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Updated on Sep 26, 2023

R.E. Fulton

Expert Insurance Writer and Editor

Reviewed by Josh Damico, Vice President Insurance Operations

Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations

Learn more about our insurance review board

What's on this page?

How much does Volvo car insurance cost?
How to find the cheapest Volvo Car Insurance Quotes
Insurance costs for popular Volvo models
What factors affect Volvo car insurance rates?
How can I lower the cost of my Volvo car insurance?
FAQs
Methodology
Meet Our Experts

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How much does Volvo car insurance cost?

Founded in 1927 but introduced to the U.S. in 1955, Volvo has earned an impressive reputation for its lineup of station wagons, SUVs, and crossover models. With top-notch safety features, consistent excellence in engineering, and technological innovation, you could easily buy and love a Volvo “

For Life

.”

Volvo drivers pay an average of $1,080 per year for

auto insurance

—but every Volvo car insurance policy is unique. There is no real ‘average’ cost of car insurance as your price depends on your unique driver profile. The only way to understand how much your car insurance will cost is to compare car insurance quotes.

How to find the cheapest Volvo Car Insurance Quotes

At Jerry, we think every driver deserves to pay the absolute lowest fee for coverage, which is why Jerry helps drivers get

custom auto insurance quotes

. The Jerry app has already helped Volvo drivers save an average of $2,318 on their car insurance. Think of the cash you could save!

Want to see real prices? Check out the table below for examples of real Volvo car insurance quotes for Jerry drivers.

Date	Car	Insurance Company	Premium (monthly)	Customer Details	Insurance coverage
September 24, 2023	Volvo XC90 3.2	Nationwide	$79	Samuel, 31 Hartford, ME	• 100,000/300,000 Liability • Comp / Collision
September 18, 2023	Volvo XC90 3.2	Plymouth Rock	$118	Alvin, 56 Freeport, ME	• 100,000/300,000 Liability
September 14, 2023	Volvo XC60 3.2	Gainsco	$122	Beatrice, 49 Saint Robert, MO	• State Minimum Liability • Comp / Collision
September 14, 2023	Volvo S60 Premier	Progressive	$219	Ethel, 53 Dallas, TX	• State Minimum Liability • Comp / Collision
September 9, 2023	Volvo S60 T6 Momentum	Safeco	$103	Lina, 29 Texarkana, AR	• 50,000/100,000 Liability • Comp / Collision

Last Updated Sep 24, 2023

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How'd we get this data?

Real Insurance Agents

Jerry is one of the largest insurance agencies licensed in your state and has a team of 100+ licensed insurance agents dedicated to helping customers (7 days a week customer support).

Real Insurance Quotes

Jerry Insurance Agency works with 50+ insurance companies as their appointed broker. We are licensed in all 50 states (NPN: 18788611). Our evaluations are not influenced by insurance companies.

Real Insurance Companies

We spent over 200 hours analyzing data from 25 million+ real insurance quotes in the last year, to provide you with up-to-date insurance information.

Best car insurance companies for Volvo drivers

While every driver could benefit from the same basic insurance policy,

shopping for a policy

is a highly individual process.

The truth is that there is no “best” insurance company for Volvo drivers. However, we did a little research (okay, a lot of research—the largest survey in the nation) to help you compare insurance companies and find the right fit.

Here’s how real Volvo drivers reviewed some major car insurance companies.

Insurance Company	Overall Rating	Price	Claims Experience	Customer Service
Safeco	4.6	4.4	4	4.5
Travelers	4.5	4.2	4.4	4.5
Progressive	4.3	3.9	3.9	4.3
AAA	4.2	4	3.8	4.4
Allstate	4.2	3.6	3.8	4.2
USAA	4	3.5	4.5	4.2
State Farm	4	3.4	3.8	4.2
Farmers	4	3.4	4.1	3.9
Geico	3.9	3.3	3.9	4
Liberty Mutual	3.7	3.2	3.5	3.7

How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

Insurance costs for popular Volvo models

Sedans, crossovers, and SUVs, oh my! Your rates depend on which Volvo model you own. Here’s why your specific model affects your insurance premium:

Safety features: Volvo is known for

great safety ratings

across its entire lineup, but some models are extra impressive (like the XC40 SUV, which earns top crash test ratings).

