Estimates, not quotes

Audi A4 vs Volvo S90 Insurance Cost

The Audi A4 is cheaper to insure by about $130 a year for full coverage by our estimate ($1,565 vs. $1,695), and cheaper in 51 of 51 states.

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Side-by-side insurance estimate

CoverageAudi A4Volvo S90Difference
State minimum$535$565−$30
Standard (100/300/100)$780$820−$40
Full coverage$1,565$1,695−$130

National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = A4 minus S90.

Why one costs more to insure

FactorAudi A4Volvo S90
SegmentLuxury carLuxury car
PowertrainsGasoline, Hybrid, Flex-fuelGasoline, Hybrid, Plug-in hybrid
HLDI collision (100 = avg)133132
HLDI comprehensive97—
HLDI property damage liability7988
HLDI bodily injury liability86—
NHTSA overall rating5★—
NICB most-stolen rankNot in top 10Not in top 10
Recalls (latest 3 model years)14

Collision losses are the biggest swing factor: the Audi A4 has 1 points higher relative collision losses, meaning its crash repairs cost insurers more on average.

A4 vs S90 insurance by state

StateA4S90Difference
Alabama$1,380$1,505−$125
Alaska$1,385$1,490−$105
Arizona$1,625$1,765−$140
Arkansas$1,405$1,540−$135
California$1,580$1,685−$105
Colorado$1,760$1,945−$185
Connecticut$1,650$1,770−$120
Delaware$1,705$1,825−$120
District of Columbia$1,995$2,150−$155
Florida$2,155$2,310−$155
Georgia$1,895$2,035−$140
Hawaii$1,105$1,185−$80
Idaho$1,065$1,155−$90
Illinois$1,370$1,485−$115
Indiana$1,125$1,220−$95
Iowa$1,075$1,200−$125
Kansas$1,260$1,400−$140
Kentucky$1,305$1,420−$115
Louisiana$2,145$2,325−$180
Maine$1,010$1,095−$85
Maryland$1,745$1,880−$135
Massachusetts$1,555$1,670−$115
Michigan$1,725$1,860−$135
Minnesota$1,310$1,445−$135
Mississippi$1,505$1,645−$140
Missouri$1,420$1,560−$140
Montana$1,260$1,400−$140
Nebraska$1,265$1,400−$135
Nevada$1,745$1,860−$115
New Hampshire$1,135$1,225−$90
New Jersey$1,845$1,975−$130
New Mexico$1,410$1,535−$125
New York$2,060$2,215−$155
North Carolina$1,205$1,305−$100
North Dakota$1,025$1,145−$120
Ohio$1,130$1,225−$95
Oklahoma$1,420$1,565−$145
Oregon$1,375$1,480−$105
Pennsylvania$1,390$1,510−$120
Rhode Island$1,870$2,000−$130
South Carolina$1,630$1,770−$140
South Dakota$1,210$1,375−$165
Tennessee$1,320$1,435−$115
Texas$1,860$2,035−$175
Utah$1,400$1,500−$100
Vermont$1,050$1,140−$90
Virginia$1,345$1,460−$115
Washington$1,345$1,445−$100
West Virginia$1,320$1,455−$135
Wisconsin$1,075$1,180−$105
Wyoming$1,240$1,405−$165

By driver profile (full coverage)

DriverA4S90
Teen driver (18, own policy)$4,300$4,655
Young adult (22)$2,505$2,710
Adult in their 30s$1,565$1,695
Adult in their 50s$1,440$1,560
Senior (72)$1,750$1,895
30s, one at-fault accident$2,270$2,455
30s, DUI on record$2,895$3,130

More comparisons

Frequently asked questions

Is the Audi A4 or the Volvo S90 cheaper to insure?

By our estimate the Audi A4 is cheaper, by about $130 a year for full coverage ($1,565 vs. $1,695) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Audi A4 and Volvo S90?

Mostly because of insurance-loss history: HLDI collision indices of 133 vs. 132 and comprehensive indices of 97 vs. n/a (100 = average), plus repair costs, theft rates and segment.

How we estimate this

We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.

Sources used on this page