Volvo C30 Insurance Rates

Even though shopping for insurance on a Volvo C30 can feel overwhelming at times, finding affordable rates doesn’t have to be that difficult.

Insurance quotes for these compact hatchbacks can vary based on a variety of reasons such as the safety ratings of the vehicle, fair market pricing, and more.

This comprehensive article is designed to provide you with all of this information so you can take the first step towards securing an affordable insurance policy for a Volvo C30.

When you’re ready to start comparing quotes, enter your five-digit ZIP code in the box above.

Average insurance rates for a Volvo C30 are $1,006 a year for full coverage insurance. Comprehensive insurance costs an estimated $160, collision insurance costs $214, and liability is $474. Buying just liability costs around $522 a year, and insurance for high-risk drivers costs $2,164 or more. Teenage drivers receive the highest rates at up to $4,064 a year.

Average premium for full coverage: $1,006

Rate estimates broken down by individual coverage type:

Rate estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 states and for all C30 models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can have significant affects on the price of insurance. More rural locations tend to have a lower frequency of physical damage claims than densely populated cities. The example below illustrates the difference location can make on insurance prices.

These examples illustrate why everyone should compare rates quotes for a targeted area and risk profile, instead of using average rates.

Use the form below to get customized rates for your location.

Additional Rate Analysis

The chart below illustrates average Volvo C30 insurance rates for other coverage scenarios.

• The best discount rate is $610
• Raising to $1,000 deductibles will save approximately $86 each year
• The average rate for a 40-year-old driver who has $500 deductibles is $1,006
• Using pricier low deductibles will cost an extra $160 every year
• At-risk drivers who are prone to accidents and violations could pay up to $2,164
• The cost for full coverage for a teen driver for full coverage can cost as much as $4,064

View Chart as Image

Auto insurance rates for a Volvo C30 can also vary considerably based on your driver profile, the model year and trim level, and liability limits and deductibles.

A more mature driver with a good driving record and high deductibles may pay as little as $1,000 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even good drivers will have to pay at least $4,000 a year. View Rates by Age

Where you live also has a big influence on Volvo C30 insurance prices. A middle-age driver might find rates as low as $660 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,360 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $250 every year, whereas buying more liability protection will increase premiums. Switching from a 50/100 limit to a 250/500 limit will cost as much as $426 extra every year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying $1,200 to $1,700 in extra premium per year, depending on your age. Volvo C30 insurance for high-risk drivers is expensive and can cost as much as 42% to 133% more than a normal policy. View High Risk Driver Rates

Insurance Rates by Trim Level and Model Year

Rates assume 2008 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.

How to Find the Best Volvo C30 Insurance

Saving money on car insurance consists of avoiding accidents and violations, having good credit, avoid buying unnecessary coverage, and consideration of higher deductibles. Make time to compare rates at least every other year by getting rate quotes from direct insurance companies like GEICO and Progressive, and also from several local insurance agents.

The list below is a brief recap of the car insurance concepts touched on in this article.

• Higher risk drivers who tend to receive serious violations pay on average $1,160 more annually for car insurance
• It is possible to save approximately $110 per year just by quoting online well ahead of the renewal date
• Increasing deductibles can save around $250 each year
• Policyholders who want higher liability limits will pay an extra $520 annually to raise from a minimum limit to 250/500 limits

After reviewing this information, it’s clear to see that a number of factors ultimately determine insurance rates for this Swedish hatchback.

For example, the average insurance rate for people who live in rural areas is $959. This is far more affordable than city-dwellers who have an average premium rate of $1,725.

How does the size and class of the Volvo C30 affect liability rates?

In the auto world, liability insurance is a form of coverage that pays for damages that were your fault. Most states require you to carry a minimum amount of coverage on your policy in order to pay for things like medical expenses and lost wages for the other person involved.

Since this is the most basic form of coverage, you are likely curious to know how these rates are calculated. Any insurance provider that offers you a quote will look at the size and class of the Volvo C30 to determine your liability rate.

The Insurance Institute for Highway Safety (IIHS) classifies the Volvo C30 as a midsize two-door hatchback. Other comparable models include the Honda Civic Type-R and Hyundai Veloster N.

There is plenty of upside to having a midsized car with a rear liftgate. These types of hatchbacks, like the Volvo C30, are great on gas mileage while still providing the versatility to use the rear seats and cargo area like an SUV.

However, the Volvo C30 is still smaller and lighter than any SUV, which means that it is more prone to severe damage in the event of a collision. Insurance providers know that this means that you are at greater risk of getting injured in this type of car, and take that into account when factoring your liability rates.

Despite the fact that smaller cars at a disadvantage to heavier vehicles in overall safety, there is still a silver lining. So long as a particular model scores well for its class, you can still obtain a reasonable insurance rate. And the good news is that the Volvo C30 performed well in crash tests.

As you can see from the video, the Volvo C30 handled itself well during its IIHS evaluation. While the preceding clip only measured the moderate overlap front part of the vehicle, the Volvo C30 received an overall score of “Good.” 

What does liability insurance cost for a Volvo C30?

Now that we’ve learned how liability rates are calculated, the next logical step is to see how this translates to actual dollars and cents. As it turns out, how much you pay for liability insurance on a Volvo C30 depends on the level of coverage you want to get.

Generally speaking, the minimum legal amount of coverage is up to $25,000. However, you might be curious to be insured for up to $50,000 or $100,000. Take a look at the following liability rates for the Volvo C30 based on which level of coverage you want to receive.