Value: If your model is worth a lot of money, you’ll pay more to insure it. That’s why a newer

XC90

costs more to insure than a 2017 XC40.

Engine: More horsepower equals a higher risk for speeding tickets and accidents. The S90 T8’s 455-hp engine contributes to its high insurance costs compared to less powerful Volvos.

Repair costs: Some models (especially an electric car like the XC40 Recharge) cost a lot to repair. Repair costs, and the cost of replacement parts, are factored into your insurance costs.

Volvo drivers can check out the table below to review the average cost of auto insurance for some popular Volvo models.

Car	Average State Minimum Insurance Cost	Average Full Coverage Insurance Cost
Volvo S60	$89	$175
Volvo XC90	$90	$156
Volvo XC60	$116	$174
Volvo S40	$106	$176
Volvo S80	$103	$196
Volvo XC40	$72	$144
Volvo XC70	$66	$134

Minimum coverage

is the legal requirement in most states. It usually includes

basic liability insurance

, with bodily injury and property damage protection.

To protect yourself and your vehicle, you need

full coverage insurance

. With

collision

and

comprehensive

coverage, you get protection against damages to you, your Volvo, and other passengers.

"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"

Sean S.

Lower my car insurance too!

Volvo XC60 insurance costs

On the one hand, insuring a midsize luxury SUV like the XC60 can be relatively costly due to its size and value. The starting MSRP for the base trim is just under $45,000.

But there is also a positive aspect to consider. Many recent model year XC60s have been designated as Top Safety Picks by the Insurance Institute for Highway Safety (IIHS), which could have a favorable impact on insurance costs when paired with the appropriate insurance provider.

On average, Volvo XC60 insurance will cost about $174 per month for full coverage or $116 per month for minimum liability coverage.

There are multiple versions of the beloved XC60, from B5 and B5 mild hybrids to T8 plug-in hybrids. Then, there are Core, Plus, and Ultimate trims which replaced the earlier Momentum, R-Design, and Inscription designations.

Core: Starting at $44,545, the Core delivers keyless entry and rain sensing wipers, with 247-hp.

Plus: Starting at $48,795, the Plus earns you more aesthetic wheels and upholstery plus valuable features like a 360-degree camera and parking sensors.

Ultimate: Starting at $54,595, you’ll enjoy a 14-speaker surround sound audio system, head-up display, and 20-inch alloy wheels. This is the only trim with available air suspension.

Recharge: Starting at $58,295, the Recharge is a plug-in hybrid with AWD.

Recharge Plus: Starting at $62,545, the Recharge Plus is also a PHEV but there are additional exterior appearance options.

Recharge Ultimate: Starting at $68,045, enjoy a host of luxurious features like adaptive cruise control and semi-autonomous driving. It gets 63 MPGe, too.

Recharge Polestar Engineered: Starting at $75,245, the Polestar is a top-of-the-line performance vehicle with 455-hp (with supercharger and turbocharger) and AWD.

Here’s how much you might expect your cost to change based on the trim level of your car:

Car Trim	Average State Minimum Insurance Cost	Average Full Coverage Insurance Cost
Volvo XC60 T6	$135	$170
Volvo XC60 T5 Momentum	$59	$171
Volvo XC60 3.2	$97	$162

Electric models and powerful SUVs tend to cost more to repair, which is why you can expect higher insurance prices for these Volvo models as you can see below. Check out some real quotes for real people from Jerry to better understand how your driver profile impacts your cost.

Car	Insurance Company	Premium (monthly)	Customer	Insurance coverage
Volvo XC60 3.2	Progressive	$125	Tommy, 49 Saint Robert, MO	• State Minimum Liability • Comp / Collision
Volvo XC60 3.2	Allstate	$154	Essie, 33 Charlotte, NC	• 50,000/100,000 Liability • Comp / Collision
Volvo XC60 T5	Travelers	$142	Randy, 25 Fall River, MA	• 100,000/300,000 Liability • Comp / Collision
Volvo XC60 T5 Premier	Safeco	$175	Eugenia, 35 Louisville, KY	• State Minimum Liability • Comp / Collision
Volvo XC60 T6	Infinity	$141	Norman, 51 Los Angeles, CA	• State Minimum Liability

Last Updated Sep 26, 2023

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Volvo S90 insurance costs

The cost of a new Volvo S90 sedan can range from $58,000 to upwards of $71,000 for the hybrid option. These prices could raise the cost of your insurance.

