Prachi is an insurance writer with a master's degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry.
Leslie Kasperowicz is an insurance expert with four years of direct agency experience and over a decade of creating educational content to help insurance shoppers make confident, informed decisions.
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The average car insurance cost for Volvo vehicles is $2,939 per year or $245 per month. Volvo car insurance costs vary depending on the model you own. Whether you drive a sedan or a powerful SUV, it's important to know how much insurance will cost and how to reduce it.
Below, we look at the average car insurance cost for Volvo cars by model. We also highlight the most and least expensive models to insure and share tips to help you save money.
How much does Volvo insurance cost?
On average, Volvo drivers pay $2,939 per year or $245 per month for full coverage car insurance.
The average cost of insuring Volvo vehicles is $276, which is more than the national average, though some models cost much less or much more than others.
| Vehicle model | Liability-only (50/100/50) | Full coverage (100/300/100, $500 ded.) |
|---|---|---|
| C40 Recharge | $1,157 | $3,139 |
| S60 | $1,146 | $3,074 |
| S90 | $1,103 | $3,580 |
| V60 | $1,024 | $3,049 |
| V90 | $1,048 | $3,006 |
| XC40 | $1,032 | $2,324 |
| XC40 Recharge | $1,095 | $2,853 |
| XC60 | $1,043 | $2,609 |
| XC90 | $1,098 | $2,872 |
Tip
If you're shopping for a new or used Volvo, compare car insurance rates before you buy so you know your estimated rate ahead of time and aren't surprised by the cost.
Volvo car insurance cost by model
Here's a closer look at average monthly premiums for popular Volvo models. Rates are based on a 40-year-old driver with a clean record and full coverage.
| Vehicle model | Monthly premium |
|---|---|
| C40 Recharge | $262 |
| S60 | $256 |
| S90 | $298 |
| V60 | $254 |
| V90 | $251 |
| XC40 | $194 |
| XC40 Recharge | $238 |
| XC60 | $217 |
| XC90 | $239 |
Choose Your Vehicle Model
Volvo S60 insurance cost
- The average car insurance cost for S60 is $3,080 per year.
- Trim Level - S60 B5 Core, S60 B5 Plus, S60 B5 Plus Black Edition, S60 B5 Ultimate, S60 Recharge T8 Core, S60 Recharge T8 Plus, S60 Recharge T8 Plus Black Edition, S60 Recharge T8 Ultimate, S60 Recharge T8 Ultimate Black Edition
The average cost to insure Volvo S60 is around $3,080 per year for full coverage, which is $257 per month.
For liability-only coverage, the cost is around $925 per year, or about $77 per month.
The premiums shown below are based on our sample driver profile — a 40-year-old male driver driving Volvo S60 with full coverage. Auto insurance costs can vary significantly based on factors like age, location, driving history and insurance company.
Read on to learn more about the cost of insurance for Volvo models.
| Year and model | Average annual premium |
|---|---|
| 2024 Volvo S60 | $3,081 |
| 2023 Volvo S60 | $3,025 |
| 2022 Volvo S60 | $2,745 |
| 2021 Volvo S60 | $2,627 |
| 2020 Volvo S60 | $2,557 |
| 2019 Volvo S60 | $2,429 |
| 2018 Volvo S60 | $2,172 |
| 2017 Volvo S60 | $2,066 |
| Company | Average annual premium | Average monthly premium |
|---|---|---|
| GEICO | $2,333 | $194 |
| State Farm | $2,562 | $214 |
| Nationwide | $3,167 | $264 |
| Progressive | $3,309 | $276 |
| Farmers | $3,345 | $279 |
| Allstate | $3,767 | $314 |
