Volvo S90 Insurance Rates

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UPDATED: May 29, 2024

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Estimated auto insurance rates for a Volvo S90 are $1,402 annually including full coverage. Comprehensive costs around $278 each year, collision costs $506, and liability costs around $460. Liability-only coverage costs as low as $510 a year, with high-risk coverage costing around $3,044. Teenage drivers pay the most at $5,322 a year or more.

Average premium for full coverage: $1,402

Premium estimates for type of coverage:

Comprehensive $278
Collision $506
Liability $460

Prices include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all 50 U.S. states and S90 models.

Insurance Price Range by Risk and Coverage

For a driver in their 40's, insurance rates for a Volvo S90 go from as cheap as $510 for a discount liability-only rate to a high rate of $3,044 for a driver that may need high-risk insurance.

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

Insurance Price Range by Location

Where you live can make a big difference on the price of insurance. Areas with sparse population are statistically proven to have fewer comprehensive and collision claims than densely populated cities.

The graphic below illustrates how location helps determine auto insurance rates.

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

These rate differences highlight why all drivers should compare prices 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.

Rates by State, City, and Model

The chart below breaks down estimated Volvo S90 insurance rates for additional coverage choices and driver risks.

  • The best discount rate is $805
  • Using higher $1,000 deductibles will save about $178 every year
  • The estimated rate for a 40-year-old good driver using $500 deductibles is $1,402
  • Using low deductibles for physical damage coverage will cost $1,748
  • High-risk insureds who are prone to accidents and violations could pay at least $3,044 or more
  • An auto insurance policy with full coverage for a 16-year-old driver can be $5,322 or more

View Chart as Image

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

Insurance prices for a Volvo S90 also have a wide range based on the model of your S90, your driving characteristics, and deductibles and policy limits.

More mature drivers with a clean driving record and high physical damage deductibles may pay as low as $1,300 a year, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they can expect 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 are likely paying at least $1,700 to $2,300 extra annually, depending on your age. Insurance for high-risk drivers can be from 43% to 135% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $530 annually, whereas increasing liability limits will increase prices. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $414 more per year. View Rates by Deductible or Liability Limit

Where you choose to live has a huge impact on Volvo S90 insurance prices. A driver around age 40 might see prices as low as $1,080 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $2,000 on average in Michigan, New York, and Louisiana.

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

With such a large range in prices, the best way to figure out your exact price is to do a rate comparison from multiple companies. Each insurance company uses a different method to calculate prices, so the prices will be substantially different between companies.

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 Buy the Right Volvo S90 Insurance

Finding better rates on insurance for a Volvo S90 requires having a decent driving record, having a good credit history, refrain from filing small claims, and insuring your home and auto with the same company. Invest time comparing rates once a year by quoting rates from direct car insurance companies, and also from your local independent and exclusive agents.

The following items are a quick rundown of the data that was covered in the charts and tables above.

  • You may be able to save up to $170 per year simply by quoting online in advance
  • Insureds who may need additional liability coverage will pay an extra $510 per year to increase from 30/60 bodily injury limits to higher 250/500 limits
  • 16 to 18-year-old drivers pay higher prices, with the cost nearing $444 per month including comprehensive and collision insurance
  • Drivers considered higher risk with reckless driving or DUI convictions may pay on average $1,640 more every year than a driver with a clean driving record

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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