Volvo S90 Insurance Rates

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UPDATED: May 29, 2024

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U.S. average auto insurance rates for a Volvo S90 are $1,468 annually with full coverage. Comprehensive costs approximately $290, collision costs $564, and liability costs around $456. Liability-only coverage costs as low as $508 a year, with high-risk coverage costing around $3,196. Teen drivers pay the highest rates at $5,546 a year or more.

Average premium for full coverage: $1,468

Price estimates by individual coverage:

Comprehensive $290
Collision $564
Liability $456

Estimates include $500 deductibles, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all U.S. states and for all S90 models.

Price Range from Low to High

For a driver in their 40's, Volvo S90 insurance prices go from as cheap as $508 for your basic liability-only policy to the much higher price of $3,196 for a driver who has had serious violations or accidents.

Liability Only $508
Full Coverage $1,468
High Risk $3,196

Geographic Price Range

Where you live can have significant affects on the price of insurance. Rural locations have fewer collision claims than larger metro areas.

The example below illustrates how location helps determine auto insurance prices.

Rural Areas $1,101
Small Cities $1,541
Large Cities $1,982

The ranges above demonstrate why everyone should compare prices using their specific location and their own personal driving habits, instead of using price 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.

More Rate Information

The chart below details estimated Volvo S90 insurance rates for additional coverage and risk scenarios.

  • The lowest rate with discounts is $836
  • Using higher $1,000 deductibles will save $194 annually
  • The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,468
  • Choosing pricier low deductibles for physical damage coverage will cost $1,846
  • Drivers with multiple violations and an at-fault accident could pay around $3,196 or more
  • The price with full coverage for a teen driver for full coverage can cost $5,546 or more

View Chart as Image

Volvo S90 insurance cost comparison chart
Column chart showing full coverage Volvo S90 insurance rates range from $836 to $5,546

Auto insurance prices for a Volvo S90 are also quite variable based on the trim level and model year, your driving record, and physical damage deductibles and liability limits.

A more mature driver with a good driving record and high physical damage deductibles may pay as little as $1,400 a year for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will have to pay in the ballpark of $5,500 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out anywhere from $1,800 to $2,400 in extra premium each year, depending on your age. Volvo S90 insurance for high-risk drivers can be as much as 43% to 137% more than average. View High Risk Driver Rates

Choosing high deductibles could cut prices by as much as $580 every year, whereas buying more liability protection will push prices upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $411 extra every year. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Volvo S90 insurance prices. A driver around age 40 might see prices as low as $1,060 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,980 on average in New York, Michigan, and Florida.

Volvo S90 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,328 -$140 -9.5%
Alaska $1,126 -$342 -23.3%
Arizona $1,218 -$250 -17.0%
Arkansas $1,468 -$0 0.0%
California $1,672 $204 13.9%
Colorado $1,404 -$64 -4.4%
Connecticut $1,510 $42 2.9%
Delaware $1,662 $194 13.2%
Florida $1,836 $368 25.1%
Georgia $1,354 -$114 -7.8%
Hawaii $1,054 -$414 -28.2%
Idaho $992 -$476 -32.4%
Illinois $1,094 -$374 -25.5%
Indiana $1,106 -$362 -24.7%
Iowa $990 -$478 -32.6%
Kansas $1,396 -$72 -4.9%
Kentucky $2,004 $536 36.5%
Louisiana $2,172 $704 48.0%
Maine $908 -$560 -38.1%
Maryland $1,212 -$256 -17.4%
Massachusetts $1,174 -$294 -20.0%
Michigan $2,552 $1,084 73.8%
Minnesota $1,228 -$240 -16.3%
Mississippi $1,760 $292 19.9%
Missouri $1,302 -$166 -11.3%
Montana $1,578 $110 7.5%
Nebraska $1,156 -$312 -21.3%
Nevada $1,760 $292 19.9%
New Hampshire $1,058 -$410 -27.9%
New Jersey $1,640 $172 11.7%
New Mexico $1,302 -$166 -11.3%
New York $1,548 $80 5.4%
North Carolina $846 -$622 -42.4%
North Dakota $1,202 -$266 -18.1%
Ohio $1,014 -$454 -30.9%
Oklahoma $1,508 $40 2.7%
Oregon $1,344 -$124 -8.4%
Pennsylvania $1,400 -$68 -4.6%
Rhode Island $1,960 $492 33.5%
South Carolina $1,328 -$140 -9.5%
South Dakota $1,238 -$230 -15.7%
Tennessee $1,286 -$182 -12.4%
Texas $1,770 $302 20.6%
Utah $1,088 -$380 -25.9%
Vermont $1,006 -$462 -31.5%
Virginia $880 -$588 -40.1%
Washington $1,136 -$332 -22.6%
West Virginia $1,344 -$124 -8.4%
Wisconsin $1,016 -$452 -30.8%
Wyoming $1,308 -$160 -10.9%

View Chart as Image

Volvo S90 insurance rates by U.S. city

Since prices can be so different, the best way to find out who has the cheapest auto insurance prices is to regularly compare prices and see which company has the best price. Each insurance company uses a different rate calculation, and quoted prices may be quite different between companies.

Volvo S90 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Volvo S90 $372 $720 $390 $1,640
2023 Volvo S90 $356 $714 $398 $1,626
2022 Volvo S90 $344 $698 $416 $1,616
2021 Volvo S90 $332 $668 $430 $1,588
2020 Volvo S90 $314 $646 $442 $1,560
2019 Volvo S90 $302 $598 $452 $1,510
2018 Volvo S90 $290 $564 $456 $1,468
2017 Volvo S90 $278 $506 $460 $1,402

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 Low Cost Volvo S90 Insurance

Getting lower rates on car insurance requires not taking risks behind the wheel, having above-average credit, avoid buying unnecessary coverage, and not having any coverage lapses. Invest time comparing rates every other policy renewal by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The following is a review of the ideas that were covered in the charts and tables above.

  • Teens have the highest car insurance prices, costing up to $462 a month if full coverage is included
  • Higher risk drivers who have several accidents or serious violations may pay on average $1,730 more per year for S90 insurance
  • Increasing physical damage deductibles could save up to $575 each year
  • You may be able to save around $180 per year simply by quoting online well ahead of the renewal date

Rates by Driver Age

Volvo S90 Insurance Rates by Driver Age
Driver Age Premium
16 $5,546
20 $3,410
30 $1,526
40 $1,468
50 $1,340
60 $1,316

Full coverage, $500 deductibles

Rates by Deductible

Volvo S90 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,846
$250 $1,672
$500 $1,468
$1,000 $1,274

Full coverage, driver age 40

Rates by Liability Limit

Volvo S90 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,468
50/100 $1,559
100/300 $1,673
250/500 $1,970
100 CSL $1,605
300 CSL $1,856
500 CSL $2,038

Full coverage, driver age 40

Rates for High Risk Drivers

Volvo S90 Insurance Rates for High Risk Drivers
Age Premium
16 $7,918
20 $5,438
30 $3,262
40 $3,196
50 $3,052
60 $3,026

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 $209

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $79
Multi-vehicle $79
Homeowner $22
5-yr Accident Free $109
5-yr Claim Free $96
Paid in Full/EFT $68
Advance Quote $74
Online Quote $105
Total Discounts $632
Rate after discounts $836

Discounts are estimated and may not be available from every company or in every state.

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