Volvo S90 Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• It costs more to insure a Volvo S90 than the average car.
• Liability car insurance for a S90 tends to be about $65 a month, while full coverage generally averages around $197 per month.
• At sometimes as cheap as $38 monthly for liability only coverage, NationalGeneral is the most affordable auto insurance company for a S90.

S90 Overview

The Volvo S90 is a high-end car for drivers with extra room in their budgets, with base prices starting at $51,550 for 2021 models. There are five different trim levels currently offered, so you'll drive off the dealership lot in style.

We crunched the numbers on thousands of insurance quotes on Compare.com, and we've determined that, on average, Volvo S90 auto insurance rates run about $171 per month. How do insurance prices for the S90 stack up against other similar cars?

How Much is Car Insurance for a Volvo S90?

Based on the table above, car insurance premiums for a Volvo S90 are higher than average. On average, S90 owners can expect to pay around $65 a month for liability insurance, and about $197 per month for full coverage, which has comprehensive and collision coverages in addition to liability (our guide, "State Minimum vs. Full Coverage", can provide more details on the difference between these types of insurance).

When you compare it to other Volvo models, the S90 is more expensive, with rates more than 10% higher than the rest of the company's vehicle lineup. However, S90 coverage runs close to average when compared to other vehicles of a similar body style, with full coverage insurance premiums coming in at $20 higher than other cars and liability insurance prices at $18 cheaper.

When compared to all vehicles of any body type, the S90 is more expensive for full coverage auto insurance, but liability only rates are cheaper.

Who has the Cheapest Car Insurance for a Volvo S90?

If you're searching for a new car insurance policy for your Volvo S90, you may want to know which carrier offers the lowest premiums. While costs will typically be pretty different from person to person, the lowest average rates for liability only coverage are sometimes just $38 per month from NationalGeneral. The next cheapest company is Commonwealth Casualty, who offers car insurance as cheap as just $41 monthly.

Finishing off the rest of the top 5 are Amica, Elephant, and DirectGeneral. That being said, just because these five carriers offer the lowest average rates doesn't necessarily mean they'll be the cheapest companies for you and your unique insurance profile.

Auto insurance carriers take a wide array of variables into consideration when calculating monthly premiums. By reviewing quotes from many insurance companies at once, you can guarantee you're finding the lowest rate.

What Factors Affect Car Insurance Rates for a Volvo S90?

As we mentioned above, there are numerous factors that auto insurance carriers take a look at to decide how much they charge -- and each carrier weighs certain factors more than others, so there's not a singular company that's the cheapest for everyone.

Keep reading to learn which things insurance companies look at and how they affect your final rate:

Vehicle Age

Volvo has been making the S90 for quite some time, so the car's age may play a big role in how much you'll pay for car insurance. Generally, newer cars are going to cost more to insure because they're worth more, however, as time goes on and S90s begin to depreciate, insurance costs will gradually go down.

According to the table above, the Volvo S90 does not follow this trend, as the most expensive models to insure are those that are 15 years old or more, while the cheapest S90s are 1 year old or less, on average.

Your Age

Age is another factor that makes a difference in how much you pay for insurance. Based on the information in the table above, drivers under 24 pay less for auto insurance than drivers with more experience.

Insurance prices continue to get lower as you get older, with the cheapest age group being 55-64 for S90 drivers.

Your Gender

Did you know women tend to pay less for car insurance than men? This is because men are more likely to get tickets and get into accidents, which raises the chances of an insurance claim. Surprisingly, when it comes to S90 drivers specifically, men pay around 6% less than women each month for insurance.

Where You Live

You may already know that factors like what vehicle you drive and how old you are play a role in your car insurance prices, but you may not realize that where you live is equally important. Since auto insurance is regulated on the state level rather than nationally, premiums can vary quite a bit depending on what state you live in.

For example, the average Volvo S90 driver in New York pays about $110 a month for liability coverage. Meanwhile, the same owner in California will pay less than half of that price, on average.

Volvo S90 Car Insurance Discounts

Regardless of your age, your car, or your home state, it's always a smart move to take advantage of as many car insurance discounts as possible when shopping around for a new policy.

Not every insurance carrier will offer the same discounts, but there are a few that are relatively universal. These include things like:

• Vehicle safety discounts for having a vehicle with higher than average safety ratings or one with certain safety features (like anti-lock brakes or air bags)
• Defensive driving discounts for drivers who take a defensive driving class from a certified school or institution
• Multi-policy discounts for bundling your home and auto policies with the same insurance company
• Pay-in-full discounts for drivers who agree to pay their entire policy rate at once, rather than by monthly payments

There are all sorts of other discounts out there for saving money on your auto insurance. Some of the best ways to save are just by having a good driving history and positive insurance profile.