You could save some cash by purchasing the 2021 or 2022 S90, both of which were named as Top Safety Picks of the IIHS. It depends on the provider you choose.

According to our research, the average Volvo S90 insurance policy costs $258 per month for full coverage. Below is the average insurance cost of popular Volvo S90 trim levels.

Don’t forget that quotes vary widely from company to company. It also matters which model year you purchase, which trim level, your personal driving history, and your coverage levels.

Some Volvo S90 trim levels will be more expensive to insure than others, from the base Plus to the Recharge Ultimate. Here’s a quick look at the trim levels available for the 2023 S90:

Plus: Starting at $58,095, is an AWD sedan with adaptive cruise control and a 9-inch infotainment screen.

Ultimate: Starting at $63,645, the Ultimate earns you power-adjustable front seats, a premium audio system, and a head-up display.

Recharge Ultimate: Starting at $71,595, this vehicle has a powerful T8 powertrain and gets mileage ratings up to 66 MPGe. Luxury features are standard, like an electric passenger compartment heater and cooler.

Here’s how much you might expect your cost to change based on the trim level of your car:

In the table below, you’ll find real quotes for real people from Jerry to better understand how your driver profile impacts your cost.

Car	Insurance Company	Premium (monthly)	Customer	Insurance coverage
Volvo S90 T5 Momentum	Progressive	$318	Lucy, 25 Austin, TX	• State Minimum Liability • Comp / Collision
Volvo S90 T6 Momentum	Safeco	$256	Flora, 27 Broomfield, CO	• 100,000/300,000 Liability • Comp / Collision
Volvo S90 T5 Momentum	Nationwide	$169	Roy, 33 Morrisville, NC	• State Minimum Liability • Comp / Collision
Volvo S90 T8 Inscription	National General	$195	Mae, 28 Flower Mound, TX	• 50,000/100,000 Liability • Comp / Collision
Volvo S90 T5 Inscription	Plymouth Rock	$287	Adelaide, 27 Far Rockaway, NY	• State Minimum Liability

Last Updated Sep 21, 2023

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Volvo XC90 insurance costs

The 2023 XC90 has a starting MSRP of $57,095—or nearly $81,000, if you’re opting for the top-trim Recharge Ultimate. This hybrid is one of Volvo’s most expensive vehicles, and it comes with higher-than-average insurance costs.

On average, Volvo XC90 insurance costs $156 for full coverage and $90 for state minimum coverage monthly. Your model year, your zip code, and your coverage levels play a major role in determining your car insurance prices, too.

The 2023 Volvo XC90 seats up to seven passengers and comes in six distinct options:

Core: Starting at $57,095, the configuration offers plenty of standard features like a 9-inch infotainment screen with optional WiFi. The Core has AWD and a tow rating of 4,000 lbs. The Climate package is only available on the Core XC90.

Plus: Starting at $60,995, the Plus has optional add-ons including premium sound system, head-up display, and 21-inch wheels. There are also more interior color options and you can opt for the B6 powertrain.

Ultimate: Starting at $70,295, the Ultimate includes the B6 powertrain as a standard feature. This gives it a 5,000-lb tow rating.

Recharge Core: Starting at $72,995, this plug-in hybrid is incredibly powerful—and efficient. Expect 66 MPGe with the T8, or slightly less without.

Recharge Plus: Starting at $74,695, the Recharge Plus gets all the Core features plus headlamp cleaners and leather (not leatherette) upholstery.

Recharge Ultimate: Starting at $80,995, enjoy top-notch driving with a premium sound system, ventilated seats, rear sun door curtains, and a crystal gear selector knob.

