Volvo S90 Insurance Rates
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UPDATED: May 29, 2024
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U.S. average auto insurance rates for a Volvo S90 are $1,510 annually for full coverage. Comprehensive insurance costs approximately $302, collision insurance costs $598, and liability coverage costs around $452. A policy with just liability insurance costs as low as $504 a year, and coverage for high-risk drivers costs $3,292 or more. Teen drivers pay the highest rates at up to $5,678 a year.
Average premium for full coverage: $1,510
Price estimates by individual coverage:
Estimates include $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all states and for all S90 models.
Price Range from Low to High
For a 40-year-old driver, Volvo S90 insurance prices range from as cheap as $504 for just liability insurance to the much higher price of $3,292 for a driver who has had serious violations or accidents.
Geographic Price Range
Where you live has a large influence on car insurance rates. Rural locations have fewer accident claims than larger metro areas. The example below illustrates how your location can change auto insurance prices.
The ranges above show why everyone should compare prices using their specific location and their own personal driving habits, rather than using price 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.
More Rate Details
The chart below shows average Volvo S90 insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $858
- Using higher $1,000 deductibles will save $204 a year
- The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,510
- Choosing pricier low deductibles for physical damage coverage costs an additional $400 each year
- Higher-risk drivers with multiple violations and an at-fault accident could pay around $3,292
- The price with full coverage for a teenage driver for full coverage can cost $5,678 or more
Insurance prices for a Volvo S90 are also quite variable based on the trim level and model year, your driver profile, and physical damage deductibles and liability limits.
A more mature driver with a clean driving record and high physical damage deductibles may only pay around $1,400 a year for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they can expect to pay in the ballpark of $5,600 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you could be paying anywhere from $1,800 to $2,500 extra each year, depending on your age. Volvo S90 insurance for high-risk drivers can be around 44% to 133% more than average. View High Risk Driver Rates
Choosing high deductibles could cut prices by as much as $610 a year, whereas buying more liability protection will push prices upward. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $407 more per year. View Rates by Deductible or Liability Limit
The state you live in has a huge impact on Volvo S90 insurance rates. A driver around age 40 might see prices as low as $1,000 a year in states like Iowa, Maine, and Idaho, or as much as $2,160 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,366 | -$144 | -9.5% |
| Alaska | $1,158 | -$352 | -23.3% |
| Arizona | $1,252 | -$258 | -17.1% |
| Arkansas | $1,510 | -$0 | 0.0% |
| California | $1,720 | $210 | 13.9% |
| Colorado | $1,442 | -$68 | -4.5% |
| Connecticut | $1,554 | $44 | 2.9% |
| Delaware | $1,710 | $200 | 13.2% |
| Florida | $1,890 | $380 | 25.2% |
| Georgia | $1,394 | -$116 | -7.7% |
| Hawaii | $1,086 | -$424 | -28.1% |
| Idaho | $1,022 | -$488 | -32.3% |
| Illinois | $1,126 | -$384 | -25.4% |
| Indiana | $1,138 | -$372 | -24.6% |
| Iowa | $1,018 | -$492 | -32.6% |
| Kansas | $1,436 | -$74 | -4.9% |
| Kentucky | $2,060 | $550 | 36.4% |
| Louisiana | $2,236 | $726 | 48.1% |
| Maine | $932 | -$578 | -38.3% |
| Maryland | $1,246 | -$264 | -17.5% |
| Massachusetts | $1,208 | -$302 | -20.0% |
| Michigan | $2,626 | $1,116 | 73.9% |
| Minnesota | $1,266 | -$244 | -16.2% |
| Mississippi | $1,810 | $300 | 19.9% |
| Missouri | $1,340 | -$170 | -11.3% |
| Montana | $1,622 | $112 | 7.4% |
| Nebraska | $1,192 | -$318 | -21.1% |
| Nevada | $1,812 | $302 | 20.0% |
| New Hampshire | $1,090 | -$420 | -27.8% |
| New Jersey | $1,688 | $178 | 11.8% |
| New Mexico | $1,338 | -$172 | -11.4% |
| New York | $1,590 | $80 | 5.3% |
| North Carolina | $870 | -$640 | -42.4% |
| North Dakota | $1,238 | -$272 | -18.0% |
| Ohio | $1,044 | -$466 | -30.9% |
| Oklahoma | $1,550 | $40 | 2.6% |
| Oregon | $1,384 | -$126 | -8.3% |
| Pennsylvania | $1,440 | -$70 | -4.6% |
| Rhode Island | $2,016 | $506 | 33.5% |
| South Carolina | $1,368 | -$142 | -9.4% |
| South Dakota | $1,276 | -$234 | -15.5% |
| Tennessee | $1,322 | -$188 | -12.5% |
| Texas | $1,822 | $312 | 20.7% |
| Utah | $1,118 | -$392 | -26.0% |
| Vermont | $1,034 | -$476 | -31.5% |
| Virginia | $904 | -$606 | -40.1% |
| Washington | $1,168 | -$342 | -22.6% |
| West Virginia | $1,384 | -$126 | -8.3% |
| Wisconsin | $1,046 | -$464 | -30.7% |
| Wyoming | $1,348 | -$162 | -10.7% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Volvo S90 | $390 | $750 | $372 | $1,670 |
| 2023 Volvo S90 | $372 | $720 | $390 | $1,640 |
| 2022 Volvo S90 | $356 | $714 | $398 | $1,626 |
| 2021 Volvo S90 | $344 | $698 | $416 | $1,616 |
| 2020 Volvo S90 | $332 | $668 | $430 | $1,588 |
| 2019 Volvo S90 | $314 | $646 | $442 | $1,560 |
| 2018 Volvo S90 | $302 | $598 | $452 | $1,510 |
| 2017 Volvo S90 | $290 | $564 | $456 | $1,468 |
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 Low Cost Volvo S90 Insurance
Getting lower rates on auto insurance requires being a safe and courteous driver, having a good credit history, eliminating unnecessary coverage, and possibly raising deductibles. Invest the time to shop around every other policy renewal by requesting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from several local insurance agents.
Below is a review of the ideas that were illustrated above.
- Teenage drivers are expensive to insure, with premiums as much as $473 a month including comprehensive and collision insurance
- Drivers who have several accidents or serious violations pay on average $1,780 more per year for auto insurance
- Increasing physical damage deductibles could save up to $600 each year
- Drivers can save around $180 per year just by quoting online well ahead of the renewal date
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,678 |
| 20 | $3,512 |
| 30 | $1,574 |
| 40 | $1,510 |
| 50 | $1,382 |
| 60 | $1,356 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,910 |
| $250 | $1,724 |
| $500 | $1,510 |
| $1,000 | $1,306 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,510 |
| 50/100 | $1,600 |
| 100/300 | $1,713 |
| 250/500 | $2,007 |
| 100 CSL | $1,646 |
| 300 CSL | $1,894 |
| 500 CSL | $2,075 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,118 |
| 20 | $5,602 |
| 30 | $3,362 |
| 40 | $3,292 |
| 50 | $3,144 |
| 60 | $3,118 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $81 |
| Multi-vehicle | $81 |
| Homeowner | $23 |
| 5-yr Accident Free | $114 |
| 5-yr Claim Free | $99 |
| Paid in Full/EFT | $70 |
| Advance Quote | $76 |
| Online Quote | $108 |
| Total Discounts | $652 |
Discounts are estimated and may not be available from every company or in every state.
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