Estimates, not quotes

Volvo S90 Insurance Cost in Washington

Insuring a Volvo S90 in Washington costs about $1,445 a year ($120/month) for full coverage by our estimate — −15% versus the same car nationally — the 20th cheapest of 51 states for this model.

Volvo S90 (photo from Wikimedia Commons)
Photo: Kevauto, CC BY-SA 4.0
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

Volvo S90 insurance in Washington at a glance

Full coverage
$1,445
$1,185–$1,705
25/50/10 minimum
$545
$45/mo
Same car nationally
$1,695
full coverage
Avg. car in WA
$1,380
+5% for the S90

The Volvo S90 is 5% more expensive than the average vehicle to insure in Washington, reflecting HLDI collision losses of 132 and comprehensive losses of 0 (100 = average). Washington's own base rates are 10% lower than the national average, which carries through to every model.

Washington factors that affect S90 premiums

  • Uninsured drivers: 19.1% of Washington drivers are uninsured (U.S. 15.4%), which raises the value of uninsured motorist coverage for your S90.
  • Theft: 259 vehicle thefts per 100,000 residents (U.S. 197).
  • Weather: FEMA rates Washington's expected annual losses as very low for hail, relatively low for tornado, not rated for hurricane, relatively moderate for inland (river) flooding, relatively low for strong wind — hail, wind and flood claims fall under comprehensive.
  • Crash risk: 1.21 traffic deaths per 100 million miles (U.S. 1.19).
  • Fault system: At-fault (tort).

Car insurance rules and costs in Washington →

Volvo S90 insurance cost in Washington cities

CityFull coverageMinimumvs. state
Seattle$1,650$620+14%
Spokane$1,495$560+3%
Tacoma$1,630$610+13%
Vancouver$1,540$580+7%
Bellevue$1,555$585+8%
Kent$1,640$615+13%
Everett$1,570$590+9%
Spokane Valley$1,485$555+3%
Renton$1,640$615+13%
Yakima$1,455$545+1%
Bellingham$1,440$5450%
Auburn$1,610$605+11%
Lynnwood$1,655$625+15%

Volvo S90 insurance in Washington by driver

Estimated annual Volvo S90 premium in Washington
DriverMinimumStandardFull coverageFull / month
Teen driver (18, own policy) $1,495 $2,165 $3,975 $331
Young adult (22) $870 $1,260 $2,310 $193
Adult in their 30s $545 $785 $1,445 $120
Adult in their 50s $500 $725 $1,330 $111
Senior (72) $610 $880 $1,620 $135
30s, one at-fault accident $785 $1,140 $2,095 $175
30s, DUI on record $1,005 $1,455 $2,675 $223

Coverage levels

Estimated premium by coverage level (driver in their 30s, clean record)
Coverage levelWhat it includesPer yearPer monthTypical range
State minimum liability Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. $545 $45 $445–$640
Standard liability (100/300/100) Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. $785 $66 $645–$930
Full coverage Standard liability plus collision and comprehensive, typically required on a financed or leased car. $1,445 $120 $1,185–$1,705

Washington minimum: 25/50/10 liability coverage. Lenders require collision and comprehensive on financed or leased cars.

Rivals in Washington

ModelFull coverage in WAvs. S90
Audi A4$1,405−3%
BMW 3 Series$1,660+15%
Audi S3$1,295−10%
Jaguar XF$1,535+6%

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Estimated annual premium
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Volvo S90 insurance cost in every state · All Volvo models

Frequently asked questions

How much is Volvo S90 insurance in Washington?

About $1,445 a year ($120 a month) for full coverage and $545 for Washington's minimum liability, for a driver in their 30s with a clean record. That is 15% less than the national estimate for the same car.

Is the Volvo S90 cheaper to insure than the average car in Washington?

The average vehicle in Washington is about $1,380 a year for full coverage in our model, so the Volvo S90 is 5% more expensive than average.

Where in Washington is Volvo S90 insurance cheapest?

Among the largest Washington cities, Bellingham has the lowest estimate (about $1,440) and Lynnwood the highest (about $1,655).

What insurance do I need for a Volvo S90 in Washington?

Washington requires at least 25/50/10 liability coverage. If the car is financed or leased, the lender will also require collision and comprehensive.

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