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 insurance prices for a Volvo S90 are $1,402 every 12 months for full coverage insurance. Comprehensive insurance costs on average $278 a year, collision costs $506, and liability insurance costs around $460. A liability-only policy costs as low as $510 a year, with high-risk insurance costing $3,044 or more. Teenage drivers pay the most at $5,322 a year or more.
Average premium for full coverage: $1,402
Premium estimates by type of coverage:
Price estimates include $500 deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 states and S90 trim levels.
Insurance Price Range by Risk and Coverage
For an average driver, insurance rates for a Volvo S90 go from the cheapest price of $510 for basic liability insurance to a high of $3,044 for high-risk insurance.
Insurance Price Range by Location
Where you live has a significant impact on insurance rates. Rural areas are statistically proven to have more infrequent physical damage claims than densely populated cities.
The diagram below illustrates the effect of geographic area on car insurance rates.
These rate differences illustrate why it is important to compare prices based on a specific location and their own driving history, 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.
Rate Comparisons
The chart below illustrates estimated Volvo S90 insurance rates for different risk profiles and scenarios.
- The best discount rate is $805
- Using higher $1,000 deductibles will save around $1,224 each year
- The average price for a 40-year-old good driver with $500 deductibles is $1,402
- Using low $100 deductibles for physical damage coverage costs an extra $346 a year
- Drivers who are prone to accidents and violations could pay upwards of $3,044 or more
- An auto insurance policy to insure a teen driver may cost $5,322 or more
Auto insurance prices for a Volvo S90 also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the trim level of your S90.
Using high physical damage deductibles could cut prices by as much as $530 each year, while buying higher liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $414 extra every year. View Rates by Deductible or Liability Limit
Older drivers with a good driving record and higher 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, since even excellent drivers will have to pay upwards of $5,300 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you are probably paying at a minimum $1,700 to $2,300 in extra premium annually, depending on your age. A high-risk auto insurance policy can be anywhere from 43% to 135% more than a normal policy. View High Risk Driver Rates
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 $920 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,890 on average in Michigan, New York, 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% |
With such a large range in prices, the only way to figure out exactly what you will pay is to get quotes from as many companies as possible. Each insurance company uses a different method to calculate prices, and quoted prices will be substantially 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 Cheaper Volvo S90 Insurance
Finding better rates on Volvo S90 insurance requires not taking risks behind the wheel, having a good credit score, paying for small claims out-of-pocket, and taking advantage of discounts. Take the time to compare rates every couple of years by quoting rates from direct insurance companies, and also from several local insurance agents.
The following is a condensed summary of the material that was covered in the above illustrations.
- Drivers who require higher liability limits will pay an extra $510 annually to increase from 30/60 bodily injury limits to a 250/500 level
- Teens are charged the highest prices, with premiums being up to $444 per month if comprehensive and collision insurance is included
- High-risk drivers with multiple at-fault accidents pay on average $1,640 more each year for S90 insurance
- Increasing policy deductibles could save as much as $525 each year
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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