Volvo S90 Insurance Rates

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UPDATED: May 29, 2024

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Average insurance prices for a Volvo S90 are $1,402 every 12 months for full coverage. Comprehensive costs approximately $278, collision insurance costs $506, and liability insurance costs $460. A policy with just liability insurance costs as little as $510 a year, and coverage for high-risk drivers costs around $3,044. 16-year-old drivers receive the highest rates at up to $5,322 a year.

Average premium for full coverage: $1,402

Rate estimates by individual coverage type:

Comprehensive $278
Collision $506
Liability $460

Full coverage includes $500 deductible amounts, minimum liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all states and for all S90 models.

Price Range by Coverage and Risk

Using a 40-year-old driver as an example, prices range range from the cheapest price of $510 for a discount liability-only rate to the much higher price of $3,044 for high-risk insurance.

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

Price Range by Location

Your location has a significant impact on car insurance rates. Rural locations tend to have more infrequent accident claims than congested cities. The example below illustrates how rural and urban location affects auto insurance prices.

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

These examples show why everyone should compare rates using their specific location and their own driving history, rather than relying on 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 shows average Volvo S90 insurance rates for additional coverage and risk scenarios.

  • The best full coverage rate is $805
  • Drivers who choose higher $1,000 deductibles will pay $178 a year
  • The average price for a 40-year-old driver who chooses $500 deductibles is $1,402
  • Buying pricier low deductibles for comprehensive and collision insurance increases the price to $1,748
  • High risk drivers with multiple tickets or accidents could pay around $3,044
  • The cost to insure a teen driver for full coverage can cost $5,322 a year

View Chart as Image

Volvo S90 insurance cost comparison chart
Column chart showing Volvo S90 insurance rates range from $805 to $5,322 for full coverage

Insurance rates for a Volvo S90 can also vary considerably based on policy deductibles and limits, your driver profile, and the model of your S90.

Opting for high physical damage deductibles could save up to $530 each year, whereas buying more liability protection will push rates upward. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $414 more each year. View Rates by Deductible or Liability Limit

A more mature driver with no violations or accidents and higher deductibles could pay as little as $1,300 per year on average for full coverage. Rates are highest for teen drivers, since even excellent drivers should be prepared to pay in the ballpark of $5,300 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you could be paying anywhere from $1,700 to $2,300 additional per year, depending on your age. Volvo S90 insurance for high-risk drivers can cost anywhere from 43% to 135% more than the average rate. View High Risk Driver Rates

Where you live 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 at least $2,000 on average in New York, Louisiana, and Michigan.

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
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 Shop for More Affordable Volvo S90 Insurance

Saving money on Volvo S90 insurance not only requires having a good driving record, but also having above-average credit, eliminating unneeded coverage, and consideration of higher deductibles. Set aside time to shop around every couple of years by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The next list is a summary of the material that was raised in the charts and tables above.

  • Drivers who purchase increased levels of liability coverage will pay around $510 each year to go from a minimum limit to a 250/500 level
  • Drivers age 20 and younger are the costliest to insure, costing as high as $444 per month if full coverage is included
  • High-risk drivers who have multiple accidents or major violations may pay on average $1,640 more per year to buy Volvo S90 insurance
  • Increasing deductibles could save as much as $525 each year

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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