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...
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UPDATED: May 29, 2024
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U.S. average insurance prices for a Volvo S90 are $1,402 every 12 months with full coverage. Comprehensive costs an estimated $278, collision costs $506, and liability is estimated at $460. Liability-only coverage costs approximately $510 a year, with high-risk coverage costing around $3,044. 16-year-old drivers pay the highest rates at $5,322 a year or more.
Average premium for full coverage: $1,402
Price estimates broken down by individual coverage:
These estimates include $500 policy deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all U.S. states and for all S90 models.
Price Range from Low to High
For the average 40-year-old driver, Volvo S90 insurance prices go from the cheapest price of $510 for basic liability insurance to the much higher price of $3,044 for a high-risk insurance policy.
Geographic Price Range
Living in a larger city can have significant affects on car insurance rates. More rural locations have more infrequent collision claims than congested cities.
The example below illustrates the difference location can make on insurance prices.
The ranges above demonstrate why everyone should get quotes for a targeted area and their own driving history, instead of using rate averages.
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.
Rate Comparisons
The chart below details estimated Volvo S90 insurance rates for other coverage scenarios.
- The best full coverage rate is $805
- Choosing higher $1,000 deductibles can save approximately $178 annually
- The average price for the average middle-age driver who has $500 deductibles is $1,402
- Buying pricier low deductibles for comp and collision coverage increases the price to $1,748
- Unlucky drivers with multiple tickets or accidents could pay up to $3,044 or more
- The price to insure a teen driver for full coverage can cost as much as $5,322 each year
Auto insurance prices for a Volvo S90 are also quite variable based on deductibles and policy limits, your driving record, and the model year and trim level.
Opting for high physical damage deductibles can save as much as $530 every year, whereas buying more liability protection will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $414 extra every year. View Rates by Deductible or Liability Limit
A more mature driver with a good driving record and higher deductibles may pay as little as $1,300 annually on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers will have to pay at least $5,300 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you may be forking out $1,700 to $2,300 in extra premium each year, depending on your age. Volvo S90 insurance for high-risk drivers ranges as much as 43% to 135% more than the average rate. View High Risk Driver Rates
The state you live in plays a big part in determining prices for Volvo S90 insurance prices. A good driver about age 40 could pay as low as $1,010 a year in states like Utah, Ohio, and New Hampshire, or at least $1,890 on average in New York, Michigan, and Florida.
| 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% |
Since prices can be so different, the best way to find out which car insurance is cheapest is to regularly compare prices and see which company has the best price. Each auto insurer utilizes a different rate formula, and quoted prices may be quite different.
| 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 Shop for Cheap Volvo S90 Insurance
Getting lower rates on car insurance takes being safe and accident-free, having a good credit score, avoid buying unnecessary coverage, and qualifying for all possible discounts. Make time to compare rates at least every other year by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
Below you'll find a brief summary of the car insurance concepts touched on in this article.
- Higher risk drivers that tend to have accidents or serious violations may pay on average $1,640 more annually than a low-risk driver
- You may be able to save approximately $170 per year simply by quoting online well ahead of the renewal date
- Increasing physical damage deductibles could save as much as $525 each year
- Policyholders who want more liability protection will pay around $510 every year to raise limits from a low limit to a 250/500 level
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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