Insurance for Volvo Vehicles

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jun 3, 2023

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The next table lists average insurance rates for popular Volvo vehicles. Additional models are shown at the bottom of the page

Insurance Rates for Volvo Vehicles
Vehicle Model Annual Premium Monthly Premium
Volvo C30 $1,414 $118
Volvo C70 $1,318 $110
Volvo S40 $1,460 $122
Volvo S60 $1,580 $132
Volvo S80 $1,670 $139
Volvo V50 $1,492 $124
Volvo V70 $1,470 $123
Get Rates for Your Model Go

Rates assume current model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

View Chart as Image

Average insurance cost for Volvo vehicles
Column chart showing average insurance prices for Volvo vehicles range from $871 to $5,600 for full coverage

The above chart uses the data from all Volvo models in the table above as an example of how different scenarios can impact car insurance prices.

Insurance prices for a Volvo are quite variable based on the trim level and model year, your driver profile, and liability limits and deductibles.

Older drivers with no violations or accidents and high physical damage deductibles could pay as little as $1,400 every 12 months on average for full coverage. Rates are much higher for teenage drivers, where even without any violations or accidents they should be prepared to pay at least $5,600 a year.

If you have some driving violations or you caused a few accidents, you could be paying $1,800 to $2,500 additional each year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 45% to 131% more than a normal policy.

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Volvo insurance by risk and age

Using high physical damage deductibles can reduce rates by up to $680 each year, while buying higher liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will increase rates by as much as $335 more each year

View Chart as Image

Volvo insurance by deductible and liability limit

The state you live in also has a big influence on Volvo insurance rates. A middle-age driver might find rates as low as $1,010 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $2,200 on average in Montana, Louisiana, and Michigan.

Volvo Vehicle Average Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,390 -$144 -9.4%
Alaska $1,180 -$354 -23.1%
Arizona $1,274 -$260 -16.9%
Arkansas $1,534 -$0 0.0%
California $1,750 $216 14.1%
Colorado $1,468 -$66 -4.3%
Connecticut $1,578 $44 2.9%
Delaware $1,738 $204 13.3%
Florida $1,922 $388 25.3%
Georgia $1,418 -$116 -7.6%
Hawaii $1,104 -$430 -28.0%
Idaho $1,038 -$496 -32.3%
Illinois $1,146 -$388 -25.3%
Indiana $1,156 -$378 -24.6%
Iowa $1,038 -$496 -32.3%
Kansas $1,462 -$72 -4.7%
Kentucky $2,096 $562 36.6%
Louisiana $2,274 $740 48.2%
Maine $948 -$586 -38.2%
Maryland $1,268 -$266 -17.3%
Massachusetts $1,228 -$306 -19.9%
Michigan $2,668 $1,134 73.9%
Minnesota $1,286 -$248 -16.2%
Mississippi $1,840 $306 19.9%
Missouri $1,362 -$172 -11.2%
Montana $1,652 $118 7.7%
Nebraska $1,212 -$322 -21.0%
Nevada $1,840 $306 19.9%
New Hampshire $1,106 -$428 -27.9%
New Jersey $1,718 $184 12.0%
New Mexico $1,362 -$172 -11.2%
New York $1,618 $84 5.5%
North Carolina $884 -$650 -42.4%
North Dakota $1,258 -$276 -18.0%
Ohio $1,058 -$476 -31.0%
Oklahoma $1,578 $44 2.9%
Oregon $1,408 -$126 -8.2%
Pennsylvania $1,466 -$68 -4.4%
Rhode Island $2,050 $516 33.6%
South Carolina $1,392 -$142 -9.3%
South Dakota $1,296 -$238 -15.5%
Tennessee $1,346 -$188 -12.3%
Texas $1,850 $316 20.6%
Utah $1,138 -$396 -25.8%
Vermont $1,050 -$484 -31.6%
Virginia $922 -$612 -39.9%
Washington $1,188 -$346 -22.6%
West Virginia $1,408 -$126 -8.2%
Wisconsin $1,064 -$470 -30.6%
Wyoming $1,368 -$166 -10.8%

Since rates can be so different, the only way to know who has the cheapest rates is to get quotes from as many companies as possible. Every auto insurance company uses a different method to calculate rates, and rates may be quite different between companies.

Additional Volvo Vehicles

U.S. averages for full coverage Volvo vehicle insurance

Average Policy Cost $1,534
Comprehensive Premium $348
Collision Premium $656
Liability Premium $372

National average data is compiled from all 50 U.S. states for the Volvo models in the rate table on this page. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record.

Rates by Driver Age

Volvo Vehicle Insurance Rates by Driver Age
Driver Age Premium
16 $5,600
20 $3,550
30 $1,614
40 $1,534
50 $1,402
60 $1,374

Full coverage, $500 deductibles

Rates by Deductible

Volvo Vehicle Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,980
$250 $1,774
$500 $1,534
$1,000 $1,308

Full coverage, driver age 40

Rates for High Risk Drivers

Volvo Vehicle Insurance Rates for High Risk Drivers
Age Premium
16 $8,018
20 $5,646
30 $3,410
40 $3,326
50 $3,172
60 $3,142

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 $215

Potential Rate Discounts

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

Discount Savings
Multi-policy $83
Multi-vehicle $79
Homeowner $21
5-yr Accident Free $118
5-yr Claim Free $100
Paid in Full/EFT $74
Advance Quote $78
Online Quote $110
Total Discounts $663
Rate after discounts $871

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

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