• Low ($25,000/$50,000): $109.68
• Medium ($50,000/$100,000): $133.08
• High ($100,000/$200,000): $146.25

While these quotes are general, it still provides us with an accurate picture of what you can expect to pay. Ultimately, the difference between low to high coverage is $36.57, and the highest form of coverage provides you with a lot more protection.

Another form of coverage that will be included in your liability policy is property damage insurance. This type of insurance will pay for any damage that was done to the other party’s property, including their vehicle. This is helpful in the event that the other driver’s vehicle suffers major damage or gets totaled.

Take a look at the following property damage liability quotes on the Volvo C30 based on the level of coverage.

• Low ($25,000): $118.97 
• Medium ($50,000): $125.52
• High ($100,000): $129.69

As an itemized cost, the property damage insurance on a Volvo C30 will only cost $10.72 more from the lowest to the highest level, yet the policy covers you for up to $95,000 more in damages. If you are a person who calculates risk-reward ratios, it’s clear to see that getting more coverage is a safer bet.

What are the safety features and ratings of the Volvo C30?

Beyond the structural design of a vehicle, auto manufacturers also include a number of features that contribute to a model’s overall safety. These safety features evolve over time, which is why there are vehicles on the road today that have driver-assist technology, something that was unheard of years ago.

In the case of the Volvo C30, AutoBlog.com provided a list of helpful safety features on the model that contribute to its overall safety rating. These features include the following:

• Stability Control – This feature automatically senses when the vehicle’s handling limits have been exceeded and reduces engine power and applies select brakes to help prevent the driver from losing control.
• Anti-Whiplash – These head restraints actively react to rear collision forces and cradle the occupants’ head in an effort to reduce the likelihood of a whiplash injury.
• Anti-Theft Security – This technology anticipates and detects unwanted vehicle intrusion. The vehicle is equipped with an ignition-disable device that will prevent the engine from starting if the correct original manufacturer key is not used.

While these are only three of the Volvo C30’s many safety features, you can see how this technology contributes to the overall safety ratings of the hatchback. And even though the safety efforts of the car itself are impressive, insurance rates on the Volvo C30 are still tied to its size and class as a whole.

The IIHS reports that out of 9,736,590 registered midsized cars, a total of 396 deaths have been reported for this class. Broken down, that is a fatality rate of 41 per one million registered people who drive a model like the Volvo C30.

Furthermore, fatality statistics for midsize cars vary based on the point of impact from which the crash occurred. Take a look at the following data to see how different parts of the vehicle yield varying results in real crashes that occur on public roadways:

• Frontal Impact: 7,433 deaths  
• Side Impact: 3,568 deaths 
• Rear Impact: 834 deaths
• Other (mostly rollovers): 1,303 deaths

These figures suggest that frontal impact crashes, such as a head-to-head collision, are the deadliest. This is not only true of midsized cars like the Volvo C30, but all vehicle types due to the sheer amount of force that is generated when a car comes face-first with another object.

What is the MSRP of the Volvo C30?

The Manufacturer’s Suggested Retail Price (MSRP) is used to determine a fair purchasing price for any particular model. Odds are you will see this acronym on dealership websites and third-party evaluators like Kelley Blue Book.

Since the last model-year for the Volvo C30 was 2013, there is not an official MSRP listed for this model anymore. Still, there are plenty of these models available for sale if you look around. So in order to figure out what you can expect to pay for this car, we will look at the fair market range of the vehicle.

According to Kelley Blue Book, the fair market value for a Volvo C30 is $5,547 to $7,456, with a typical listing price of $6,892. 

Now that you know how much the vehicle costs, you might be wondering how that impacts other forms of insurance, such as collision and comprehensive policies.

• Collision car insurance is a type of coverage that will pay for any costs associated with repairing or even replacing your vehicle if it gets damaged after colliding with another car or object.
• Comprehensive car insurance protects you from any damage sustained to your vehicle that is outside of your control, such as a tree falling on top of your C30 when it is parked on the street.

Why is this important to know?

Insurance providers will look at how many claims are made on the Volvo C30 for both collision and comprehensive policies. If the model shows an unfavorable loss percentage, your rates for either form of coverage will be higher.

As it turns out, the IIHS reports a loss ratio of -3 percent for collision and 4 percent for comprehensive on the Volvo C30. Both of these percentages are considered average for its size and class, meaning that you won’t be paying more than you should for either form of coverage.

How much will it cost to repair my Volvo C30?

Experts from RepairPal report that the average cost to repair a Volvo C30 is $720 per year. This includes regularly scheduled maintenance appointments like tire rotations and oil changes.

Anybody who regularly drives understands the importance of vehicle upkeep. But even the most attentive drivers sometimes run into more serious mechanical problems.

In order to have a clear understanding of which parts of the Volvo C30 are more expensive to repair than others, take a look at the following rates taken from Instant Estimator:

• Front Bumper: $469.80
• Rear Bumper: $479.80
• Hood: $441
• Roof: $525
• Front Door: $442.20
• Back Door: $429
• Fender: $399
• Quarter Panel: $413

Since the rear bumper is the most expensive part of the vehicle to repair with an average repair bill of $479.80, getting rear-ended is going to hurt your bank account the most.

However, if you sign up with an effective insurance policy with an adequate level of coverage, you won’t have to keep double-checking your rearview mirror every time you come upon a stoplight.

Now that we have gone into depth about how insurance quotes are calculated for the Volvo C30, is there anything we might have missed? If not, you are in an excellent position to obtain an effective quote for the right rate. Get started now by taking advantage of our free online quote tool.