Volvo S90 Car Insurance Cost
To insure a Volvo S90, it typically costs about $2,993 per year through Nationwide. However, this expense can vary based on factors such as age, the model year of the car, and other individual considerations. You can explore our quote tables below to get a more accurate estimate tailored to your specific circumstances.
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Insuring a 2025 Volvo S90 typically costs around $2,993 per year, or approximately $249 per month, for a 40-year-old driver with a clean record and full coverage .
This rate is competitive compared to other luxury sedans, thanks to the S90’s advanced safety features and solid reliability.
However, premiums can vary based on factors like age, driving history, location, and chosen coverage levels. For instance, younger drivers or those with traffic violations may face higher rates, while drivers with low annual mileage might benefit from lower premiums. To find the most affordable option, it’s advisable to compare quotes from multiple insurance providers.
How Much Does Volvo S90 Car Insurance Cost?
Typically, Nationwide provides the best deal with an average yearly rate of $2,993 for comprehensive insurance coverage on a 2024 Volvo S90.
Car insurance rates can differ widely depending on several key factors. Your location, driving history, vehicle model year, and the level of coverage you choose all influence how much you’ll pay.
If you maintain a clean driving record, you’ll likely enjoy lower premiums, whereas drivers with accidents or violations on their record often face steeper costs. Living in a densely populated city with frequent traffic can also increase your rates, especially compared to quieter rural areas.
Choosing full coverage—such as a comprehensive and collision policy—will cost more than basic liability insurance. As reflected in the table below, insuring a Volvo S90 is typically more expensive than the average across all Volvo models, and also higher than the average insurance cost for all vehicles. With Insuranceopedia, you can easily compare quotes from multiple providers to help you secure the most cost-effective policy for your needs.
| Vehicle | Average Monthly Premium |
| Volvo S90 | $198 |
| All Volvos | $150 |
| All Cars | $175 |
Average Insurance Cost Of Volvo S90 Model Year
| Model Year | Average Premium |
| 2025 Volvo S90 | $2,685 |
| 2024 Volvo S90 | $1,714 |
| 2023 Volvo S90 | $2,587 |
| 2022 Volvo S90 | $3,409 |
| 2021 Volvo S90 | $2,585 |
| 2020 Volvo S90 | $1,573 |
| 2019 Volvo S90 | $1,929 |
| 2018 Volvo S90 | $863 |
| 2017 Volvo S90 | $1,243 |
2025 Volvo S90 Insurance Rates
The average annual insurance cost for a 2025 Volvo S90 is $2,685. However, Mercury offers the cheapest rates, averaging $1,443 per year.
| Insurance Provider | Average Annual Cost |
| Nationwide | $3,034 |
| GEICO | $2,703 |
| Progressive | $3,437 |
| State Farm | $2,174 |
| Farmers | $2,994 |
| Allstate | $6,177 |
| Erie | $1,614 |
| Mercury | $1,443 |
| American Family | $1,532 |
| USAA | $1,744 |
2024 Volvo S90 Insurance Rates
The average annual insurance cost for a 2024 Volvo S90 is $1,799. However, Nationwide offers the cheapest rates, averaging $1,714 per year.
| Insurance Provider | Average Annual Cost |
| Erie | $1,848 |
| USAA | $1,752 |
| State Farm | $1,877 |
| GEICO | $1,803 |
| Nationwide | $1,714 |
2023 Volvo S90 Insurance Rates
The average annual insurance cost for a 2023 Volvo S90 is $2,587. However, Safeco offers the cheapest rates, averaging $2,538 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $2,538 |
| Liberty Mutual | $2,636 |
2022 Volvo S90 Insurance Rates
The average annual insurance cost for a 2022 Volvo S90 is $3,409. However, Nationwide offers the cheapest rates, averaging $2,498 per year.
