Why Volvo S90 Insurance Costs So Much: Insights for Savings

How much does Volvo S90 insurance cost? We compared rates by model year from the base S90 T5 models up to the well-appointed T8 Hybrid models to find out how insurance cost ranks against competing luxury car brands.

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  • Volvo S90 car insurance costs an average of $2,870 per year for a full coverage policy.
  • The cheapest model of Volvo S90 to insure is the Plus at an estimated $2,742 per year.
  • The Volvo S90 is one of the cheaper large luxury cars to insure, costing $878 less per year on average as compared to the rest of the vehicles in the segment.

How much does Volvo S90 car insurance cost?

Ranked second out of 24 vehicles in the large luxury car class, Volvo S90 insurance costs an average of $2,870 yearly, or around $239 monthly. With the average large luxury car costing $3,748 a year to insure, the Volvo S90 could save around $878 or more every 12 months.

The following rate chart shows how average Volvo S90 insurance prices change with differences in driver age and coverage deductibles. The cost values shown vary from the cheapest policy rate of $1,974 per year for a driver age 60 with high policy deductibles to the highest rate of $6,698 each year for a driver age 20 with deductibles of $250.

Average 2024 Volvo S90 car insurance premiums for different driver ages and policy deductibles.
Figure 1: Average 2024 Volvo S90 car insurance premiums for different driver ages and policy deductibles. Rates updated on June 27, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average premiums are based on a 2024 model year Volvo S90. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision coverage is included as well as UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels.

2024 Volvo S90 Insurance Cost by Driver Age and Deductibles
Driver Age Policy Deductible Annual Premium Cost Per Month
20-Year-Old$1,000$4,768$397
$500$5,706$476
$250$6,698$558
30-Year-Old$1,000$2,540$212
$500$3,070$256
$250$3,622$302
40-Year-Old$1,000$2,384$199
$500$2,870$239
$250$3,378$282
50-Year-Old$1,000$2,112$176
$500$2,534$211
$250$2,972$248
60-Year-Old$1,000$1,974$165
$500$2,368$197
$250$2,778$232

Data Methodology: Rated driver has no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for the 2024 Volvo S90. Updated June 27, 2025

The table below shows the estimated annual and 6-month policy costs, plus a monthly budget estimate, for each Volvo S90 model and trim level.

2024 Volvo S90 Insurance Rates by Trim Level
2024 Volvo S90 Trim Level Annual Premium Cost Per Month
Plus$2,742$229
Ultimate$2,854$238
Recharge Plus$2,898$242
Recharge Ultimate$2,992$249

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Updated June 26, 2025

Insurance cost by trim level for a 2024 Volvo S90 ranging from the Plus model at $2,742 per year to the Recharge Ultimate model at $2,992
Insurance cost by trim level for a 2024 Volvo S90 ranging from the Plus model at $2,742 per year to the Recharge Ultimate model at $2,992

The following data table illustrates average insurance policy premiums for a Volvo S90 from the 2017 to the 2024 model years.

Volvo S90 Insurance Cost for 2017-2024 Models
Model Year and Vehicle Annual Premium Cost Per Month
2024 Volvo S90$2,870$239
2023 Volvo S90$2,884$240
2022 Volvo S90$2,768$231
2021 Volvo S90$2,520$210
2020 Volvo S90$2,438$203
2019 Volvo S90$2,358$197
2018 Volvo S90$2,234$186
2017 Volvo S90$2,152$179

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all Volvo S90 trim levels for each model year. Updated June 27, 2025

Average annual premium and cost per month to insure 2017 to 2024 Volvo S90 models
Average annual premium and cost per month to insure 2017 to 2024 Volvo S90 models

How does S90 insurance cost rank?

The Volvo S90 ranks second out of 24 comparison vehicles in the large luxury car segment for most affordable car insurance cost. The S90 costs an estimated $2,870 per year for an auto insurance policy with full coverage and the category average is $3,748 per year, a difference of $878 per year.

When compared to other large luxury car models for 2024, Volvo S90 car insurance costs $88 more per year than the Audi A5, $924 less than the BMW 740i, and $1,796 less than the Porsche Panamera.

The next table shows how average S90 car insurance cost compares to all other 2024 large luxury cars like the Infiniti Q60, Audi A8, and the Genesis G90.

Insurance Cost Comparison: Volvo S90 vs Large Luxury Cars
Rank Make and Model Annual Premium Difference
1Audi A5$2,782-$88
2Volvo S90$2,870--
3Genesis G90$3,076$206
4Mercedes-Benz AMG E53$3,088$218
5Mercedes-Benz EQS 450$3,122$252
6Lexus LS 500$3,220$350
7Lexus LS 500h$3,262$392
8BMW 840i$3,354$484
9BMW i7$3,402$532
10Audi RS 7$3,524$654
11BMW M850i$3,780$910
12BMW 740i$3,794$924
13BMW 750e$3,806$936
14Mercedes-Benz AMG GT43$3,832$962
15Audi S8$3,878$1,008
16Mercedes-Benz S500$3,972$1,102
17Audi A8$3,982$1,112
18BMW 760i$4,008$1,138
19Mercedes-Benz S580$4,162$1,292
20Mercedes-Benz EQS 580$4,230$1,360
21Mercedes-Benz Maybach S580$4,598$1,728
22Mercedes-Benz AMG EQS$4,642$1,772
23Porsche Panamera$4,666$1,796
24Mercedes-Benz Maybach S680$4,906$2,036

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each vehicle from the 2024 model year. Updated June 27, 2025

At $2,870 per year, insurance cost for a 2024 Volvo S90 ranks second out of 24 models in the large luxury car segment
At $2,870 per year, insurance cost for a 2024 Volvo S90 ranks second out of 24 models in the large luxury car segment