How Much Does Volvo Car Insurance Cost?
The typical monthly cost to insure a Volvo is $206, which adds up to about $2,475 per year.
We’ve saved shoppers an average of $600 per year on their car insurance.
The cost to insure a Volvo depends on several factors, including your age, driving history, and where you live car insurance Insurance companies use this information to evaluate the risk of insuring your Volvo and set your premium.
Insurance Cost Per Volvo Model
| Volvo Model | Average Yearly Insurance Cost |
| Volvo S60 | $2,352 |
| Volvo S90 | $2,933 |
| Volvo V60 | $2,487 |
| Volvo XC40 | $2,369 |
| Volvo XC60 | $2,245 |
| Volvo XC90 | $2,462 |
Keep in mind that these numbers are just averages. The actual cost may differ based on where you live, your age, your driving history, and the type of coverage you select.
Volvo Car Insurance Cost – By Company
| Insurance Provider | Average Monthly Premium |
| USAA | $133 |
| GEICO | $144 |
| Allstate | $157 |
| State Farm | $160 |
| Progressive | $168 |
Volvo Car Insurance Cost – By U.S. State
| State | Average Annual Rate |
| Alabama | $2,618 |
| Alaska | $2,183 |
| Arizona | $2,463 |
| Arkansas | $2,684 |
| California | $3,009 |
| Colorado | $2,804 |
| Connecticut | $3,565 |
| Delaware | $2,950 |
| Florida | $3,512 |
| Hawaii | $1,158 |
| Idaho | $2,003 |
| Illinois | $2,078 |
| Indiana | $2,133 |
| Iowa | $1,706 |
| Kansas | $2,249 |
| Kentucky | $3,278 |
| Louisiana | $4,185 |
| Maine | $1,577 |
| Maryland | $2,558 |
| Massachusetts | $2,070 |
| Michigan | $4,972 |
| Minnesota | $2,038 |
| Mississippi | $2,459 |
| Missouri | $2,319 |
| Montana | $2,357 |
| Nebraska | $1,995 |
| Nevada | $3,287 |
| New Hampshire | $2,299 |
| New Jersey | $2,532 |
| New Mexico | $2,573 |
| New York | $2,397 |
| North Carolina | $1,473 |
| North Dakota | $2,036 |
| Ohio | $1,811 |
| Oklahoma | $2,876 |
| Oregon | $2,619 |
| Pennsylvania | $2,207 |
| Rhode Island | $3,685 |
| South Carolina | $2,517 |
| South Dakota | $2,261 |
| Tennessee | $2,654 |
| Texas | $2,676 |
| Utah | $2,269 |
| Vermont | $1,740 |
| Virginia | $1,640 |
| Washington | $2,184 |
| West Virginia | $2,202 |
| Wisconsin | $2,192 |
| Wyoming | $2,042 |
| Georgia | $2,872 |
How To Save Money On Volvo Car Insurance?
Owning a Volvo involves several costs, and car insurance is a significant one. However, there are ways to reduce your insurance expenses. Here are some tips:
1. Maintain a Clean Driving Record
Insurance companies consider your driving history very important when setting your premium. By staying accident-free and avoiding traffic tickets, you demonstrate to insurers that you are a low-risk driver, which can help reduce your insurance costs.
2. Bundle Your Policies
Many insurance companies provide discounts if you bundle multiple policies, such as home and auto insurance. This makes managing your insurance easier and can also lower your premiums.
3. Raise Your Deductible
Raising your deductible, which is the amount you pay before your insurance starts covering costs, can reduce your premium. Just make sure you can handle the higher deductible if you need to make a claim.
4. Install Safety Features
Volvo cars are already equipped with many safety features, but installing additional items like anti-theft devices can help lower your insurance costs even more by reducing the risk of theft and damage.
5. Take Advantage of Discounts
Insurance companies frequently provide discounts for things such as being a good student, maintaining a clean driving record, or taking a defensive driving course. Check with your insurer to see if you qualify for any of these discounts.
6. Shop Around
Insurance premiums can differ significantly among various providers. Make sure to compare quotes to find the insurance company that gives you the best value for your situation.
7. Consider Usage-Based Insurance
If you don’t use your Volvo very often, consider a usage-based insurance policy. This type of insurance adjusts your premium based on how much you drive, which could save you money if your Volvo isn’t your primary vehicle.
