Volvo S90 Insurance Rates

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UPDATED: May 29, 2024

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The average auto insurance rates for a Volvo S90 are $1,468 annually for full coverage insurance. Comprehensive costs around $290 a year, collision insurance costs $564, and liability insurance is estimated at $456. Liability-only coverage costs approximately $508 a year, and high-risk coverage costs around $3,196. 16-year-old drivers cost the most to insure at up to $5,546 a year.

Average premium for full coverage: $1,468

Policy rates for type of insurance:

Comprehensive $290
Collision $564
Liability $456

Prices are based on $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 states and S90 trim levels.

Price Range Variability

For a driver around age 40, Volvo S90 insurance rates range from as cheap as $508 for liability-only coverage to a high of $3,196 for a high-risk insurance policy.

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

Urban vs. Rural Price Range

Living in a larger city has a significant impact on car insurance rates. Areas with sparse population are shown to have fewer physical damage claims than congested cities. The diagram below illustrates the difference between rural and urban areas on auto insurance rates.

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

The examples above illustrate why it is important to get quotes for a specific zip code and their own personal driving habits, 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.

Additional Charts and Tables

The chart below illustrates average Volvo S90 insurance rates for additional coverage choices and driver risks.

  • The best full coverage rate is $836
  • Choosing higher $1,000 deductibles can save about $1,274 each year
  • The estimated rate for a good driver age 40 using $500 deductibles is $1,468
  • Buying low $100 deductibles for comp and collision coverage will cost $1,846
  • High-risk insureds with multiple tickets or accidents could pay at least $3,196
  • Policy cost with full coverage for a teen driver can be $5,546 each year

View Chart as Image

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

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

Older drivers with no violations or accidents and high physical damage deductibles could pay as little as $1,400 annually on average, or $117 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they should be prepared to pay as much as $5,500 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are probably paying at least $1,800 to $2,400 additional every year, depending on your age. A high-risk auto insurance policy ranges anywhere from 43% to 137% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can save as much as $580 each year, while buying higher liability limits will increase rates. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $411 more each year. View Rates by Deductible or Liability Limit

Your home state plays a big part in determining prices for Volvo S90 insurance rates. A good driver about age 40 could pay as low as $960 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,980 on average in Michigan, New York, 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
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 Affordable Volvo S90 Insurance

Finding cheaper rates on Volvo S90 insurance takes having a decent driving record, having good credit, being claim-free, and deciding if full coverage is necessary. Set aside time to compare rates at least every other year by quoting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following items are a brief review of the car insurance concepts covered above.

  • High-risk drivers with DUI or reckless driving convictions pay on average $1,730 more every year than a driver with a clean driving record
  • It is possible to save up to $180 per year just by quoting early and online
  • Increasing comprehensive and collision deductibles could save up to $575 each year
  • Drivers who may need additional liability coverage will pay around $500 annually to raise limits from a 30/60 limit to higher 250/500 limits

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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