Here’s how much you might expect your cost to change based on the trim level of your car:

Car Trim	Average State Minimum Insurance Cost	Average Full Coverage Insurance Cost
Volvo XC90 V8	$104	$159
Volvo XC90 T6	$102	$130
Volvo XC90	$87	$182
Volvo XC90 3.2	$92	$164

Check out some sample insurance quotes for the Volvo XC90 from Jerry customersto better understand how your driver profile impacts your cost.

Car	Insurance Company	Premium (monthly)	Customer	Insurance coverage
Volvo XC90 3.2	Progressive	$99	Celia, 39 Sarasota, FL	• No Coverage Liability
Volvo XC90 3.2	Allstate	$372	Max, 37 Lawrenceville, GA	• 50,000/100,000 Liability • Comp / Collision
Volvo XC90 Plus	AAA	$95	Sam, 63 Washington, DC	• 100,000/300,000 Liability • Comp / Collision
Volvo XC90 T6	Safeco	$94	Floyd, 32 Irving, TX	• State Minimum Liability • Comp / Collision
Volvo XC90 3.2	Nationwide	$79	Ruby, 31 Hartford, ME	• 100,000/300,000 Liability • Comp / Collision

Last Updated Sep 25, 2023

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Volvo XC40 insurance costs

There’s plenty of room for variation in XC40 car insurance costs based on its value. The 2023 gasoline-powered XC40 has a starting MSRP of $37,445 but you can also pay $50,000 for the fully electric XC40 Recharge.

As an SUV, the XC40’s size could make it more expensive to insure than a midsize or compact car. However, it’s also been a Top Safety Pick of the IIHS, which could play a role in bringing down its insurance price.

On average, it costs $144 per month to buy full coverage car insurance for a Volvo XC40.

The 2023 Volvo XC40 SUV is available in six trim levels (excluding the electrified Recharge):

B4 Core: Starting at $37,445, this model gets 194-hp and has front-wheel drive. Tow capacity is 3,500-lbs and the 9-inch touchscreen system is standard across all XC40s.

B5 Core: Starting at $39,445, the B5 gets you a more powerful engine. AWD is standard on B5 models and you can expect 30 highway mpg.

B4 Plus: Starting at $41,845, the interior trim is slightly elevated with metallic instead of wood inlay in places.

B5 Plus: Starting at $43,845, you get the 247-hp engine plus luxury features like crystal gear selector and panoramic sunroof.

B4 Ultimate: Starting at $45,595, the luxury gets even more impressive with driftwood trim and the crystal shift knob.

B5 Ultimate: Starting at $47,595, enjoy the more powerful engine under the hood and more sleek interior features thanks to the Ultimate trim.

Here’s how much you might expect your cost to change based on the trim level of your car:

In the table below, you’ll find real quotes for real Jerry customers to better understand how your driver profile impacts your cost.

Car	Insurance Company	Premium (monthly)	Customer	Insurance coverage
Volvo C40 P8 Recharge Ultimate	Progressive	$149	Tillie, 56 Manitou Springs, CO	• 100,000/300,000 Liability • Comp / Collision

Last Updated Sep 26, 2023

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Are Volvos more expensive to insure?

Compared to the average cost of other cars, Volvos cost 12% less to insure.

Car Make	Average State Minimum Insurance Cost	Average Full Coverage Insurance Cost
Plymouth	$90	$118
Volvo	$90	$168
Volkswagen	$93	$176
Cadillac	$97	$198
BMW	$101	$210

Cheapest Volvos to insure

The cheapest Volvo model to insure is the 2012 Volvo XC70, with an average monthly premium of $25 for state minimum coverage and an average of $66 for full coverage.

Car Make	Average Monthly State Minimum Insurance Cost	Average Monthly Full Coverage Insurance Cost
2012 Volvo XC70	$25	$66
2013 Volvo XC60	$48	$188
2010 Volvo XC90	$48	$204
2019 Volvo S60	$52	$166
2020 Volvo XC60	$59	$185

Most expensive Volvos to insure

The most expensive Volvo model to insure is the 2021 Volvo XC90. Expect an average monthly premium of $180 for state minimum coverage, or an average of $239 for full coverage.