| State | Average annual premium | % Diff from national average |
|---|---|---|
| Alabama | $2,773 | 4% more |
| Alaska | $2,769 | 4% more |
| Arizona | $2,818 | 6% more |
| Arkansas | $3,224 | 21% more |
| California | $4,694 | 76% more |
| Colorado | $3,926 | 47% more |
| Connecticut | $3,383 | 27% more |
| Delaware | $3,065 | 15% more |
| Florida | $3,331 | 25% more |
| Georgia | $4,240 | 59% more |
| Hawaii | $1,753 | 34% less |
| Idaho | $1,909 | 28% less |
| Illinois | $3,013 | 13% more |
| Indiana | $2,720 | 2% more |
| Iowa | $2,719 | 2% more |
| Kansas | $3,426 | 29% more |
| Kentucky | $3,820 | 43% more |
| Louisiana | $4,809 | 81% more |
| Maine | $2,200 | 17% less |
| Maryland | $2,942 | 10% more |
| Massachusetts | $2,862 | 7% more |
| Michigan | $3,925 | 47% more |
| Minnesota | $3,219 | 21% more |
| Mississippi | $2,963 | 11% more |
| Missouri | $4,115 | 55% more |
| Montana | $3,092 | 16% more |
| Nebraska | $3,241 | 22% more |
| Nevada | $2,750 | 3% more |
| New Hampshire | $2,360 | 11% less |
| New Jersey | $2,664 | Equal |
| New Mexico | $3,092 | 16% more |
| New York | $2,418 | 9% less |
| North Carolina | $2,738 | 3% more |
| North Dakota | $2,798 | 5% more |
| Ohio | $2,059 | 23% less |
| Oklahoma | $3,061 | 15% more |
| Oregon | $2,684 | 1% more |
| Pennsylvania | $3,312 | 24% more |
| Rhode Island | $3,899 | 46% more |
| South Carolina | $2,818 | 6% more |
| South Dakota | $3,847 | 44% more |
| Tennessee | $3,293 | 24% more |
| Texas | $4,548 | 71% more |
| Utah | $2,429 | 9% less |
| Vermont | $2,272 | 15% less |
| Virginia | $1,930 | 28% less |
| Washington | $2,678 | 1% more |
| Washington, D.C. | $3,535 | 33% more |
| West Virginia | $2,963 | 11% more |
| Wisconsin | $2,329 | 13% less |
| Wyoming | $3,444 | 29% more |
Volvo S90 insurance cost
- The average car insurance cost for S90 is $3,585 per year.
- Trim Level - S90 B6 Plus, S90 B6 Ultimate, S90 Recharge Plug-In Hybrid T8 Plus, S90 Recharge Plug-In Hybrid T8 Ultimate
The average cost to insure Volvo S90 is around $3,585 per year for full coverage, which is $299 per month.
For liability-only coverage, the cost is around $895 per year, or about $75 per month.
The premiums shown below are based on our sample driver profile — a 40-year-old male driver driving Volvo S90 with full coverage. Auto insurance costs can vary significantly based on factors like age, location, driving history and insurance company.
Read on to learn more about the cost of insurance for Volvo models.
| Year and model | Average annual premium |
|---|---|
| 2024 Volvo S90 | $3,584 |
| 2023 Volvo S90 | $3,279 |
| 2022 Volvo S90 | $3,172 |
| 2021 Volvo S90 | $2,877 |
| 2020 Volvo S90 | $2,762 |
| 2019 Volvo S90 | $2,607 |
| 2018 Volvo S90 | $2,516 |
| 2017 Volvo S90 | $2,362 |
| Company | Average annual premium | Average monthly premium |
|---|---|---|
| State Farm | $2,934 | $244 |
| GEICO | $3,411 | $284 |
| Farmers | $3,509 | $292 |
| Nationwide | $3,713 | $309 |
| Progressive | $3,875 | $323 |
| Allstate | $4,064 | $339 |
| State | Average annual premium | % Diff from national average |
|---|---|---|
| Alabama | $3,248 | 22% more |
| Alaska | $2,883 | 8% more |
| Arizona | $3,181 | 19% more |
| Arkansas | $3,860 | 45% more |
| California | $5,006 | 88% more |
| Colorado | $4,692 | 76% more |
| Connecticut | $3,808 | 43% more |
| Delaware | $3,351 | 26% more |
