Mercedes-Benz E-Class vs Volvo S90 Insurance Cost

The Volvo S90 is cheaper to insure by about $115 a year for full coverage by our estimate ($1,810 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

Coverage	Mercedes-Benz E-Class	Volvo S90	Difference
State minimum	$600	$565	+$35
Standard (100/300/100)	$870	$820	+$50
Full coverage	$1,810	$1,695	+$115

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

Why one costs more to insure

Factor	Mercedes-Benz E-Class	Volvo S90
Segment	Luxury car	Luxury car
Powertrains	Gasoline, Hybrid, Plug-in hybrid, Diesel, Flex-fuel	Gasoline, Hybrid, Plug-in hybrid
HLDI collision (100 = avg)	138	132
HLDI comprehensive	—	—
HLDI property damage liability	—	88
HLDI bodily injury liability	—	—
NHTSA overall rating	—	—
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 Mercedes-Benz E-Class has 6 points higher relative collision losses, meaning its crash repairs cost insurers more on average.

E-Class vs S90 insurance by state

State	E-Class	S90	Difference
Alabama	$1,610	$1,505	+$105
Alaska	$1,600	$1,490	+$110
Arizona	$1,885	$1,765	+$120
Arkansas	$1,645	$1,540	+$105
California	$1,810	$1,685	+$125
Colorado	$2,075	$1,945	+$130
Connecticut	$1,895	$1,770	+$125
Delaware	$1,955	$1,825	+$130
District of Columbia	$2,300	$2,150	+$150
Florida	$2,470	$2,310	+$160
Georgia	$2,175	$2,035	+$140
Hawaii	$1,270	$1,185	+$85
Idaho	$1,240	$1,155	+$85
Illinois	$1,590	$1,485	+$105
Indiana	$1,305	$1,220	+$85
Iowa	$1,280	$1,200	+$80
Kansas	$1,490	$1,400	+$90
Kentucky	$1,515	$1,420	+$95
Louisiana	$2,485	$2,325	+$160
Maine	$1,175	$1,095	+$80
Maryland	$2,015	$1,880	+$135
Massachusetts	$1,790	$1,670	+$120
Michigan	$1,990	$1,860	+$130
Minnesota	$1,540	$1,445	+$95
Mississippi	$1,760	$1,645	+$115
Missouri	$1,665	$1,560	+$105
Montana	$1,495	$1,400	+$95
Nebraska	$1,495	$1,400	+$95
Nevada	$1,990	$1,860	+$130
New Hampshire	$1,310	$1,225	+$85
New Jersey	$2,115	$1,975	+$140
New Mexico	$1,640	$1,535	+$105
New York	$2,370	$2,215	+$155
North Carolina	$1,400	$1,305	+$95
North Dakota	$1,220	$1,145	+$75
Ohio	$1,315	$1,225	+$90
Oklahoma	$1,675	$1,565	+$110
Oregon	$1,585	$1,480	+$105
Pennsylvania	$1,615	$1,510	+$105
Rhode Island	$2,145	$2,000	+$145
South Carolina	$1,890	$1,770	+$120
South Dakota	$1,465	$1,375	+$90
Tennessee	$1,540	$1,435	+$105
Texas	$2,175	$2,035	+$140
Utah	$1,605	$1,500	+$105
Vermont	$1,225	$1,140	+$85
Virginia	$1,560	$1,460	+$100
Washington	$1,545	$1,445	+$100
West Virginia	$1,555	$1,455	+$100
Wisconsin	$1,260	$1,180	+$80
Wyoming	$1,495	$1,405	+$90

By driver profile (full coverage)

Driver	E-Class	S90
Teen driver (18, own policy)	$4,980	$4,655
Young adult (22)	$2,900	$2,710
Adult in their 30s	$1,810	$1,695
Adult in their 50s	$1,665	$1,560
Senior (72)	$2,030	$1,895
30s, one at-fault accident	$2,625	$2,455
30s, DUI on record	$3,350	$3,130

More comparisons

Frequently asked questions

Is the Mercedes-Benz E-Class or the Volvo S90 cheaper to insure?

By our estimate the Volvo S90 is cheaper, by about $115 a year for full coverage ($1,810 vs. $1,695) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Mercedes-Benz E-Class and Volvo S90?

Mostly because of insurance-loss history: HLDI collision indices of 138 vs. 132 and comprehensive indices of n/a 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