Car Make	Average Monthly State Minimum Insurance Cost	Average Monthly Full Coverage Insurance Cost
2021 Volvo XC90	$180	$239
2016 Volvo XC60	$161	$189
2010 Volvo S40	$138	$212
2010 Volvo V50	$127	$317
2011 Volvo C70	$125	$158

Remember, your make and model are just two of the factors that affect your rate. Your driving history, your zip code, your age, and even your job can sway your rates. Shopping for personalized insurance quotes is a much better way to uncover cheap insurance than relying on average estimates alone.

What factors affect Volvo car insurance rates?

Many different factors play a role in

how car insurance is calculated

, such as:

Vehicle cost: You’ll pay more for full coverage (collision and comprehensive) on luxury and high-performance models (like the XC60).

Vehicle age: Newer models tend to have more complex technology and higher market value—so they usually cost more to insure.

Cost of parts: If you own a rare model (or an electric vehicle), replacement parts can be costly and hard to find. This can drive up insurance prices.

Your age: Drivers under the age of 25 pay the most for coverage, no matter which car they drive. Drivers over 70 years of age pay more than average, too.

Your driving record and claims history: If you have a clean driving history, you’ll enjoy the lowest rates. However, if you have accidents and violations on your record, you’ll have to pay more for coverage.

Where you keep your car: Your zip code and your parking location matter a lot. Dense cities and risky neighborhoods increase the risk of getting into an accident, so you’ll pay more for coverage in these areas.

Here are a few specific factors that impact auto insurance rates for Volvo:

Imports: Most Volvo vehicles are imported from Sweden, although some are manufactured in the USA. This can drive up the cost of insurance because imported replacement parts cost more.

Safety: Volvo receives consistently high ratings for safety. Many of their vehicles have been top safety picks from major insurance bodies like the IIHS.

Reliability: Unfortunately, Volvos do not get the best

reliability ratings

. With higher claims rates for some models, drivers pay higher prices for coverage.

Volvo insurance cost for young drivers

If you’re a Volvo driver between the ages of 16 and 19, you’ll pay the most for insurance.

Teen drivers

who own their own Volvo should definitely consider full coverage, since their accident rates are higher than the rates for drivers who’ve spent more time behind the wheel.

Progressive

Theodore (24 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Charlotte, NC

Volvo S60 2.5T

$106

per month

Safeco

Jeremiah (23 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Mesa, AZ

Volvo S80 T6

$124

per month

Travelers

Mattie (23 years old)

Coverage

State Minimum

Holyoke, MA

Volvo S60 2.5T

$217

per month

State Auto

Johanna (23 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Pricedale, PA

Volvo S80 T6

$214

per month

Infinity

Alex (22 years old)

Coverage

State Minimum

La Mesa, CA

Volvo V50 2.4i

$115

per month

Volvo insurance cost for senior drivers

It’s normal for rates to rise again once you turn 70 years old.

Car insurance rates for seniors

are higher than average because older drivers face additional risks. Not only are they more likely to be involved in accidents but their medical costs after an accident can be significantly higher than the average driver’s.

Progressive

Peter (67 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Miami, FL

Volvo S60

$156

per month

Allstate

Nathan (66 years old)

Coverage

State Minimum

Dallas, TX

Volvo S60 Premier

$151

per month

Safeco

Jon (65 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Studio City, CA

Volvo XC90

$119

per month

Nationwide

Georgia (76 years old)

Coverage

15,000 per person

30,000 per accident bodily injury

Comp / Collision

Camp Verde, AZ

Volvo XC90 3.2

$85

per month

Bristol West

Eula (66 years old)

Coverage

State Minimum

Chicago, IL

Volvo S80 V8

$66

per month

Volvo insurance cost for drivers with driving violations

Traffic tickets will cost you—not just the fine you pay for the ticket, but in high insurance premiums in the future.

Volvo car insurance costs depend on your driving record. If you have no at-fault accidents and no moving violations, you’ll pay the lowest rates of all Volvo drivers. However, some of the following incidents could trigger a major rate hike:

Speeding tickets

DUIs

At fault accidents

Reckless driving

Driving on a suspended license

Cheapest car insurance for Volvo drivers with speeding ticket

Repeated tickets indicate a history of reckless driving. Don’t sweat a single ticket, but do your best to avoid repeated offenses or very serious charges.

