Volvo S40 T5 AWD R-Design Insurance Rates

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The average insurance prices for a Volvo S40 T5 AWD R-Design are $1,510 every 12 months for full coverage. Comprehensive insurance costs on average $354, collision costs $634, and liability coverage costs around $364. Buying just liability costs as low as $430 a year, with insurance for high-risk drivers costing $3,260 or more. Teen drivers cost the most to insure at $5,482 a year or more.

Annual premium for full coverage: $1,510

Policy rates by type of coverage:

Comprehensive $354
Collision $634
Liability $364

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Volvo S40 Trim Level

For the average driver, Volvo S40 T5 AWD R-Design insurance rates go from the cheapest price of $430 for minimum levels of liability insurance to the much higher price of $3,260 for a driver that may need high-risk insurance.

Liability Only $430
Full Coverage $1,510
High Risk $3,260

These price differences show why everyone should compare prices based on a specific location and their own driving history, rather than using price averages.

Use the form below to get rates for your location.

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Insurance rates for a Volvo S40 T5 AWD R-Design also range considerably based on liability limits and deductibles, your driver profile, and the model year of your S40.

Choosing high deductibles could cut rates by as much as $660 a year, whereas buying more liability protection will cost you more. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $327 more per year. View Rates by Deductible or Liability Limit

A more mature driver with a clean driving record and higher deductibles may only pay around $1,400 a year, or $117 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers can expect to pay upwards of $5,400 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying at a minimum $1,800 to $2,400 extra every year, depending on your age. Volvo S40 T5 AWD R-Design insurance for high-risk drivers can be around 44% to 133% more than average. View High Risk Driver Rates

Your home state has a huge impact on Volvo S40 T5 AWD R-Design insurance rates. A driver around age 40 might see rates as low as $900 a year in states like Idaho, Maine, and Iowa, or as much as $1,950 on average in Michigan, Louisiana, and Montana. Rates by state and city are shown later in the article.

Because rates have so much variability, the only way to know exactly what you will pay is to regularly compare rates and see how they stack up. Each insurance company uses a different rate calculation, so the rates will be varied.

View Chart as Image

Volvo S40 T5 AWD R-Design insurance cost comparison chart
Column chart showing Volvo S40 T5 AWD R-Design insurance prices range from $862 to $5,482 for full coverage

Chart shows Volvo S40 T5 AWD R-Design insurance rates for different coverage choices and risks. The cheapest rate with discounts is $862. Drivers who choose higher $1,000 deductibles will pay $1,288. The average rate for a 40-year-old male driver using $500 deductibles is $1,510. Selecting more expensive $100 deductibles for comprehensive and collision insurance could cost up to $1,948. High risk drivers could be charged around $3,260. The rate for full coverage for a teen driver can be as high as $5,482.

Volvo S40 T5 AWD R-Design Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,366 -$144 -9.5%
Alaska $1,158 -$352 -23.3%
Arizona $1,254 -$256 -17.0%
Arkansas $1,510 -$0 0.0%
California $1,722 $212 14.0%
Colorado $1,444 -$66 -4.4%
Connecticut $1,554 $44 2.9%
Delaware $1,710 $200 13.2%
Florida $1,890 $380 25.2%
Georgia $1,396 -$114 -7.5%
Hawaii $1,086 -$424 -28.1%
Idaho $1,022 -$488 -32.3%
Illinois $1,126 -$384 -25.4%
Indiana $1,138 -$372 -24.6%
Iowa $1,020 -$490 -32.5%
Kansas $1,436 -$74 -4.9%
Kentucky $2,062 $552 36.6%
Louisiana $2,236 $726 48.1%
Maine $932 -$578 -38.3%
Maryland $1,246 -$264 -17.5%
Massachusetts $1,210 -$300 -19.9%
Michigan $2,626 $1,116 73.9%
Minnesota $1,264 -$246 -16.3%
Mississippi $1,810 $300 19.9%
Missouri $1,340 -$170 -11.3%
Montana $1,622 $112 7.4%
Nebraska $1,192 -$318 -21.1%
Nevada $1,812 $302 20.0%
New Hampshire $1,090 -$420 -27.8%
New Jersey $1,690 $180 11.9%
New Mexico $1,338 -$172 -11.4%
New York $1,592 $82 5.4%
North Carolina $872 -$638 -42.3%
North Dakota $1,238 -$272 -18.0%
Ohio $1,042 -$468 -31.0%
Oklahoma $1,554 $44 2.9%
Oregon $1,384 -$126 -8.3%
Pennsylvania $1,442 -$68 -4.5%
Rhode Island $2,014 $504 33.4%
South Carolina $1,368 -$142 -9.4%
South Dakota $1,276 -$234 -15.5%
Tennessee $1,324 -$186 -12.3%
Texas $1,820 $310 20.5%
Utah $1,120 -$390 -25.8%
Vermont $1,034 -$476 -31.5%
Virginia $904 -$606 -40.1%
Washington $1,168 -$342 -22.6%
West Virginia $1,384 -$126 -8.3%
Wisconsin $1,048 -$462 -30.6%
Wyoming $1,348 -$162 -10.7%

View Chart as Image

Volvo S40 T5 AWD R-Design insurance rates by U.S. city

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Rates by Driver Age

Volvo S40 T5 AWD R-Design Insurance Rates by Driver Age
Driver Age Premium
16 $5,482
20 $3,478
30 $1,586
40 $1,510
50 $1,376
60 $1,350

Full coverage, $500 deductibles

Rates by Deductible

Volvo S40 T5 AWD R-Design Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,948
$250 $1,746
$500 $1,510
$1,000 $1,288

Full coverage, driver age 40

Rates by Liability Limit

Volvo S40 T5 AWD R-Design Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,510
50/100 $1,583
100/300 $1,674
250/500 $1,910
100 CSL $1,619
300 CSL $1,819
500 CSL $1,965

Full coverage, driver age 40

Rates for High Risk Drivers

Volvo S40 T5 AWD R-Design Insurance Rates for High Risk Drivers
Age Premium
16 $7,846
20 $5,524
30 $3,344
40 $3,260
50 $3,110
60 $3,080

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 $209

Potential Rate Discounts

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

Discount Savings
Multi-policy $81
Multi-vehicle $77
Homeowner $21
5-yr Accident Free $115
5-yr Claim Free $98
Paid in Full/EFT $72
Advance Quote $76
Online Quote $108
Total Discounts $648
Rate after discounts $862

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

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