Even though you can't control every variable car insurance carriers consider to calculate prices (like some of the ones mentioned above), there are quite a few that you can influence. Below are just a few of the ones you can use to your favor in order to save money on auto insurance:

Your Driving Record

You've no doubt observed ads from insurance companies offering big discounts for good drivers. It should be no surprise that your car insurance rates will go up if you get cited for speeding or get into an accident. But you're probably wondering exactly how much these infractions can cost you.

You can see from the table above that accidents will usually cost S90 drivers more than tickets, but both will result in a raise in rates. Volvo S90 drivers with a single ticket will pay about $51 per month, while drivers with one accident on their record pay an average of $69 per month (up $4 from the $65/mo. overall average). Drivers with multiple violations of either kind will end up paying even more.

How Much You Drive

Another factor that affects your insurance premiums is the total amount of miles you drive annually. Those who drive less often are more likely to go accident-free, so they'll normally end up paying less for auto insurance.

But if you happen to be one of those drivers who put very few miles on your Volvo S90 each year, it may be worth reviewing pay-per-mile or usage-based insurance. With these plans, you pay a small base rate each month, with your final monthly bill being calculated based on how many miles you drove.

How Do Volvo S90s Compare to Other Vehicles?

If you're thinking about making a Volvo S90 your next car, it can pay off to do your research. Car insurance is just one cost that comes with a new car purchase, but it's definitely one that's worth considering.

Review the table below to see how the Volvo S90 stacks up:

Overall, the Volvo S90 has an MSRP that's in line with the going rate for a new vehicle. The S90 comes in at $51,550, similar to the national average vehicle MSRP of $46,296.

Liability insurance for a Volvo S90 is, while full coverage is over $50 more a month.

However, it is worth noting that the S90 drivers tend to use their cars less than the average American driver, with only 10,216 annual miles for the average owner.

Volvo S90 Car Insurance Costs by Model Year

So far, you've seen how different variables affect how much the average driver pays to insure a Volvo S90. If you're in the market for a new car, truck, or SUV and the S90 is on your wishlist, knowing what you'll likely pay can be helpful as you consider your choices.

2020 Volvo S90 Car Insurance

On average, drivers who own a 2020 Volvo S90 can expect to pay $30 to $223 monthly for liability only and full coverage auto insurance, respectively.

With premiums as little as $25 per month, DirectGeneral offered the most affordable policy we found for the 2020 Volvo S90.

If you want to know just how much your price will be, get free quotes in minutes by just entering your ZIP code below.

2019 Volvo S90 Car Insurance

The average cost to insure a 2019 S90 with liability only coverage is $110 monthly, while full coverage runs around $185 a month.

PlymouthRockNJ offered the lowest policy we found, with rates as low as $110 monthly.

Interested in just how much you'll pay? All you need to do is enter your ZIP code below and you'll be on your way to comparing a variety of personalized quotes from the nation's top insurance carriers.

2018 Volvo S90 Car Insurance

You can expect full coverage for a 2018 Volvo S90 to run about $188 per month, while liability only coverage will average around $64 a month.

If you're looking for the lowest possible 2018 Volvo S90 insurance policy, SafeAuto offered the cheapest policy we found, with rates as little as just $34 per month.

If you want to find the best rates for car insurance for a 2018 Volvo S90, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

2017 Volvo S90 Car Insurance

2017 S90 drivers can expect to pay an average of $63 monthly for liability or $219 for full coverage.

SafeAuto has premiums sometimes as low as $35 a month for the 2017 Volvo S90.

What will your insurance premium be? Enter your ZIP code below to get lots of personalized quotes for free.

Volvo S90 Insurance FAQs

Is a Volvo S90 expensive to insure?

It costs more to insure a Volvo S90 when compared to the average vehicle. Liability insurance runs an average of $65 per month, while full coverage will cost you around $197.

How can I get the best price on car insurance for my Volvo S90?

There's only one way to confirm you're getting the lowest rates -- checking prices regularly and comparing quotes from an array of companies. Over time, your driver profile changes, so it's a good rule of thumb to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare prices from a lot of carriers at once, meaning you can find the most affordable rates (or guarantee you already have the best deal) for free.

Does the color of my Volvo S90 affect my insurance rates?

Have you heard the old adage that it costs more to insure a red car before? Well, that's just a myth. Although there are multiple things auto insurance companies think about when they calculate your premiums, the color of your S90 is not on that list.

Do I need to have insurance before I buy a Volvo S90?

Before you can legally drive your new (or new to you) car off the dealership lot, you'll need to have valid car insurance for it. As part of the buying process, some dealerships may offer you an auto insurance policy, but your best bet is letting your auto insurance company know ahead of time.

What car insurance discounts can I get for my Volvo S90?

There are all sorts of discounts out there when it comes to insurance. Many of them (like "pay-in-full discounts" and "multi-vehicle discounts") are more based on you than the vehicle you drive, but if your S90 has safety features like anti-theft systems, anti-lock brakes, airbags, and other features, it may qualify for certain discounts. The only way to find out is to contact your insurance carrier and ask about their list of discounts, since they differ quite a bit from carrier to carrier.