Whatever your driving history, Jerry can help. Jerry has helped Volvo drivers save on car insurance even with speeding tickets on their record.

Speeding Type	Car	Insurance Company	Premium (monthly)	Customer	Insurance coverage
Speeding 21+	Volvo S60 Premier	Progressive	$181	Lawrence, 27 Lanham, MD	• State Minimum Liability
Speeding 1-5	Volvo XC70 3.2	Bristol West	$80	Dorothy, 34 Buckeye, AZ	• State Minimum Liability
Speeding 6-10	Volvo S90 T6 Inscription	Mercury	$288	Betty, 26 Harrison, NJ	• 15,000/30,000 Liability • Comp / Collision
Speeding 11-15	Volvo S60 2.5T	National General	$183	Harry, 28 Walterboro, SC	• State Minimum Liability
Speeding 16-20	Volvo XC40 T5 Momentum	Clearcover	$102	Barry, 34 Norfolk, VA	• 30,000/60,000 Liability • Comp / Collision

Last Updated Sep 20, 2023

Cheapest car insurance for Volvo drivers with a DUI record

DUI conviction

is a serious offense, and insurance companies get very nervous when they see a DUI on your record. It’s a key indication that you might reoffend and cause a costly accident.

Disclaimer: To find affordable car insurance with a DUI, you’ll have to shop around a bit. Jerry has helped Volvo drivers find cheap auto insurance rates after a DUI.

Progressive

Gavin (24 years old)

DUI

Coverage

50,000 per person

100,000 per accident bodily injury

Eugene, OR

Volvo V70 XC

$210

per month

Safeco

Olga (31 years old)

DUI

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Atchison, KS

Volvo S60 T5

$233

per month

Safeco

Joseph (36 years old)

DUI

Coverage

State Minimum

Hollister, CA

Volvo XC60 3.2

$77

per month

Bristol West

Ola (49 years old)

DUI

Coverage

50,000 per person

100,000 per accident bodily injury

Silver Spring, MD

Volvo XC60 3.2

$198

per month

Gainsco

Ora (31 years old)

DUI

Coverage

State Minimum

Irondale, AL

Volvo S60 T5

$233

per month

Cheapest car insurance for Volvo drivers after an accident

Look, your claims history is a pretty straightforward indication of your risk profile. If you’ve filed claims for at-fault accidents in the past, it says something about your driving style. If you have at-fault accidents on record, your car insurance rates are likely to be sky-high.

Jerry has helped Volvo drivers save on car insurance after at-fault accidents.

Accident type	Car	Insurance Company	Premium (monthly)	Customer	Insurance coverage
At Fault With No Injury	Volvo S60 2.5T	Progressive	$106	Cory, 24 Charlotte, NC	• 100,000/300,000 Liability • Comp / Collision
At Fault With Injury	Volvo S40 2.4i	Nationwide	$145	Genevieve, 28 Raleigh, NC	• 50,000/100,000 Liability • Comp / Collision
At Fault With No Injury	Volvo XC90 3.2	Allstate	$372	Leah, 37 Lawrenceville, GA	• 50,000/100,000 Liability • Comp / Collision
At Fault With Injury	Volvo XC60 T6 Inscription	Safeco	$173	Betty, 62 Denver, CO	• 100,000/300,000 Liability • Comp / Collision
Not At Fault	Volvo XC90	Travelers	$171	Florence, 37 Halethorpe, MD	• 100,000/300,000 Liability

Last Updated Sep 26, 2023

Cheapest car insurance for Volvo drivers with other driving violations on their record

If you have any other violations on record—like reckless driving or

driving on a suspended license

—your rates could increase. How much? It depends on the offense and on the provider.

Take a look at this list of common driving violations and how Jerry helped these Volvo drivers save on car insurance.

