Volvo S90 Insurance Rates
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Michelle Robbins
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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 rates for a Volvo S90 are $1,402 a year for full coverage. Comprehensive insurance costs approximately $278 a year, collision costs $506, and liability insurance costs $460. Buying just liability costs as little as $510 a year, with insurance for high-risk drivers costing $3,044 or more. Teenage drivers pay the highest rates at $5,322 a year or more.
Average premium for full coverage: $1,402
Price estimates by individual coverage:
Full coverage includes $500 policy deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all states and S90 trim levels.
Price Range from Low to High
For the average 40-year-old driver, Volvo S90 insurance prices go from as low as $510 for basic liability insurance to a high of $3,044 for a driver that may need high-risk insurance.
Geographic Price Range
Your location has a significant impact on car insurance rates. Rural locations have a lower frequency of accident claims than densely populated cities.
The diagram below illustrates the difference location can make on auto insurance prices.
The ranges above show why it is important to compare rates 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.
Rate Comparisons
The chart below shows estimated Volvo S90 insurance rates for additional coverage and risk scenarios.
- The best discount rate is $805
- Drivers who choose higher $1,000 deductibles will pay $1,224 a year
- The average rate for the average middle-age driver who chooses $500 deductibles is $1,402
- Using low $100 deductibles for comprehensive and collision insurance will cost an extra $346 a year
- High risk drivers who are prone to accidents and violations could pay around $3,044 or more
- The price for full coverage for a teen driver can cost $5,322 a year
Insurance prices for a Volvo S90 are also quite variable based on your driving record, the trim level of your S90, and physical damage deductibles and liability limits.
Older drivers with no violations or accidents and high deductibles could pay as little as $1,300 per year on average for full coverage. Prices are much higher for teenage drivers, where even good drivers should be prepared to pay in the ballpark of $5,300 a year. View Rates by Age
The state you live in makes a big difference in Volvo S90 insurance rates. A 40-year-old driver could pay as low as $920 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $2,000 on average in New York, Louisiana, and Michigan.
| 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% |
Using high physical damage deductibles could save up to $530 each year, while buying higher liability limits will push prices upward. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $414 more each year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you could be paying anywhere from $1,700 to $2,300 additional each year, depending on your age. A high-risk auto insurance policy can cost anywhere from 43% to 135% more than a normal policy. View High Risk Driver Rates
Since prices can be so different, the only way to know who has the cheapest car insurance prices is to get quotes from as many companies as possible. Every company uses a different method to calculate prices, and prices may be quite different from one company to the next.
| 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 More Affordable Volvo S90 Insurance
Getting lower rates on Volvo S90 insurance not only requires being safe and accident-free, but also having a good credit history, eliminating unnecessary coverage, and qualifying for all possible discounts. Make time to compare rates once a year by getting quotes from direct carriers like Progressive and GEICO, and also from local exclusive and independent agents.
Below you'll find a summary of the data that was touched on in this article.
- Drivers can save around $170 per year simply by quoting early and online
- Drivers who purchase more liability protection will pay an extra $510 each year to go from a low limit to 250/500 limits
- Youthful drivers are the costliest to insure, with premiums as much as $444 a month including comprehensive and collision insurance
- High-risk drivers who have multiple accidents or major violations may pay on average $1,640 more per year than a low-risk driver
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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