Volvo S90 Insurance Rates

The average insurance rates for a Volvo S90 are $1,402 a year for full coverage. Comprehensive costs an estimated $278, collision insurance costs $506, and liability costs around $460. Buying just liability costs as low as $510 a year, and insurance for high-risk drivers costs around $3,044. Teenage drivers cost the most to insure at up to $5,322 a year.

Average premium for full coverage: $1,402

Policy rates broken down by type of insurance:

Price estimates include $500 deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all states and for different S90 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on insurance rates. More rural locations are shown to have a lower frequency of accident claims than densely populated cities. The price range example below illustrates how where you live affects insurance prices.

The examples above show why anyone shopping for car insurance should compare prices for a targeted area and risk profile, instead of using average rates.

Use the form below to get customized rates for your location.

More Rate Information

The chart below shows average Volvo S90 insurance rates for other coverage scenarios.

• The best discount rate is $805
• Using higher $1,000 deductibles will save approximately $178 a year
• The average rate for a good driver age 40 who has $500 deductibles is $1,402
• Using more expensive low deductibles for physical damage coverage will increase the cost to $1,748
• Drivers who are prone to accidents and violations could pay up to $3,044
• Policy cost for full coverage for a teen driver with full coverage can cost as much as $5,322 or more

View Chart as Image

Insurance rates for a Volvo S90 also range considerably based on your risk profile, the trim level of your S90, and liability limits and deductibles.

An older driver with a clean driving record and high deductibles may pay as little as $1,300 a year, or $108 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay at least $5,300 a year. View Rates by Age

Your home state has a huge impact on Volvo S90 insurance prices. A driver around age 40 might see rates 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.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $530 every year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $414 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying $1,700 to $2,300 extra every year, depending on your age. High-risk driver insurance can be as much as 43% to 135% more than a normal policy. View High Risk Driver Rates

How to Find Cheaper Volvo S90 Insurance

Finding cheaper rates on car insurance requires not taking risks behind the wheel, maintaining good credit, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Take the time to comparison shop once a year by getting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The following is a condensed summary of the data that was touched on in the above illustrations.

• Drivers can save approximately $170 per year just by shopping early and online
• Policyholders who want higher liability limits will pay an extra $510 each year to increase from a 30/60 limit to 250/500 limits
• Teens are charged the highest rates, costing up to $444 each month for full coverage
• Higher risk drivers with multiple at-fault accidents pay an average of $1,640 more annually for S90 insurance