Volvo S90 Insurance Rates

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UPDATED: May 29, 2024

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Estimated insurance rates for a Volvo S90 are $1,402 a year with full coverage. Comprehensive costs an estimated $278 each year, collision costs $506, and liability coverage costs around $460. Liability-only coverage costs as low as $510 a year, with high-risk coverage costing around $3,044. 16-year-old drivers pay the most at $5,322 a year or more.

Average premium for full coverage: $1,402

Premium estimates broken down by type of coverage:

Comprehensive $278
Collision $506
Liability $460

Includes $500 policy deductibles, 30/60 liability coverage, and includes UM/UIM and medical coverage. Rates include averaging for all U.S. states and S90 models.

Insurance Price Range by Risk and Coverage

For the average 40-year-old driver, insurance rates for a Volvo S90 go from as low as $510 for a discount liability-only rate to a high rate of $3,044 for a policy for a high-risk driver.

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

Insurance Price Range by Location

Where you live has a large influence on car insurance rates. More rural locations are statistically proven to have a lower frequency of collision claims than congested cities.

The graphic below illustrates the difference location can make on insurance prices.

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

These rate differences demonstrate why all drivers should compare prices for a targeted area and risk profile, rather than 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.

Rates by State, City, and Model

The chart below details estimated Volvo S90 insurance rates for other coverage scenarios.

  • The best full coverage rate is $805
  • Using higher $1,000 deductibles will save approximately $178 annually
  • The average rate for a 40-year-old good driver who has $500 deductibles is $1,402
  • Buying low deductibles for physical damage coverage will increase the cost to $1,748
  • Higher-risk drivers with multiple tickets or accidents could pay up to $3,044 or more
  • An auto insurance policy for full coverage for a teenage driver can cost as much as $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 your driving characteristics, the trim level and model year, and liability limits and deductibles.

More mature drivers with a clean driving record and high deductibles may only pay around $1,300 a year, or $108 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers can expect to pay at least $5,300 a year. View Rates by Age

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 $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.

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

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

If you have a few violations or tend to cause accidents, you may be forking out $1,700 to $2,300 extra annually, depending on your age. Insurance for high-risk drivers can be around 43% to 135% more than the average rate. View High Risk Driver Rates

With such a large range in prices, the best way to find out which insurance company is cheapest is to do a rate comparison and see how they stack up. Each insurance company utilizes a different rate formula, so the prices will be substantially different from one company to the next.

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 Find the Cheapest Volvo S90 Insurance

Finding better rates on auto insurance requires avoiding accidents and claims, maintaining good credit, being claim-free, and taking advantage of discounts. Make time to compare rates every year by requesting rates from direct companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The points below are a recap of the coverage data touched on in this article.

  • You may be able to save approximately $170 per year simply by quoting online in advance
  • Increasing policy deductibles can save around $525 each year
  • Drivers under the age of 20 are charged the highest prices, possibly costing $444 per month for full coverage
  • Drivers that have major violations or accidents may pay on average $1,640 more annually to insure a Volvo S90

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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