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 with full coverage. Comprehensive costs on average $290, collision insurance costs $564, and liability costs around $456. Liability-only insurance costs as low as $508 a year, and high-risk driver insurance costs around $3,196. Teenage drivers cost the most to insure at up to $5,546 a year.

Average premium for full coverage: $1,468

Policy rates by type of insurance:

Comprehensive $290
Collision $564
Liability $456

Price estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all U.S. states and for different S90 trim levels.

Price Range Variability

For the average 40-year-old driver, Volvo S90 insurance rates range from as cheap as $508 for liability-only coverage to a much higher rate 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

Where you live can have significant affects on auto insurance rates. Rural areas are shown to have fewer collision claims than densely populated cities. The price range example below illustrates the difference location can make on car insurance rates.

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

The examples above demonstrate why anyone shopping for car insurance should compare prices based on a specific location and their own personal driving habits, instead of using average rates.

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 details average Volvo S90 insurance rates for different risk profiles and scenarios.

  • The best discount rate is $836
  • Using higher $1,000 deductibles will save around $194 annually
  • The estimated rate for a good driver age 40 with $500 deductibles is $1,468
  • Using more expensive low deductibles for physical damage coverage will cost $1,846
  • Drivers who are prone to accidents and violations could pay upwards of $3,196
  • Policy cost with full coverage for a teen driver with full coverage may cost $5,546 or more

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

Auto insurance rates for a Volvo S90 also range considerably based on the model year and trim level, your driving record, and policy deductibles and limits.

An older driver with a good driving record and high physical damage deductibles may pay as little as $1,400 a year, or $117 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will have to pay upwards of $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 may be forking out at a minimum $1,800 to $2,400 in extra premium every year, depending on your age. High-risk driver insurance can be as much as 43% to 137% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut rates by as much as $580 every year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $411 extra every year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Volvo S90 insurance prices. A driver around age 40 might see rates as low as $1,060 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,980 on average in Florida, Michigan, and New York.

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 Cheaper Volvo S90 Insurance

Finding cheaper rates on car insurance requires having a decent driving record, having above-average credit, not filing small claims, and deciding if full coverage is necessary. Make time to compare rates at least every other year by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The following items are a condensed summary of the car insurance concepts touched on in this article.

  • Higher risk drivers with multiple at-fault accidents pay an average of $1,730 more each year than a driver with a clean driving record
  • You may be able to save as much as $180 per year just by shopping early and online
  • Increasing comprehensive and collision deductibles could save up to $575 each year
  • Policyholders who require additional liability coverage will pay an extra $500 every year to increase 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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