| Florida | $3,602 | 35% more |
| Georgia | $4,915 | 85% more |
| Hawaii | $1,994 | 25% less |
| Idaho | $2,224 | 16% less |
| Illinois | $3,388 | 27% more |
| Indiana | $3,195 | 20% more |
| Iowa | $3,176 | 19% more |
| Kansas | $3,667 | 38% more |
| Kentucky | $4,398 | 65% more |
| Louisiana | $5,401 | 103% more |
| Maine | $2,429 | 9% less |
| Maryland | $3,486 | 31% more |
| Massachusetts | $3,428 | 29% more |
| Michigan | $4,619 | 73% more |
| Minnesota | $3,987 | 50% more |
| Mississippi | $3,627 | 36% more |
| Missouri | $4,829 | 81% more |
| Montana | $3,843 | 44% more |
| Nebraska | $3,882 | 46% more |
| Nevada | $3,099 | 16% more |
| New Hampshire | $2,723 | 2% more |
| New Jersey | $3,147 | 18% more |
| New Mexico | $3,573 | 34% more |
| New York | $3,041 | 14% more |
| North Carolina | $3,173 | 19% more |
| North Dakota | $3,377 | 27% more |
| Ohio | $2,319 | 13% less |
| Oklahoma | $3,528 | 32% more |
| Oregon | $3,118 | 17% more |
| Pennsylvania | $3,683 | 38% more |
| Rhode Island | $4,753 | 78% more |
| South Carolina | $3,341 | 25% more |
| South Dakota | $5,110 | 92% more |
| Tennessee | $4,020 | 51% more |
| Texas | $5,290 | 99% more |
| Utah | $2,839 | 7% more |
| Vermont | $2,579 | 3% less |
| Virginia | $2,447 | 8% less |
| Washington | $3,034 | 14% more |
| Washington, D.C. | $4,241 | 59% more |
| West Virginia | $3,526 | 32% more |
| Wisconsin | $2,737 | 3% more |
| Wyoming | $3,939 | 48% more |
Volvo V60 insurance cost
- The average car insurance cost for V60 is $3,063 per year.
- Trim Level - V60 Cross Country B5 Plus, V60 Cross Country B5 Ultimate, V60 T8 Polestar Engineered
The average cost to insure Volvo V60 is around $3,063 per year for full coverage, which is $255 per month.
For liability-only coverage, the cost is around $858 per year, or about $72 per month.
The premiums shown below are based on our sample driver profile — a 40-year-old male driver driving Volvo V60 with full coverage. Auto insurance costs can vary significantly based on factors like age, location, driving history and insurance company.
Read on to learn more about the cost of insurance for Volvo models.
| Year and model | Average annual premium |
|---|---|
| 2024 Volvo V60 | $3,063 |
| 2023 Volvo V60 | $3,032 |
| 2022 Volvo V60 | $2,804 |
| 2021 Volvo V60 | $2,336 |
| 2020 Volvo V60 | $2,299 |
| 2019 Volvo V60 | $2,138 |
| 2018 Volvo V60 | $2,130 |
| 2017 Volvo V60 | $1,986 |
| Company | Average annual premium | Average monthly premium |
|---|---|---|
| GEICO | $2,410 | $201 |
| State Farm | $2,520 | $210 |
| Nationwide | $2,967 | $247 |
| Farmers | $3,270 | $272 |
| Allstate | $3,519 | $293 |
| Progressive | $3,690 | $308 |
| State | Average annual premium | % Diff from national average |
|---|---|---|
| Alabama | $2,792 | 5% more |
| Alaska | $2,642 | 1% less |
| Arizona | $2,698 | 1% more |
| Arkansas | $3,225 | 21% more |
| California | $4,258 | 60% more |
| Colorado | $3,905 | 47% more |
| Connecticut | $3,336 | 25% more |
| Delaware | $2,849 | 7% more |
| Florida | $3,203 | 20% more |
| Georgia | $4,158 | 56% more |
| Hawaii | $1,754 | 34% less |
| Idaho | $1,805 | 32% less |
| Illinois | $2,863 | 8% more |
| Indiana | $2,472 | 7% less |
| Iowa | $2,641 | 1% less |
| Kansas | $2,998 | 13% more |
| Kentucky | $3,867 | 45% more |
| Louisiana | $5,094 | 91% more |
| Maine | $2,138 | 20% less |
| Maryland | $2,946 | 11% more |
