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Volvo S90 Car Insurance Cost

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Looking for a new or used Volvo S90? And wondering how much it costs to insure by year? We researched average annual insurance costs for each model year and have compiled the results for you below.

Volvo S90 insurance facts

  • Average full coverage auto insurance premium: $170/month

  • Most affordable companies: Erie ($110/month) & Travelers ($112/month)

  • S90 car insurance cost vs. average rate: $114 more expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your Volvo S90 by model year and auto insurer.

Below average Volvo S90 insurer costs by state:

How much does it cost to insure my Volvo S90?

Select the year of your car

2021 Volvo S90

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Average Cost to Insure Per Year

$2,049

List Price

$51,550

Trims Available

T5 Momentum - T6 Inscription - T6 Momentum - T8 eAWD Momentum - T8 Plug-In Hybrid Momentum - T8 eAWD Inscription - T8 Plug-In Hybrid Inscription - with Direct Injected Turocharged & Supercharged Engine with 316 HP - Geartronic 8-spd w/OD Transmission - with Safety Features - with Volvo IntelliSafe Safety - Oncoming Lane Mitigation, Run-off Road Mitigation, Lane Keeping Aid, Airbags, BLIS (Blind Spot Information) with steer assist, Rear Collision Warning, Cross Traffic Alert with autobrake, Pilot Assist, Adaptive Cruise Control, Distance Alert

2020 Volvo S90

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Average Cost to Insure Per Year

$1,836

List Price

$50,550

Trims Available

T5 Momentum - T6 Inscription - T6 Momentum - T8 eAWD Momentum - T8 Plug-In Hybrid Momentum - T8 eAWD Inscription - T8 Plug-In Hybrid Inscription - with Direct Injected Turocharged & Supercharged Engine with 316 HP - Geartronic 8-spd w/OD Transmission - with Safety Features - with Volvo IntelliSafe Safety - Oncoming Lane Mitigation, Run-off Road Mitigation, Lane Keeping Aid, Airbags, BLIS (Blind Spot Information) with steer assist, Rear Collision Warning, Cross Traffic Alert with autobrake, Pilot Assist, Adaptive Cruise Control, Distance Alert

2019 Volvo S90

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Average Cost to Insure Per Year

$1,711

List Price

$47,350

Trims Available

T5 Momentum - T6 Inscription - T6 Momentum - T8 eAWD Momentum - T8 Plug-In Hybrid Momentum - T8 eAWD Inscription - T8 Plug-In Hybrid Inscription - with Direct Injected Turocharged & Supercharged Engine with 316 HP - Geartronic 8-spd w/OD Transmission - with Safety Features - with Volvo IntelliSafe Safety - Oncoming Lane Mitigation, Run-off Road Mitigation, Lane Keeping Aid, Airbags, BLIS (Blind Spot Information) with steer assist, Rear Collision Warning, Cross Traffic Alert with autobrake, Pilot Assist, Adaptive Cruise Control, Distance Alert

2018 Volvo S90

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Average Cost to Insure Per Year

$1,674

List Price

$36,950

Trims Available

T5 Momentum - T6 Inscription - T6 Momentum - T8 eAWD Momentum - T8 Plug-In Hybrid Momentum - T8 eAWD Inscription - T8 Plug-In Hybrid Inscription

2017 Volvo S90

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Average Cost to Insure Per Year

$2,669

List Price

$46,950

Trims Available

T5 Momentum - T5 Inscription - T6 Momentum - T6 Inscription

Risk factors affecting S90 rates

The make and model of your vehicle, along with the year of manufacture, are the three most important factors in determining your car's value, which in turn is the main factor in determining your insurance premium. Your own personal driving history, age, marital status, credit scoretype of vehicle, coverage levels, and other personal factors are also important components of your rate.

How to save money on Volvo S90 coverage?

Many driver discounts are available to people through most major auto insurers, such as

  • Student discounts

  • Safe drivers

  • Senior discounts

With all Volvo models, you can get the following discounts:

  • Passive restraint systems

  • Anti-lock brakes

  • Anti-theft devices

Volvo Luxury Automobile Brand

Volvo is a Swedish luxury automobile brand partially owned by a Chinese company in the United States market. Volvo's target market is families typically with children in the higher-end price vehicle market. All of Volvo's automobiles have high safety ratings, with 11 of their vehicles getting "Top Safety Pick" and 5-star ratings from the National Highway Traffic Safety Administration (NHTSA). The S60, XC60, and the XC90 are their most popular vehicles.

Higher than average S90 repair costs equal higher coverage rates

Volvo's are considered a niche vehicle in the United States market. Many consumers are attracted to the Volvo for its style and driver-assist technologies, like Volvo's Pilot Assist. Automotive parts are not as common as popular vehicles, like the Toyota or Honda. Repairing a Volvo is higher than average since repair parts are more expensive and not as available as popular vehicles. For this reason, many Volvo's are going to have higher than average insurance rates to similar vehicles in its class.

Rapid depreciation for S90's affecting auto policies

Another factor to consider for Volvo's, is they depreciate rapidly, affecting coverage rates. As your vehicle's value goes down each year, your auto policy could go down at each renewal. On the other hand, in an auto accident, you need repair parts that rarely go down in price for all Volvo models. This could put you in a difficult situation position since many insurance companies will subtract depreciation from the amount paid for your claim resulting in a situation where your claim payout doesn't fully cover your repair cost.

High IIHS and NHTSA safety ratings lower coverage rates for drivers

Volvo's are known for their safety ratings, safety features, and driver-assist technologies (semiautonomous driving), lowering coverage rates for drivers with a good driving record, sometimes getting 20% driver discounts for passive restraints and safety features in Volvo models. The V60, S90, and V90 are Insurance Institute for Highway Safety (IIHS) "Top Safety Picks," and the NHTSA consistently gives Volvo top safety ratings each year, lowering your insurance costs.

AutoInsureSavings.org insurance agents recommend comprehensive and collision coverage and uninsured motorist coverage for new Volvo automobile owners. 

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