Volvo S90 Insurance Rates
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Michelle Robbins
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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:
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.
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.
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
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.
| 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% |
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.
| 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
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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