| Massachusetts | $3,023 | 14% more |
| Michigan | $3,892 | 46% more |
| Minnesota | $3,135 | 18% more |
| Mississippi | $3,342 | 25% more |
| Missouri | $4,135 | 55% more |
| Montana | $3,175 | 19% more |
| Nebraska | $3,187 | 20% more |
| Nevada | $2,690 | 1% more |
| New Hampshire | $2,393 | 10% less |
| New Jersey | $2,781 | 4% more |
| New Mexico | $3,014 | 13% more |
| New York | $2,690 | 1% more |
| North Carolina | $3,024 | 14% more |
| North Dakota | $2,757 | 4% more |
| Ohio | $1,907 | 28% less |
| Oklahoma | $2,931 | 10% more |
| Oregon | $2,624 | 1% less |
| Pennsylvania | $3,339 | 25% more |
| Rhode Island | $3,403 | 28% more |
| South Carolina | $2,721 | 2% more |
| South Dakota | $4,141 | 56% more |
| Tennessee | $3,418 | 28% more |
| Texas | $4,620 | 73% more |
| Utah | $2,382 | 11% less |
| Vermont | $2,536 | 5% less |
| Virginia | $1,938 | 27% less |
| Washington | $2,402 | 10% less |
| Washington, D.C. | $3,624 | 36% more |
| West Virginia | $2,920 | 10% more |
| Wisconsin | $2,306 | 13% less |
| Wyoming | $3,607 | 35% more |
Volvo V90 insurance cost
- The average car insurance cost for V90 is $3,026 per year.
- Trim Level - V90 Cross Country B6 Plus, V90 Cross Country B6 Ultimate
The average cost to insure Volvo V90 is around $3,026 per year for full coverage, which is $252 per month.
For liability-only coverage, the cost is around $848 per year, or about $71 per month.
The premiums shown below are based on our sample driver profile — a 40-year-old male driver driving Volvo V90 with full coverage. Auto insurance costs can vary significantly based on factors like age, location, driving history and insurance company.
Read on to learn more about the cost of insurance for Volvo models.
| Year and model | Average annual premium |
|---|---|
| 2024 Volvo V90 | $3,026 |
| 2023 Volvo V90 | $2,929 |
| 2022 Volvo V90 | $2,843 |
| 2021 Volvo V90 | $2,754 |
| 2020 Volvo V90 | $2,627 |
| 2019 Volvo V90 | $2,553 |
| 2018 Volvo V90 | $2,284 |
| 2017 Volvo V90 | $2,388 |
| Company | Average annual premium | Average monthly premium |
|---|---|---|
| Progressive | $2,031 | $169 |
| State Farm | $2,653 | $221 |
| GEICO | $2,676 | $223 |
| Farmers | $3,383 | $282 |
| Nationwide | $3,429 | $286 |
| Allstate | $3,986 | $332 |
| State | Average annual premium | % Diff from national average |
|---|---|---|
| Alabama | $2,729 | 2% more |
| Alaska | $2,521 | 5% less |
| Arizona | $2,758 | 4% more |
| Arkansas | $3,048 | 14% more |
| California | $4,274 | 60% more |
| Colorado | $4,017 | 51% more |
| Connecticut | $3,240 | 22% more |
| Delaware | $2,852 | 7% more |
| Florida | $3,164 | 19% more |
| Georgia | $3,907 | 47% more |
| Hawaii | $1,848 | 31% less |
| Idaho | $2,065 | 22% less |
| Illinois | $2,947 | 11% more |
| Indiana | $2,519 | 5% less |
| Iowa | $2,693 | 1% more |
| Kansas | $3,437 | 29% more |
| Kentucky | $3,803 | 43% more |
| Louisiana | $4,428 | 66% more |
| Maine | $2,186 | 18% less |
| Maryland | $2,803 | 5% more |
| Massachusetts | $2,691 | 1% more |
| Michigan | $3,763 | 41% more |
| Minnesota | $3,580 | 34% more |
| Mississippi | $3,022 | 13% more |
| Missouri | $4,168 | 57% more |
| Montana | $3,041 | 14% more |
| Nebraska | $3,292 | 24% more |
| Nevada | $2,568 | 4% less |
| New Hampshire | $2,339 | 12% less |
| New Jersey | $2,628 | 1% less |
| New Mexico | $3,118 | 17% more |
| New York | $2,585 | 3% less |
