Volvo S90 Insurance Rates

The average insurance prices for a Volvo S90 are $1,468 every 12 months for full coverage. Comprehensive insurance costs an estimated $290 each year, collision insurance costs $564, and liability is $456. Liability-only coverage costs around $508 a year, and high-risk coverage costs $3,196 or more. Teens cost the most to insure at up to $5,546 a year.

Average premium for full coverage: $1,468

Policy rates broken down by type of insurance:

These estimates include $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all states and S90 models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on insurance rates. More rural locations are shown to have more infrequent accident claims than cities with more traffic congestion. The graphic below illustrates how rural and urban location affects insurance prices.

The examples above show why all drivers should compare rates quotes for a targeted area and their own driving history, instead of making a decision based on averaged prices.

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

Additional Rate Information

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

• The cheapest rate after discounts is $836
• Raising to $1,000 deductibles will save approximately $194 a year
• The average price for a good driver age 40 who has $500 deductibles is $1,468
• Selecting low deductibles costs an extra $378 annually
• Drivers with serious driving violations could pay up to $3,196
• Policy cost to insure a 16-year-old driver can cost as much as $5,546

View Chart as Image

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

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $580 annually, whereas increasing liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $411 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles may pay as low as $1,400 every 12 months on average, or $117 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay at least $5,500 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying $1,800 to $2,400 additional every year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 43% to 137% more than the average policy. View High Risk Driver Rates

Your home state also has a big influence on Volvo S90 insurance prices. A middle-age driver might find rates as low as $970 a year in states like Iowa, Maine, and Idaho, or have to pay at least $2,100 on average in New York, Louisiana, and Michigan.

View Chart as Image

How to Shop for Cheap Volvo S90 Insurance

Finding cheaper rates on insurance for a Volvo S90 consists of being a low-risk driver, having above-average credit, avoid buying unnecessary coverage, and possibly raising deductibles. Set aside time to shop around at every other renewal by getting quotes from direct carriers, and also from several local insurance agents.

The items below are a brief summary of the concepts that were raised in the charts and tables above.

• Drivers considered higher risk that tend to have accidents or serious violations pay on average $1,730 more annually to insure their S90
• Teen drivers are expensive to insure, costing up to $462 each month if full coverage is included
• Drivers can save approximately $180 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles could save as much as $575 each year
• Drivers can save approximately $180 per year just by quoting online in advance