Volvo S90 Insurance Rates

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UPDATED: May 29, 2024

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Estimated insurance rates for a Volvo S90 are $1,402 a year with full coverage. Comprehensive costs approximately $278, collision insurance costs $506, and liability insurance costs around $460. A liability-only policy costs as low as $510 a year, and high-risk 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 by type of coverage:

Comprehensive $278
Collision $506
Liability $460

Includes $500 comprehensive and collision deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Rates include averaging for all U.S. 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 range from as low as $510 for just liability insurance to the much higher price of $3,044 for a driver required to buy high-risk insurance.

Liability Only $510
Full Coverage $1,402
High Risk $3,044

Insurance Price Range by Location

Where you live has a significant impact on the price of insurance. Rural locations are statistically proven to have a lower frequency of collision claims than densely populated cities. The example below illustrates the difference between rural and urban areas on auto insurance prices.

Rural Areas $1,052
Small Cities $1,472
Large Cities $1,893

These rate differences demonstrate why everyone should compare prices using their specific location and risk profile, 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.

More Rate Details

The chart below details average Volvo S90 insurance rates for additional coverage and risk scenarios.

  • The best discount rate is $805
  • Using higher $1,000 deductibles will save $178 annually
  • The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,402
  • Using pricier low deductibles for physical damage coverage will increase the cost to $1,748
  • Drivers who are prone to accidents and violations could pay around $3,044
  • An auto insurance policy for full coverage for a teen driver for full coverage can cost $5,322 or more

View Chart as Image

Volvo S90 insurance cost comparison chart
Column chart showing Volvo S90 insurance rates range from $805 to $5,322 for full coverage

Auto insurance prices for a Volvo S90 also have a wide range based on your driving characteristics, the trim level and model year, and physical damage deductibles and liability limits.

A more mature driver with a good driving record and high deductibles could pay as little as $1,300 a year, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will have to pay in the ballpark of $5,300 a year. View Rates by Age

Where you choose to live has a huge impact on Volvo S90 insurance rates. A driver around age 40 might see prices as low as $1,010 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,890 on average in New York, Michigan, and Florida.

Volvo S90 Insurance Rates by State
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%

View Chart as Image

Volvo S90 insurance rates by U.S. city

Using high physical damage deductibles could cut prices by as much as $530 each year, whereas buying more liability protection will push prices upward. Moving from a 50/100 limit to a 250/500 limit will cost up to $414 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you may be forking out anywhere from $1,700 to $2,300 in extra premium annually, depending on your age. Volvo S90 insurance for high-risk drivers can be anywhere from 43% to 135% more than a normal policy. View High Risk Driver Rates

Volvo S90 Insurance Rates by Model Year
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 Find the Cheapest Volvo S90 Insurance

Finding better rates on Volvo S90 insurance requires avoiding accidents and violations, having good credit, being claim-free, and possibly higher deductibles. Set aside time to compare rates at every policy renewal by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The list below is a recap of the data covered above.

  • Drivers who purchase higher liability limits will pay an extra $510 every year to increase from 30/60 bodily injury limits to 250/500 limits
  • You may be able to save around $170 per year just by quoting online well ahead of the renewal date
  • Increasing policy deductibles can save around $525 each year
  • Teenagers have the highest car insurance prices, possibly costing $444 per month if they have full coverage

Rates by Driver Age

Volvo S90 Insurance 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

Volvo S90 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,748
$250 $1,588
$500 $1,402
$1,000 $1,224

Full coverage, driver age 40

Rates by Liability Limit

Volvo S90 Insurance Rates with Different Liability Limits
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

Volvo S90 Insurance 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.

SR-22 Surcharge $197

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
Rate after discounts $805

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

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