| North Carolina | $3,141 | 18% more |
| North Dakota | $2,869 | 8% more |
| Ohio | $1,837 | 31% less |
| Oklahoma | $3,074 | 15% more |
| Oregon | $2,705 | 2% more |
| Pennsylvania | $3,069 | 15% more |
| Rhode Island | $3,332 | 25% more |
| South Carolina | $2,560 | 4% less |
| South Dakota | $4,084 | 53% more |
| Tennessee | $3,043 | 14% more |
| Texas | $4,213 | 58% more |
| Utah | $2,320 | 13% less |
| Vermont | $2,373 | 11% less |
| Virginia | $2,130 | 20% less |
| Washington | $2,353 | 12% less |
| Washington, D.C. | $3,354 | 26% more |
| West Virginia | $3,035 | 14% more |
| Wisconsin | $2,242 | 16% less |
| Wyoming | $3,774 | 42% more |
Volvo XC60 insurance cost
- The average car insurance cost for XC60 is $2,607 per year.
- Trim Level - XC60 B5 Core, XC60 B5 Plus, XC60 B5 Ultimate, XC60 B5 Ultimate Black Edition, XC60 Recharge T8 Core, XC60 Recharge T8 Plus, XC60 Recharge T8 Ultimate, XC60 T8 Polestar Engineered
The average cost to insure Volvo XC60 is around $2,607 per year for full coverage, which is $217 per month.
For liability-only coverage, the cost is around $876 per year, or about $73 per month.
The premiums shown below are based on our sample driver profile — a 40-year-old male driver driving Volvo XC60 with full coverage. Auto insurance costs can vary significantly based on factors like age, location, driving history and insurance company.
Read on to learn more about the cost of insurance for Volvo models.
| Year and model | Average annual premium |
|---|---|
| 2024 Volvo XC60 | $2,607 |
| 2023 Volvo XC60 | $2,448 |
| 2022 Volvo XC60 | $2,306 |
| 2021 Volvo XC60 | $2,144 |
| 2020 Volvo XC60 | $2,101 |
| 2019 Volvo XC60 | $1,978 |
| 2018 Volvo XC60 | $1,913 |
| 2017 Volvo XC60 | $1,820 |
| Company | Average annual premium | Average monthly premium |
|---|---|---|
| Progressive | $2,264 | $189 |
| GEICO | $2,266 | $189 |
| Nationwide | $2,364 | $197 |
| State Farm | $2,390 | $199 |
| Farmers | $2,748 | $229 |
| Allstate | $3,610 | $301 |
| State | Average annual premium | % Diff from national average |
|---|---|---|
| Alabama | $2,243 | 16% less |
| Alaska | $2,334 | 12% less |
| Arizona | $2,342 | 12% less |
| Arkansas | $2,714 | 2% more |
| California | $3,545 | 33% more |
| Colorado | $3,246 | 22% more |
| Connecticut | $2,979 | 12% more |
| Delaware | $2,620 | 2% less |
| Florida | $3,015 | 13% more |
| Georgia | $3,650 | 37% more |
| Hawaii | $1,625 | 39% less |
| Idaho | $1,612 | 39% less |
| Illinois | $2,413 | 9% less |
| Indiana | $2,297 | 14% less |
| Iowa | $2,250 | 16% less |
| Kansas | $2,791 | 5% more |
| Kentucky | $3,287 | 23% more |
| Louisiana | $4,278 | 61% more |
| Maine | $1,824 | 32% less |
| Maryland | $2,567 | 4% less |
| Massachusetts | $2,488 | 7% less |
| Michigan | $3,099 | 16% more |
| Minnesota | $2,807 | 5% more |
| Mississippi | $2,743 | 3% more |
| Missouri | $3,393 | 27% more |
| Montana | $2,627 | 1% less |
| Nebraska | $2,647 | 1% less |
| Nevada | $2,419 | 9% less |
| New Hampshire | $2,066 | 22% less |
| New Jersey | $2,481 | 7% less |
| New Mexico | $2,553 | 4% less |
| New York | $2,014 | 24% less |
| North Carolina | $2,453 | 8% less |
| North Dakota | $2,233 | 16% less |
| Ohio | $1,615 | 39% less |
| Oklahoma | $2,595 | 3% less |
| Oregon | $2,254 | 15% less |
| Pennsylvania | $2,838 | 7% more |
| Rhode Island | $3,214 | 21% more |
| South Carolina | $2,529 | 5% less |
