BMW 3 Series vs Volvo S90 Insurance Cost
The Volvo S90 is cheaper to insure by about $185 a year for full coverage by our estimate ($1,880 vs. $1,695), and cheaper in 51 of 51 states.
Side-by-side insurance estimate
| Coverage | BMW 3 Series | Volvo S90 | Difference |
|---|---|---|---|
| State minimum | $680 | $565 | +$115 |
| Standard (100/300/100) | $985 | $820 | +$165 |
| Full coverage | $1,880 | $1,695 | +$185 |
National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = 3 Series minus S90.
Why one costs more to insure
| Factor | BMW 3 Series | Volvo S90 |
|---|---|---|
| Segment | Luxury car | Luxury car |
| Powertrains | Gasoline, Hybrid, Plug-in hybrid, Diesel | Gasoline, Hybrid, Plug-in hybrid |
| HLDI collision (100 = avg) | 144 | 132 |
| HLDI comprehensive | 111 | — |
| HLDI property damage liability | 112 | 88 |
| HLDI bodily injury liability | 131 | — |
| NHTSA overall rating | 5★ | — |
| NICB most-stolen rank | Not in top 10 | Not in top 10 |
| Recalls (latest 3 model years) | 3 | 4 |
Collision losses are the biggest swing factor: the BMW 3 Series has 12 points higher relative collision losses, meaning its crash repairs cost insurers more on average.
3 Series vs S90 insurance by state
By driver profile (full coverage)
| Driver | 3 Series | S90 |
|---|---|---|
| Teen driver (18, own policy) | $5,170 | $4,655 |
| Young adult (22) | $3,005 | $2,710 |
| Adult in their 30s | $1,880 | $1,695 |
| Adult in their 50s | $1,730 | $1,560 |
| Senior (72) | $2,105 | $1,895 |
| 30s, one at-fault accident | $2,725 | $2,455 |
| 30s, DUI on record | $3,475 | $3,130 |
More comparisons
Frequently asked questions
Is the BMW 3 Series or the Volvo S90 cheaper to insure?
By our estimate the Volvo S90 is cheaper, by about $185 a year for full coverage ($1,880 vs. $1,695) for a driver in their 30s with a clean record.
Why does insurance cost differ between the BMW 3 Series and Volvo S90?
Mostly because of insurance-loss history: HLDI collision indices of 144 vs. 132 and comprehensive indices of 111 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.