| Insurance Provider | Average Annual Cost |
| Erie | $2,529 |
| Esurance | $4,620 |
| USAA | $3,674 |
| National General RAD | $3,431 |
| Hanover | $2,069 |
| Liberty Mutual | $3,435 |
| Nationwide | $2,498 |
| State Farm | $3,786 |
| Allstate | $4,507 |
| Travelers | $3,540 |
Find Affordable Volvo S90 Car Insurance
2021 Volvo S90 Insurance Rates
The average annual insurance cost for a 2021 Volvo S90 is $2,585. However, State Farm offers the cheapest rates, averaging $1,512 per year.
| Insurance Provider | Average Annual Cost |
| Victoria | $1,635 |
| Direct General Insurance | $4,328 |
| Metropolitan | $3,238 |
| Allied | $2,355 |
| Nationwide | $346 |
| Mercury | $2,114 |
| State Farm | $1,512 |
| Allstate | $3,527 |
| United Automobile Ins Group | $4,153 |
| Home State Ins Group | $2,646 |
2020 Volvo S90 Insurance Rates
The average annual insurance cost for a 2020 Volvo S90 is $1,573. However, American National P offers the cheapest rates, averaging $523 per year.
| Insurance Provider | Average Annual Cost |
| USAA | $1,253 |
| Direct General Insurance | $2,327 |
| Southern Farm Bureau | $1,705 |
| Auto-Owners Insurance Co | $1,481 |
| American National P | $523 |
| State Farm | $1,446 |
| Nationwide | $1,111 |
| Allied | $2,042 |
| Mercury | $2,262 |
| Mercury Insurance | $1,577 |
2019 Volvo S90 Insurance Rates
The average annual insurance cost for a 2019 Volvo S90 is $1,929. However, USAA offers the cheapest rates, averaging $1,529 per year.
| Insurance Provider | Average Annual Cost |
| Nationwide | $1,774 |
| Country | $2,311 |
| Central Mutual Insurance Co | $1,917 |
| Farm Bureau Mutual (IA Group) | $1,804 |
| USAA | $1,529 |
| ACCC Insurance Company | $1,800 |
| Travelers | $1,627 |
| Esurance | $2,257 |
| State Farm | $2,360 |
| Auto-Owners Insurance Co | $1,912 |
2018 Volvo S90 Insurance Rates
The average annual insurance cost for a 2018 Volvo S90 is $863. However, Texas Farm Bureau Group offers the cheapest rates, averaging $455 per year.
| Insurance Provider | Average Annual Cost |
| American National P | $558 |
| MO Farm Bureau Services | $1,508 |
| Virginia Farm Bureau | $1,059 |
| Direct Auto | $635 |
| Texas Farm Bureau Group | $455 |
| Mercury Insurance | $660 |
| Kemper Auto | Infinity | $499 |
| Chubb | $1,064 |
| GMAC Insurance Group | $1,191 |
| North Carolina Farm Bureau | $1,005 |
2017 Volvo S90 Insurance Rates
The average annual insurance cost for a 2017 Volvo S90 is $1,243. However, Liberty Mutual offers the cheapest rates, averaging $543 per year.
| Insurance Provider | Average Annual Cost |
| Buckeye Insurance Group | $1,115 |
| Erie | $1,568 |
| Mercury | $1,492 |
| Unitrin | $1,293 |
| Liberty Mutual | $543 |
| Pekin Insurance | $1,304 |
| American National P | $578 |
| Nationwide | $1,516 |
| Travelers | $1,609 |
| Dairyland | $1,408 |
Find Affordable Volvo S90 Car Insurance
Are Volvo S90s Expensive To Insure?
Insuring a Volvo S90 tends to be more expensive than covering many other vehicles. On average, annual premiums for a Volvo S90 are around $3,388, or approximately $282 per month, which is higher than the national average for car insurance premiums . This elevated cost is attributed to factors such as the S90’s luxury status, advanced technology, and higher repair expenses. However, actual insurance rates can vary significantly based on individual factors like driving history, location, and chosen coverage levels. To ensure you obtain the most competitive rate, it’s advisable to compare quotes from multiple insurance providers and explore available discounts.