| South Dakota | $3,129 | 17% more |
| Tennessee | $2,864 | 8% more |
| Texas | $3,691 | 39% more |
| Utah | $2,012 | 24% less |
| Vermont | $1,997 | 25% less |
| Virginia | $1,978 | 26% less |
| Washington | $2,326 | 13% less |
| Washington, D.C. | $3,220 | 21% more |
| West Virginia | $2,498 | 6% less |
| Wisconsin | $1,948 | 27% less |
| Wyoming | $3,020 | 13% more |
Volvo XC90 insurance cost
- The average car insurance cost for XC90 is $2,870 per year.
- Trim Level - XC90 B5 Core, XC90 B5 Plus, XC90 B6 Core, XC90 B6 Plus, XC90 B6 Ultimate, XC90 Recharge T8 Core, XC90 Recharge T8 Plus, XC90 Recharge T8 Ultimate
The average cost to insure Volvo XC90 is around $2,870 per year for full coverage, which is $239 per month.
For liability-only coverage, the cost is around $925 per year, or about $77 per month.
The premiums shown below are based on our sample driver profile — a 40-year-old male driver driving Volvo XC90 with full coverage. Auto insurance costs can vary significantly based on factors like age, location, driving history and insurance company.
Read on to learn more about the cost of insurance for Volvo models.
| Year and model | Average annual premium |
|---|---|
| 2024 Volvo XC90 | $2,870 |
| 2023 Volvo XC90 | $2,834 |
| 2022 Volvo XC90 | $2,472 |
| 2021 Volvo XC90 | $2,318 |
| 2020 Volvo XC90 | $2,315 |
| 2019 Volvo XC90 | $2,197 |
| 2018 Volvo XC90 | $2,125 |
| 2017 Volvo XC90 | $2,112 |
| Company | Average annual premium | Average monthly premium |
|---|---|---|
| GEICO | $2,487 | $207 |
| State Farm | $2,493 | $208 |
| Nationwide | $2,544 | $212 |
| Progressive | $2,714 | $226 |
| Farmers | $3,037 | $253 |
| Allstate | $3,944 | $329 |
| State | Average annual premium | % Diff from national average |
|---|---|---|
| Alabama | $2,494 | 6% less |
| Alaska | $2,603 | 2% less |
| Arizona | $2,634 | 1% less |
| Arkansas | $2,898 | 9% more |
| California | $3,714 | 39% more |
| Colorado | $3,641 | 37% more |
| Connecticut | $3,027 | 14% more |
| Delaware | $2,840 | 7% more |
| Florida | $3,247 | 22% more |
| Georgia | $3,872 | 45% more |
| Hawaii | $1,622 | 39% less |
| Idaho | $1,812 | 32% less |
| Illinois | $2,748 | 3% more |
| Indiana | $2,486 | 7% less |
| Iowa | $2,566 | 4% less |
| Kansas | $3,032 | 14% more |
| Kentucky | $3,827 | 44% more |
| Louisiana | $4,553 | 71% more |
| Maine | $2,052 | 23% less |
| Maryland | $2,710 | 2% more |
| Massachusetts | $2,676 | Equal |
| Michigan | $3,255 | 22% more |
| Minnesota | $3,049 | 14% more |
| Mississippi | $2,884 | 8% more |
| Missouri | $4,002 | 50% more |
| Montana | $2,857 | 7% more |
| Nebraska | $3,155 | 18% more |
| Nevada | $2,561 | 4% less |
| New Hampshire | $2,181 | 18% less |
| New Jersey | $2,558 | 4% less |
| New Mexico | $2,955 | 11% more |
| New York | $2,329 | 13% less |
| North Carolina | $2,713 | 2% more |
| North Dakota | $2,645 | 1% less |
| Ohio | $1,949 | 27% less |
| Oklahoma | $2,997 | 13% more |
| Oregon | $2,564 | 4% less |
| Pennsylvania | $3,198 | 20% more |
| Rhode Island | $3,555 | 33% more |
| South Carolina | $2,617 | 2% less |
| South Dakota | $3,547 | 33% more |
| Tennessee | $3,190 | 20% more |
| Texas | $4,155 | 56% more |
| Utah | $2,222 | 17% less |
| Vermont | $2,220 | 17% less |
| Virginia | $1,975 | 26% less |
| Washington | $2,431 | 9% less |
| Washington, D.C. | $3,457 | 30% more |
| West Virginia | $2,881 | 8% more |
| Wisconsin | $2,200 | 17% less |
