Gianetta Palmer is a writer, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jun 17, 2021

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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.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Below average Volvo S90 insurer costs by state:

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. 

2021 Volvo S90

Cheapest Insurance CompaniesAverage Annual Cost
Allied$2471
Allstate$2049
American Family$1780
Amica$2617
Auto-Owners$2238
Direct Auto$1835
Erie$1324
Farmers$1644
GEICO$1430
Liberty Mutual$1361
Mercury$1897
MetLife$2435
Nationwide$1482
Progressive$1388
Safe Auto$2241
State Farm$1569
Tennessee Farmers$1846
Travelers$1340
USAA$1421

Compare all 2021 Volvo S90 rates

Average Cost to Insure Per Year

$2049

List Price

$51550

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

Cheapest Insurance CompaniesAverage Annual Cost
Allstate$1987
American Family$1752
Auto-Owners$2148
Erie$1427
Farmers$1630
GEICO$1459
Mercury$1835
MetLife$2419
Nationwide$1460
Progressive$1329
Safe Auto$2213
State Farm$1548
Tennessee Farmers$1792
Travelers$1324
USAA$1411
Vermont Mutual$2347

Compare all 2020 Volvo S90 rates

Average Cost to Insure Per Year

$1836

List Price

$50550

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

Cheapest Insurance CompaniesAverage Annual Cost
Allstate$1946
American Family$1743
Auto-Owners$2049
Direct Auto$1834
Erie$1412
Farmers$1628
GEICO$1453
Liberty Mutual$1353
MetLife$2405
Nationwide$1530
Progressive$1271
Safe Auto$2173
State Farm$1571
Tennessee Farmers$1768
Travelers$1240
USAA$1387
Vermont Mutual$2259

Compare all 2019 Volvo S90 rates

Average Cost to Insure Per Year

$1711

List Price

$47350

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

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1644
Acuity$ 1644
Allied$ 1281
Allied$ 1281
Erie$ 1215
Erie$ 1215
GEICO$ 1451
GEICO$ 1451
Mercury$ 1280
Mercury$ 1280
Nationwide$ 1285
Nationwide$ 1285
Plymouth Rock Insurance$ 1754
Plymouth Rock Insurance$ 1754
Progressive$ 1448
Progressive$ 1448
State Farm$ 1466
State Farm$ 1466
Tennessee Farmers$ 1728
Tennessee Farmers$ 1728
USAA$ 1365
USAA$ 1365
Vermont Mutual$ 1778
Vermont Mutual$ 1778

Compare all 2018 Volvo S90 rates

Average Cost to Insure Per Year

$ 1674

List Price

$ 36950

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

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1610
Acuity$ 1610
Allied$ 1296
Allied$ 1296
Country$ 1819
Country$ 1819
Erie$ 1313
Erie$ 1313
Mercury$ 1299
Mercury$ 1299
Nationwide$ 1552
Nationwide$ 1552
Plymouth Rock Insurance$ 1381
Plymouth Rock Insurance$ 1381
Southern Farm Bureau$ 1862
Southern Farm Bureau$ 1862
State Farm$ 1861
State Farm$ 1861
Tennessee Farmers$ 1192
Tennessee Farmers$ 1192
USAA$ 1521
USAA$ 1521
Vermont Mutual$ 1676
Vermont Mutual$ 1676

Compare all 2017 Volvo S90 rates

Average Cost to Insure Per Year

$ 2669

List Price

$ 46950

Trims Available

T5 Momentum - T5 Inscription - T6 Momentum - T6 Inscription