Find Affordable Volvo S60 Car Insurance Rates
Cost of Volvo S90 Car Insurance By Age
Age is a major factor in how insurers calculate premiums for any vehicle, including the Volvo S90. Younger drivers, especially teens, tend to pay the most for coverage because they’re statistically more likely to be involved in accidents. As drivers gain more experience and reach middle age, insurance companies generally view them as lower-risk, resulting in reduced premium costs.
| Drive Age | Good Driver | Recent Accident | Poor Credit |
| 17 | $9,913 | $14,585 | $17,044 |
| 18 | $9,250 | $13,572 | $15,870 |
| 19 | $8,156 | $11,997 | $14,034 |
| 20 | $7,126 | $10,418 | $12,237 |
| 21 | $5,947 | $8,727 | $10,258 |
| 22 | $5,796 | $8,552 | $9,955 |
| 23 | $5,066 | $7,463 | $8,732 |
| 24 | $4,846 | $7,135 | $8,291 |
| 25 | $4,186 | $6,147 | $7,197 |
| 30 | $3,249 | $4,741 | $5,604 |
| 35 | $3,023 | $4,473 | $5,221 |
| 40 | $2,921 | $4,313 | $5,027 |
| 45 | $2,871 | $4,181 | $4,880 |
| 55 | $2,619 | $3,849 | $4,478 |
| 65 | $2,766 | $3,982 | $4,664 |
| 75 | $3,405 | $5,053 | $5,894 |
Volvo S90 Car Insurance Rates By State
Where you live plays a significant role in how insurance companies calculate rates. Each state regulates its own auto insurance; for example, Michigan drivers tend to pay higher premiums because the state mandates higher levels of coverage. Additionally, each location has a unique climate. Some states experience extreme weather, such as hurricanes, storms, and flooding.
Moreover, each area has its own statistics on crime and auto accidents, including car thefts, crashes, and vehicle fatality rates. Insurance companies consider all of these factors when calculating your exact Volvo S90 insurance rate.
| State | Good Driver | Recent Accident | Poor Credit |
| Alabama | $3,084 | $4,476 | $5,749 |
| Alaska | $2,572 | $3,556 | $3,431 |
| Arizona | $2,890 | $4,177 | $6,153 |
| Arkansas | $3,188 | $4,998 | $5,529 |
| California | $3,567 | $6,225 | $3,546 |
| Colorado | $3,263 | $4,651 | $5,849 |
| Connecticut | $4,223 | $6,530 | $8,294 |
| Delaware | $3,511 | $4,631 | $5,977 |
| Florida | $4,172 | $5,768 | $7,501 |
| Georgia | $3,368 | $5,069 | $5,151 |
| Hawaii | $1,348 | $1,861 | $1,357 |
| Idaho | $2,343 | $3,111 | $3,788 |
| Illinois | $2,454 | $3,727 | $4,227 |
| Indiana | $2,538 | $3,905 | $4,329 |
| Iowa | $2,043 | $2,753 | $3,238 |
| Kansas | $2,692 | $3,901 | $4,516 |
| Kentucky | $3,864 | $5,663 | $6,667 |
| Louisiana | $4,958 | $7,472 | $8,108 |
| Maine | $1,883 | $2,572 | $3,852 |
| Maryland | $3,063 | $4,375 | $4,895 |
| Massachusetts | $2,453 | $4,249 | $2,417 |
| Michigan | $5,846 | $8,950 | $14,065 |
| Minnesota | $2,367 | $3,183 | $4,536 |
| Mississippi | $2,902 | $4,145 | $4,165 |
| Missouri | $2,730 | $3,919 | $5,146 |
| Montana | $2,802 | $3,898 | $4,534 |
| Nebraska | $2,341 | $3,467 | $3,786 |
| Nevada | $3,884 | $5,742 | $6,093 |
| New Hampshire | $2,712 | $4,244 | $5,389 |
| New Jersey | $2,995 | $4,649 | $6,118 |
| New Mexico | $3,033 | $4,538 | $4,681 |
| New York | $2,798 | $3,524 | $5,899 |
| North Carolina | $1,768 | $2,990 | $2,148 |
| North Dakota | $2,392 | $3,676 | $4,315 |
| Ohio | $2,145 | $3,278 | $3,379 |
| Oklahoma | $3,447 | $4,898 | $5,528 |
| Oregon | $3,105 | $4,149 | $4,968 |
| Pennsylvania | $2,613 | $3,848 | $4,453 |
| Rhode Island | $4,369 | $6,409 | $7,188 |
| South Carolina | $2,945 | $4,111 | $5,654 |
| South Dakota | $2,628 | $3,821 | $4,426 |
| Tennessee | $3,123 | $4,607 | $6,128 |
| Texas | $3,131 | $4,566 | $5,674 |
| Utah | $2,686 | $3,745 | $5,125 |
| Vermont | $2,095 | $3,182 | $3,345 |
| Virginia | $1,937 | $2,987 | $2,945 |
| Washington | $2,545 | $3,509 | $4,146 |
| West Virginia | $2,586 | $3,668 | $4,659 |