| Wyoming | $3,367 | 26% more |
Cheapest Volvo models to insure
If you are looking for the most economical Volvo vehicles to insure, these models have the lowest auto insurance rates:
- XC40 - $2,340
- XC60 - $2,607
- XC90 - $2,870
- XC40 Recharge - $2,902
Why are these models cheaper to insure?
These models may be cheaper to insure for a few reasons:
- Strong safety ratings and advanced safety features. Safer vehicles reduce the risk of injuries and accidents.
- Lower repair costs. Vehicles with readily available, affordable parts are cheaper to insure.
- Lower frequency of claims based on historical data. Insurance companies use this information to set lower rates for models with a good track record.
Most expensive Volvo models to insure
Some Volvo vehicles have a higher price tag—and that includes insurance. These models tend to have higher horsepower, costlier parts and a greater risk profile.
- S90 - $3,585
- C40 Recharge - $3,180
- S60 - $3,080
- V60 - $3,063
Why are these models expensive to insure?
These models may be more expensive to insure because:
- They cost more to repair or replace if damaged or stolen.
- They may have powerful engines, which means a higher risk of speeding and therefore, accidents.
- Thieves target them more often.
- They often have expensive parts and advanced tech that are costly to fix.
What factors affect car insurance rates for Volvo?
Several factors influence your insurance rate—some related to the car, others to you as the driver.
- Model and trim level: Performance features and size impact pricing.
- Vehicle age: Newer cars often cost more to insure.
- Safety ratings: Vehicles with more safety tech often earn discounts.
- Driver profile: Your age, ZIP code, credit score and driving history play a big role.
- Coverage level: Full coverage costs more than minimum liability, but provides better protection.
How to save on car insurance if you own Volvo
Car insurance can be a big expense, but there are ways to save money. If you drive a Volvo, you might be able to lower your costs by making smart choices. Here are some steps to save on insurance for your Volvo:
- Shop around - Compare quotes from multiple insurers annually
- Increase deductibles - Opt for a higher deductible to lower premiums
- Bundle policies - Combine auto and home or renters insurance
- Ask about discounts - Safe driver, low mileage, good student and more
- Use telematics - Usage-based programs reward good driving habits
Bottom line
Volvo offers a wide range of vehicles. While insurance costs vary by model, knowing the averages and understanding what affects your rate can help you make smart coverage decisions.
Want the best rate on Volvo car insurance? Start by comparing quotes today and see how much you could save.
Methodology
Data was fielded by Quadrant Information Services across all 50 states and Washington, D.C. for 1,161 vehicle models. More than 67 million data points from 57 insurance companies were analyzed.
Unless otherwise indicated, averages are based on our full coverage data set. This data set is based on:
- Bodily injury liability of $100,000 per person and $300,000 per incident
- Property damage liability of $100,000 per incident
- Comprehensive and collision deductibles of $500
- 40-year-old driver
- Honda Accord LX
- Good credit
- A clean driving record
- 12-mile commute, 10,000 annual mileage