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2009 Volvo S40 Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Apr 3, 2020

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Average insurance rates for a 2009 Volvo S40 are $1,098 a year with full coverage. Comprehensive costs an estimated $190 a year, collision costs $272, and liability coverage costs around $478. Buying a liability-only policy costs as low as $526 a year, with high-risk insurance costing around $2,366. Teenage drivers receive the highest rates at $4,354 a year or more.

Annual premium for full coverage: $1,098

Rate estimates for 2009 Volvo S40 Insurance

Comprehensive $190
Collision $272
Liability $478

Rate data is compiled from all 50 U.S. states and averaged for all 2009 Volvo S40 models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For the average driver, prices range go from as low as $526 for basic liability insurance to a high of $2,366 for a driver that may need high-risk insurance.

Liability Only $526
Full Coverage $1,098
High Risk $2,366

View Chart as Image

2009 Volvo S40 insurance rates compared
Column chart showing 2009 Volvo S40 insurance prices range from $658 to $4,354 for full coverage

These differences demonstrate why it is important for drivers to compare prices for a targeted area and risk profile, rather than using average rates.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Recommended Companies for Cheap 2009 Volvo S40 Insurance

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Want better insurance coverage rates for your Volvo S40? Trying to find better insurance prices for your Volvo S40 can turn out to be a lot of work, but you can learn these tips and make it easy. There are more efficient ways to buy insurance coverage and you need to know the proper way to get price quotes for a Volvo and find the cheapest rates from both online companies and local agents.

Vehicle Insurance Comparison

Shopping for lower auto insurance rates can be exhausting if you aren’t aware of the best way to get rate quotes. You could spend your day talking about coverages with agents in your area, or you can utilize the internet to get rate comparisons in just a few minutes.

Many companies participate in an industry program where prospective buyers complete one form, and each participating company returns a competitive quote for coverage. This saves time by eliminating quote forms for every auto insurance company.

To compare pricing click here (opens in new window).

The only downside to pricing coverage this way is that consumers can’t choose the providers you will receive quotes from. So if you want to select individual companies to compare prices, we have a page of the cheapest auto insurance companies in your area. Click to view list.

However you get your quotes, ensure you’re using identical coverage limits and deductibles for each comparison quote. If you compare different deductibles you can’t possibly make a fair comparison for your Volvo S40.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

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Tailor your coverage to you

When choosing adequate coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Every situation is different.

For example, these questions may help you determine whether you might need an agent’s assistance.

  • Is my custom paint covered by insurance?
  • When should I remove comp and collision on my 2009 Volvo S40?
  • What are the financial responsibility laws in my state?
  • What is roadside assistance coverage?
  • Am I covered if I crash into my own garage door?
  • Does insurance cover damages from a DUI accident?
  • Am I covered when pulling a rental trailer?

If you’re not sure about those questions but a few of them apply then you might want to talk to a licensed agent. To find an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.

Coverages available on your policy

Knowing the specifics of a car insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be confusing and coverage can change by endorsement.

Auto liability insurance

Liability coverage can cover damages or injuries you inflict on other’s property or people by causing an accident. This coverage protects you from claims by other people. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 25/50/25 which means $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability can pay for things such as emergency aid, medical expenses and funeral expenses. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage kick in for immediate expenses for things like rehabilitation expenses, pain medications and chiropractic care. They are often used to fill the gap from your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants in addition to if you are hit as a while walking down the street. PIP coverage is not universally available and gives slightly broader coverage than med pay

Collision protection

This coverage pays for damage to your S40 from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as colliding with a tree, sustaining damage from a pot hole, scraping a guard rail, backing into a parked car and hitting a parking meter. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Comprehensive insurance

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like damage from flooding, rock chips in glass and vandalism. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2009 Volvo S40 Insurance Rates by City
City Premium
New York City, NY $1,734
Los Angeles, CA $1,875
Philadelphia, PA $1,467
Jacksonville, FL $1,594
Phoenix, AZ $1,277
Chicago, IL $1,472
Houston, TX $1,721
Seattle, WA $1,068
Columbus, OH $917
Indianapolis, IN $933

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2009 Volvo S40 Insurance Rates by Driver Age
Driver Age Premium
16 $4,354
20 $2,512
30 $1,122
40 $1,098
50 $1,008
60 $986

Full coverage, $500 deductibles

Rates by Deductible

2009 Volvo S40 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,298
$250 $1,206
$500 $1,098
$1,000 $992

Full coverage, driver age 40

Rates by Liability Limit

Volvo S40 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,098
50/100 $1,194
100/300 $1,313
250/500 $1,624
100 CSL $1,241
300 CSL $1,504
500 CSL $1,696

Full coverage, driver age 40

Rates for High Risk Drivers

2009 Volvo S40 Insurance Rates for High Risk Drivers
Age Premium
16 $6,154
20 $4,008
30 $2,392
40 $2,366
50 $2,262
60 $2,240

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $149

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $56
Multi-vehicle $59
Homeowner $19
5-yr Accident Free $70
5-yr Claim Free $70
Paid in Full/EFT $42
Advance Quote $49
Online Quote $75
Total Discounts $440
Rate after discounts $658

Discounts are estimated and may not be available from every company or in every state.

Find companies with the cheapest rates in your area

2009 Volvo S40 Insurance Rates by State
State Premium
Alabama $994
Alaska $842
Arizona $912
Arkansas $1,098
California $1,250
Colorado $1,050
Connecticut $1,128
Delaware $1,242
Florida $1,374
Georgia $1,012
Hawaii $788
Idaho $742
Illinois $818
Indiana $826
Iowa $740
Kansas $1,044
Kentucky $1,496
Louisiana $1,622
Maine $678
Maryland $904
Massachusetts $880
Michigan $1,908
Minnesota $918
Mississippi $1,316
Missouri $974
Montana $1,180
Nebraska $866
Nevada $1,316
New Hampshire $790
New Jersey $1,228
New Mexico $970
New York $1,156
North Carolina $632
North Dakota $898
Ohio $758
Oklahoma $1,126
Oregon $1,004
Pennsylvania $1,048
Rhode Island $1,464
South Carolina $994
South Dakota $926
Tennessee $962
Texas $1,324
Utah $814
Vermont $752
Virginia $656
Washington $848
West Virginia $1,006
Wisconsin $760
Wyoming $978

Free Auto Insurance Comparison

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