| Wisconsin | $2,560 | $4,048 | $4,569 |
| Wyoming | $2,404 | $3,361 | $3,592 |
Find Affordable Volvo S90 Car Insurance Rates
Cheapest Car Insurance Companies For a Volvo S90
Among the providers listed, Mercury offers the most competitive rate, with an estimated annual premium of $1,443, translating to about $120 per month. Erie follows closely, providing coverage at approximately $1,614 annually or $135 monthly. American Family and USAA also offer affordable options, with annual premiums of $1,532 and $1,744, respectively. Nationwide’s premium is higher at $3,034 annually, but it remains a competitive option compared to the national average for luxury sedans.
| Insurance Provider | Estimated Monthly Premium |
|---|---|
| Mercury | $120 |
| Erie | $135 |
| American Family | $128 |
| USAA | $145 |
| Nationwide | $253 |
Common Volvo S90 Insurance Discounts
Discounts are a great way to lower your car insurance costs. While each auto insurance provider will offer their own discounts, there are some common ones which you can check your eligibility for:
- Multi-policy: If you bundle your home and auto insurance policies with one provider, you can often get a discounted rate.
- Pay annually: This is for people who pay their premium all at once, rather than spreading the payments out every month.
- Defensive driving: By taking defensive driving courses from a certified institution you can become eligible for discounted prices.
There are other discounts that you can apply for. You should speak to your insurance agent, as they can help you find ones that you are eligible for.
Ways To Save On Volvo S90 Insurance Costs
Keeping a clean driving history is one of the most effective ways to reduce your Volvo S90 insurance premiums. Even a single speeding ticket can increase your monthly rate, with drivers who have a violation typically paying around $95 per month. Those involved in multiple accidents may see that figure climb to about $180 monthly. Another key factor is how much you drive. Drivers who put fewer miles on the road each year are considered less risky to insure. For instance, S90 owners who drive between 5,000 and 7,500 miles annually can expect to pay roughly $70 per month, while those exceeding 10,000 miles might pay closer to $80.
Compare Volvo S90 To Other Volvo Models
Looking for other Volvo model insurance costs?
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To ensure accurate and trustworthy insurance company ratings, I employed a detailed methodology. I assess numerous insurers, utilizing insights from reputable review sites and critical metrics from industry authorities such as A.M. Best and J.D. Power. With my 15 years of experience as an insurance agent, I enhance our analysis with firsthand knowledge, ensuring our ratings are reliable guides for your insurance decision-making process.
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Do You Need Insurance Before You Can Purchase A Volvo S90?
The best way to find the cheapest rates for your Volvo S90 is by shopping around and comparing quotes from different auto insurance companies. Fortunately, Insuranceopedia allows you to compare quotes from multiple providers, right here on our website.
How Can You Get The Cheapest Insurance For Your Volvo S90?
The most effective way to secure the lowest insurance rates for your Volvo S90 is by comparing offers from several different providers. Rates can vary significantly between companies, so taking the time to shop around can lead to big savings. At Insuranceopedia, we simplify the process by allowing you to view and compare quotes from multiple insurers—all in one place—making it easier to find a policy that fits your budget and coverage needs.
