Volvo C30 Insurance Rates

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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...

Insurance Lawyer

UPDATED: Jun 4, 2023

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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.

Estimated insurance prices for a Volvo C30 are $972 every 12 months for full coverage insurance. Comprehensive insurance costs on average $154, collision insurance costs $192, and liability costs $468. Liability-only insurance costs as little as $518 a year, and high-risk driver insurance costs $2,092 or more. Teen drivers pay the most at up to $3,952 a year.

Average premium for full coverage: $972

Premium estimates by type of coverage:

Comprehensive $154
Collision $192
Liability $468

Includes $500 deductible amounts, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 states and for different C30 trim levels.

Insurance Price Range by Risk and Coverage

For a driver around age 40, insurance rates for a Volvo C30 range from the cheapest price of $518 for basic liability insurance to a much higher rate of $2,092 for a high-risk insurance policy.

Liability Only $518
Full Coverage $972
High Risk $2,092

Insurance Price Range by Location

Your location can have significant affects on insurance rates. Rural areas are statistically proven to have more infrequent physical damage claims than larger metro areas. The price range example below illustrates the difference between rural and urban areas on car insurance rates.

Rural Areas $729
Small Cities $1,021
Large Cities $1,312

These rate differences illustrate why anyone shopping for car insurance should compare rates based on a specific location and their own driving history, instead of using price averages.

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

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

Rate Comparisons

The chart below illustrates average Volvo C30 insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $593
  • Drivers who choose higher $1,000 deductibles will pay around $78 each year
  • The average price for a 40-year-old good driver with $500 deductibles is $972
  • Choosing more expensive low deductibles for comprehensive and collision insurance costs an extra $150 every year
  • Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,092
  • An auto insurance policy to insure a teen driver with full coverage may cost $3,952 a year

View Chart as Image

Volvo C30 insurance cost comparison chart
Column chart showing Volvo C30 insurance prices range from $593 to $3,952 for full coverage

Insurance prices for a Volvo C30 also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the trim level of your C30.

Choosing high deductibles could save up to $230 every year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $421 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles may pay as little as $900 per year on average, or $75 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers should be prepared to pay upwards of $3,900 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are probably paying at a minimum $1,200 to $1,700 additional annually, depending on your age. High-risk driver insurance can cost as much as 43% to 137% more than average. View High Risk Driver Rates

Where you choose to live makes a big difference in Volvo C30 insurance prices. A 40-year-old driver could pay as low as $640 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,320 on average in Michigan, New York, and Florida.

Volvo C30 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $882 -$90 -9.3%
Alaska $748 -$224 -23.0%
Arizona $808 -$164 -16.9%
Arkansas $972 -$0 0.0%
California $1,108 $136 14.0%
Colorado $932 -$40 -4.1%
Connecticut $1,002 $30 3.1%
Delaware $1,102 $130 13.4%
Florida $1,220 $248 25.5%
Georgia $898 -$74 -7.6%
Hawaii $698 -$274 -28.2%
Idaho $658 -$314 -32.3%
Illinois $728 -$244 -25.1%
Indiana $732 -$240 -24.7%
Iowa $656 -$316 -32.5%
Kansas $926 -$46 -4.7%
Kentucky $1,328 $356 36.6%
Louisiana $1,440 $468 48.1%
Maine $602 -$370 -38.1%
Maryland $802 -$170 -17.5%
Massachusetts $780 -$192 -19.8%
Michigan $1,692 $720 74.1%
Minnesota $814 -$158 -16.3%
Mississippi $1,168 $196 20.2%
Missouri $864 -$108 -11.1%
Montana $1,046 $74 7.6%
Nebraska $770 -$202 -20.8%
Nevada $1,168 $196 20.2%
New Hampshire $702 -$270 -27.8%
New Jersey $1,088 $116 11.9%
New Mexico $862 -$110 -11.3%
New York $1,026 $54 5.6%
North Carolina $560 -$412 -42.4%
North Dakota $798 -$174 -17.9%
Ohio $672 -$300 -30.9%
Oklahoma $998 $26 2.7%
Oregon $892 -$80 -8.2%
Pennsylvania $930 -$42 -4.3%
Rhode Island $1,300 $328 33.7%
South Carolina $882 -$90 -9.3%
South Dakota $822 -$150 -15.4%
Tennessee $854 -$118 -12.1%
Texas $1,174 $202 20.8%
Utah $720 -$252 -25.9%
Vermont $668 -$304 -31.3%
Virginia $584 -$388 -39.9%
Washington $754 -$218 -22.4%
West Virginia $892 -$80 -8.2%
Wisconsin $672 -$300 -30.9%
Wyoming $868 -$104 -10.7%

View Chart as Image

Volvo C30 insurance rates by U.S. city

Insurance Rates by Trim Level and Model Year

Volvo C30 Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Volvo C30 T5 $956 $80
Volvo C30 T5 R-Design $972 $81

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.

Volvo C30 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2008 Volvo C30 $154 $192 $468 $972

Rates are averaged for all Volvo C30 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Shop for the Cheapest Volvo C30 Insurance

Finding better rates on car insurance not only requires having a good driving record, but also having above-average credit, paying for small claims out-of-pocket, and dropping full coverage on older vehicles. Set aside time to compare rates at least every other year by requesting rates from direct insurance companies, and also from several local insurance agents.

The next list is a recap of the car insurance concepts covered above.

  • Higher risk drivers that have major violations or accidents pay on average $1,120 more each year to buy Volvo C30 insurance
  • It is possible to save as much as $110 per year just by shopping early and online
  • Increasing policy deductibles could save as much as $225 each year
  • Policyholders who require increased levels of liability coverage will pay about $520 annually to go from 30/60 bodily injury limits to a 250/500 level

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.

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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.

Rates by Driver Age

Volvo C30 Insurance Rates by Driver Age
Driver Age Premium
16 $3,952
20 $2,224
30 $988
40 $972
50 $894
60 $876

Full coverage, $500 deductibles

Rates by Deductible

Volvo C30 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,122
$250 $1,054
$500 $972
$1,000 $894

Full coverage, driver age 40

Rates by Liability Limit

Volvo C30 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $972
50/100 $1,066
100/300 $1,183
250/500 $1,487
100 CSL $1,112
300 CSL $1,370
500 CSL $1,557

Full coverage, driver age 40

Rates for High Risk Drivers

Volvo C30 Insurance Rates for High Risk Drivers
Age Premium
16 $5,554
20 $3,544
30 $2,108
40 $2,092
50 $2,002
60 $1,980

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 $129

Potential Rate Discounts

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

Discount Savings
Multi-policy $49
Multi-vehicle $52
Homeowner $18
5-yr Accident Free $58
5-yr Claim Free $61
Paid in Full/EFT $34
Advance Quote $42
Online Quote $65
Total Discounts $379
Rate after discounts $593

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

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