Volvo S90 Insurance Rates

Estimated insurance rates for a Volvo S90 are $1,402 a year with full coverage. Comprehensive insurance costs on average $278 a year, collision insurance costs $506, and liability insurance costs $460. Liability-only insurance costs as little as $510 a year, and high-risk driver insurance costs $3,044 or more. 16-year-old drivers pay the most at up to $5,322 a year.

Average premium for full coverage: $1,402

Premium estimates by type of coverage:

Prices are based on $500 physical damage insurance deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all U.S. states and S90 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a significant impact on auto insurance rates. Rural areas are statistically proven to have lower incidents of collision claims than congested cities. The diagram below illustrates how location helps determine car insurance rates.

These rate differences demonstrate why it is important to compare rates based on a specific location, rather than relying on rate averages.

Use the form below to get customized rates for your location.

Rates by State, City, and Model

The chart below details average Volvo S90 insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $805
• Drivers who choose higher $1,000 deductibles will pay around $1,224 annually
• The estimated price for a 40-year-old good driver with $500 deductibles is $1,402
• Buying low $100 deductibles for comprehensive and collision insurance will cost an additional $346 a year
• High risk drivers with multiple tickets or accidents could pay upwards of $3,044
• An auto insurance policy that insures a teen driver may cost $5,322 a year

View Chart as Image

Insurance prices for a Volvo S90 also have a wide range based on the trim level of your S90, your age and driving habits, and policy deductibles and limits.

If you have a few violations or you caused an accident, you may be forking out at a minimum $1,700 to $2,300 additional annually, depending on your age. A high-risk auto insurance policy can cost anywhere from 43% to 135% more than the average rate. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,300 per year on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records should be prepared to pay upwards of $5,300 a year. View Rates by Age

Where you choose to live makes a big difference in Volvo S90 insurance rates. A 40-year-old driver could pay as low as $1,010 a year in states like New Hampshire, Ohio, and Utah, or at least $1,890 on average in Florida, Michigan, and New York.

View Chart as Image

Opting for high physical damage deductibles could save up to $530 each year, while buying higher liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $414 more each year. View Rates by Deductible or Liability Limit

How to Find Affordable Volvo S90 Insurance

Finding better rates on Volvo S90 insurance not only requires being a low-risk driver, but also having a good credit score, being claim-free, and dropping full coverage on older vehicles. Comparison shop at least every other year by getting rate quotes from direct companies, and also from several local insurance agents.

The items below are a brief review of the car insurance concepts covered in the charts and tables above.

• High-risk drivers with DUI or reckless driving convictions pay on average $1,640 more each year to insure their S90
• You may be able to save as much as $170 per year just by quoting early and online
• Increasing policy deductibles can save approximately $525 each year
• Drivers who require more liability coverage will pay around $510 every year to go from 30/60 bodily injury limits to the 250/500 level