Violation	Car	Insurance Company	Premium (monthly)	Customer	Insurance Coverage
Illegal Turn	Volvo XC90 3.2	Plymouth Rock	$412	Joseph, 46 Astoria, NY	• State Minimum Liability
Defective Equipment	Volvo XC90 V8	Progressive	$112	Bessie, 24 Boulder, CO	• State Minimum Liability
Failure to Obey Signal	Volvo XC40 T5 Momentum	AAA	$273	Owen, 26 Baldwinsville, NY	• 100,000/300,000 Liability • Comp / Collision
Careless Driving	Volvo XC90	Allstate	$66	Angel, 56 Broad Run, VA	• 50,000/100,000 Liability
Driving on Sus. License	Volvo V50 2.4i	National General	$74	Jesse, 26 Hanford, CA	• State Minimum Liability
Failure to Yield	Volvo C30 T5	Travelers	$75	Fanny, 29 Granby, CO	• 100,000/300,000 Liability • Comp / Collision
Improper Passing	Volvo S60 Premier	Progressive	$181	Marvin, 27 Lanham, MD	• State Minimum Liability

Last Updated Sep 21, 2023

How can I lower the cost of my Volvo car insurance?

There are a variety of ways to save money when insuring a Volvo vehicle.

Shop around:

Shopping around for insurance coverage

is the fastest way to find low rates. Use a comparison app to look at free quotes from major companies, and then sign up for the best deal. Jerry can help you cancel your old policy, too.

Opt for a smaller vehicle: Smaller cars tend to cost less to insure, like an S60 instead of an XC40. You’ll save even more money if you buy a used model.

Bundle your insurance policies:

Bundling your home and auto insurance

with the same company can unlock a nice discount.

Ask about discounts: While not specific to Volvo, many companies offer

car insurance discounts

for things like safe driving, autopay, or eStatements. Eligibility requirements vary.

Reduce your coverage: If you drive an older vehicle below a certain value threshold, you may want to consider

reducing coverage

on your collision and comprehensive insurance.

FAQs

Is Volvo insurance expensive?

Yes. They’re more expensive than the average vehicle because Volvo is a luxury brand. They’re also less reliable than other makes. However, Volvos tend to cost less to insure than other luxury brands.

Are Volvo S60 expensive to insure?

The cost of car insurance for a mild hybrid like the S60 can be high—more costly than other Volvo models, at least. Luxury features and hybrid technology drive up the cost of coverage. However, you can lower prices by keeping a clean driving record and unlocking discounts.

Is insurance high on Volvo XC90?

Yes, this luxury SUV tends to trigger higher-than-average insurance prices. Bigger cars mean more technology and most costly repairs. Plus, the market value is simply higher.

Why is Volvo insurance so high?

Volvos are imported luxury vehicles, which means that repair costs, replacement parts, and purchase prices are higher than average. Volvos get good safety ratings but they’re not the most reliable make on the market, according to some studies. That’s why Volvo auto insurance premiums tend to be higher than for many other makes.

Are Volvos expensive to insure?

Compared to non-luxury brands, Volvos can be expensive to insure. However, compared to other luxury brands, Volvos are actually more affordable to insure. Keep in mind that your insurance premium depends on the specific model, the model year, and your own driving history.

What kind of insurance coverage do I need for my Volvo?

All drivers need coverage that meets or exceeds their

state minimum

. In most places, this is basic liability coverage. However, liability does not protect you or your Volvo. Consider full coverage which includes collision and comprehensive. You’ll need full coverage if your Volvo is financed, as lenders require this kind of protection. Financed vehicles are typically offered

gap insurance

by the retailer, as well. Note that some states do require uninsured motorist protection and personal injury protection (PIP).

What is the cheapest car to insure?

On average, Subaru, Ford, and Mazda entry-level models are

the cheapest to insure in 2023

. The cheapest Volvo to insure for most drivers will be the XC40. But lower rates aren’t everything—make sure you pick a model that fits your needs!

How much does it cost to insure a 2004 Volvo?

Most drivers will spend an average of between $60 and $90 per month to insure a 2004 Volvo. It depends on the specific model and your own driving history. Plus, rates vary between companies.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.

Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).

We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.

For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.

Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet Our Experts

R.E. Fulton

Expert Insurance Writer and Editor

R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.

As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.

Lina Zhang

Licensed Insurance Agent

Licensed in 50 states and Washington DC

Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.

Josh Damico

Head Of Insurance Operations

18+ Years Experience in Insurance

Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.

*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.