven to have fewer accident claims than densely populated cities. The diagram below illustrates the difference between rural and urban areas on auto insurance rates.
These rate differences show why it is important to get quotes for a specific zip code and their own personal driving habits, instead of making a decision based 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.
Additional Rate Analysis
The chart below shows average Volvo S90 insurance rates for additional coverage choices and driver risks.
- The best discount rate is $805
- Choosing higher $1,000 deductibles can save about $1,224 a year
- The estimated rate for a 40-year-old good driver using $500 deductibles is $1,402
- Using low $100 deductibles for comp and collision coverage will cost $1,748
- Higher-risk drivers who are prone to accidents and violations could pay at least $3,044
- An auto insurance policy with full coverage for a 16-year-old driver can be $5,322 each year
Insurance prices for a Volvo S90 also have a wide range based on the model of your S90, your driver profile, and deductibles and policy limits.
Older drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,300 annually on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they should be prepared to pay as much as $5,300 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you could be paying at least $1,700 to $2,300 additional annually, depending on your age. A high-risk auto insurance policy ranges from 43% to 135% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles can save as much as $530 annually, while buying higher liability limits will increase prices. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $414 more each year. View Rates by Deductible or Liability Limit
Where you choose to live plays a big part in determining prices for Volvo S90 insurance prices. A good driver about age 40 could pay as low as $920 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,000 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,268 | -$134 | -9.6% |
| Alaska | $1,076 | -$326 | -23.3% |
| Arizona | $1,164 | -$238 | -17.0% |
| Arkansas | $1,402 | -$0 | 0.0% |
| California | $1,598 | $196 | 14.0% |
| Colorado | $1,340 | -$62 | -4.4% |
| Connecticut | $1,442 | $40 | 2.9% |
| Delaware | $1,586 | $184 | 13.1% |
| Florida | $1,754 | $352 | 25.1% |
| Georgia | $1,294 | -$108 | -7.7% |
| Hawaii | $1,008 | -$394 | -28.1% |
| Idaho | $948 | -$454 | -32.4% |
| Illinois | $1,044 | -$358 | -25.5% |
| Indiana | $1,056 | -$346 | -24.7% |
| Iowa | $946 | -$456 | -32.5% |
| Kansas | $1,332 | -$70 | -5.0% |
| Kentucky | $1,914 | $512 | 36.5% |
| Louisiana | $2,074 | $672 | 47.9% |
| Maine | $866 | -$536 | -38.2% |
| Maryland | $1,158 | -$244 | -17.4% |
| Massachusetts | $1,122 | -$280 | -20.0% |
| Michigan | $2,436 | $1,034 | 73.8% |
| Minnesota | $1,174 | -$228 | -16.3% |
| Mississippi | $1,680 | $278 | 19.8% |
| Missouri | $1,242 | -$160 | -11.4% |
| Montana | $1,506 | $104 | 7.4% |
| Nebraska | $1,106 | -$296 | -21.1% |
| Nevada | $1,682 | $280 | 20.0% |
| New Hampshire | $1,010 | -$392 | -28.0% |
| New Jersey | $1,566 | $164 | 11.7% |
| New Mexico | $1,242 | -$160 | -11.4% |
| New York | $1,476 | $74 | 5.3% |
| North Carolina | $808 | -$594 | -42.4% |
| North Dakota | $1,148 | -$254 | -18.1% |
| Ohio | $968 | -$434 | -31.0% |
| Oklahoma | $1,440 | $38 | 2.7% |
| Oregon | $1,284 | -$118 | -8.4% |
| Pennsylvania | $1,338 | -$64 | -4.6% |
| Rhode Island | $1,870 | $468 | 33.4% |
| South Carolina | $1,270 | -$132 | -9.4% |
| South Dakota | $1,182 | -$220 | -15.7% |
| Tennessee | $1,228 | -$174 | -12.4% |
| Texas | $1,692 | $290 | 20.7% |
| Utah | $1,038 | -$364 | -26.0% |
| Vermont | $960 | -$442 | -31.5% |
| Virginia | $840 | -$562 | -40.1% |
| Washington | $1,084 | -$318 | -22.7% |
| West Virginia | $1,286 | -$116 | -8.3% |
| Wisconsin | $970 | -$432 | -30.8% |
| Wyoming | $1,250 | -$152 | -10.8% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Volvo S90 | $356 | $714 | $398 | $1,626 |
| 2023 Volvo S90 | $344 | $698 | $416 | $1,616 |
| 2022 Volvo S90 | $332 | $668 | $430 | $1,588 |
| 2021 Volvo S90 | $314 | $646 | $442 | $1,560 |
| 2020 Volvo S90 | $302 | $598 | $452 | $1,510 |
| 2019 Volvo S90 | $290 | $564 | $456 | $1,468 |
| 2018 Volvo S90 | $278 | $506 | $460 | $1,402 |
| 2017 Volvo S90 | $260 | $466 | $460 | $1,344 |
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 Low Cost Volvo S90 Insurance
Finding better rates on insurance for a Volvo S90 takes avoiding accidents and violations, having good credit, not filing small claims, and deciding if full coverage is necessary. Set aside time to compare rates every time your policy renews by quoting rates from direct carriers, and also from local independent and exclusive agents.
The list below is a review of the information covered above.
- Drivers can save up to $170 per year just by quoting early and online
- Teenagers are charged the highest prices, as much as $444 per month if they have full coverage
- Increasing policy deductibles could save up to $525 each year
- Drivers considered higher risk who have several accidents or serious violations pay an average of $1,640 more every year for car insurance
- Insureds who may need higher liability limits will pay an extra $510 each year to raise limits from 30/60 bodily injury limits to higher 250/500 limits
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,322 |
| 20 | $3,242 |
| 30 | $1,456 |
| 40 | $1,402 |
| 50 | $1,282 |
| 60 | $1,258 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,748 |
| $250 | $1,588 |
| $500 | $1,402 |
| $1,000 | $1,224 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,402 |
| 50/100 | $1,494 |
| 100/300 | $1,609 |
| 250/500 | $1,908 |
| 100 CSL | $1,540 |
| 300 CSL | $1,793 |
| 500 CSL | $1,977 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,584 |
| 20 | $5,170 |
| 30 | $3,104 |
| 40 | $3,044 |
| 50 | $2,908 |
| 60 | $2,884 |
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 | $75 |
| Multi-vehicle | $75 |
| Homeowner | $22 |
| 5-yr Accident Free | $102 |
| 5-yr Claim Free | $91 |
| Paid in Full/EFT | $63 |
| Advance Quote | $69 |
| Online Quote | $100 |
| Total Discounts | $597 |
Discounts are estimated and may not be available from every company or in every state.
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