Estimates, not quotes

Audi S3 vs Volvo S90 Insurance Cost

The Audi S3 is cheaper to insure by about $175 a year for full coverage by our estimate ($1,520 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 S3Volvo S90Difference
State minimum$485$565−$80
Standard (100/300/100)$705$820−$115
Full coverage$1,520$1,695−$175

National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = S3 minus S90.

Why one costs more to insure

FactorAudi S3Volvo S90
SegmentLuxury carLuxury car
PowertrainsGasoline, HybridGasoline, Hybrid, Plug-in hybrid
HLDI collision (100 = avg)122132
HLDI comprehensive95—
HLDI property damage liability6788
HLDI bodily injury liability——
NHTSA overall rating——
NICB most-stolen rankNot in top 10Not in top 10
Recalls (latest 3 model years)04

Collision losses are the biggest swing factor: the Volvo S90 has 10 points higher relative collision losses, meaning its crash repairs cost insurers more on average.

S3 vs S90 insurance by state

StateS3S90Difference
Alabama$1,355$1,505−$150
Alaska$1,350$1,490−$140
Arizona$1,580$1,765−$185
Arkansas$1,390$1,540−$150
California$1,540$1,685−$145
Colorado$1,725$1,945−$220
Connecticut$1,590$1,770−$180
Delaware$1,635$1,825−$190
District of Columbia$1,945$2,150−$205
Florida$2,055$2,310−$255
Georgia$1,820$2,035−$215
Hawaii$1,080$1,185−$105
Idaho$1,040$1,155−$115
Illinois$1,340$1,485−$145
Indiana$1,100$1,220−$120
Iowa$1,070$1,200−$130
Kansas$1,245$1,400−$155
Kentucky$1,270$1,420−$150
Louisiana$2,080$2,325−$245
Maine$990$1,095−$105
Maryland$1,690$1,880−$190
Massachusetts$1,510$1,670−$160
Michigan$1,680$1,860−$180
Minnesota$1,290$1,445−$155
Mississippi$1,475$1,645−$170
Missouri$1,395$1,560−$165
Montana$1,250$1,400−$150
Nebraska$1,250$1,400−$150
Nevada$1,660$1,860−$200
New Hampshire$1,110$1,225−$115
New Jersey$1,770$1,975−$205
New Mexico$1,380$1,535−$155
New York$1,985$2,215−$230
North Carolina$1,185$1,305−$120
North Dakota$1,025$1,145−$120
Ohio$1,105$1,225−$120
Oklahoma$1,405$1,565−$160
Oregon$1,325$1,480−$155
Pennsylvania$1,365$1,510−$145
Rhode Island$1,800$2,000−$200
South Carolina$1,575$1,770−$195
South Dakota$1,215$1,375−$160
Tennessee$1,295$1,435−$140
Texas$1,825$2,035−$210
Utah$1,345$1,500−$155
Vermont$1,035$1,140−$105
Virginia$1,310$1,460−$150
Washington$1,295$1,445−$150
West Virginia$1,305$1,455−$150
Wisconsin$1,060$1,180−$120
Wyoming$1,245$1,405−$160

By driver profile (full coverage)

DriverS3S90
Teen driver (18, own policy)$4,185$4,655
Young adult (22)$2,435$2,710
Adult in their 30s$1,520$1,695
Adult in their 50s$1,400$1,560
Senior (72)$1,705$1,895
30s, one at-fault accident$2,205$2,455
30s, DUI on record$2,815$3,130

More comparisons

Frequently asked questions

Is the Audi S3 or the Volvo S90 cheaper to insure?

By our estimate the Audi S3 is cheaper, by about $175 a year for full coverage ($1,520 vs. $1,695) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Audi S3 and Volvo S90?

Mostly because of insurance-loss history: HLDI collision indices of 122 vs. 132 and comprehensive indices of 95 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