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Volvo Insurance Rates

What to expect when insuring a Volvo

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Average insurance cost of owning a Volvo

The average insurance cost of a Volvo across all models is $165.20 a month, or $1,982.40 a year. Volvo has made safety its main selling point, and that’s reflected in the savings you’ll receive on your insurance.

Keep in mind that Volvo sells some high-priced models, such as the XC90 ($46,900 MSRP) and the V90 Cross Country ($52,300 MSRP). For these models, you’ll pay on average around $220 a month for insurance, or $2,640 a year.

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How a vehicle from Volvo affects the cost of insurance

Insurance companies look at several car-related factors when determining the cost of insurance, including the car’s safety ratings, its likelihood of being stolen, and replacement costs and overall damage susceptibility.

A Volvo’s great safety ratings help to bring down the cost of insuring one. But you can expect to pay more if you own one of the higher-end Volvos.

Other factors that affect the cost of insurance include the model, mileage and trim package. Personal factors like your driving history, credit score and age also play roles.

Pros and cons of insuring a Volvo

Pros

  • Great safety ratings
  • Low theft rates

Cons

  • Some higher-priced models come with higher-priced insurance

About the Volvo brand

Headquartered in Sweden, Volvo started manufacturing cars in 1927. The Volvo Cars division was sold to Ford Motor Company in 1999, and today it’s owned by China-based Geely Holding Group.

Volvo makes luxury vehicles — specifically, cars that are billed as some of the safest on the market. The manufacturer’s vehicles are generally highly regarded for fuel efficiency, and are often viewed as top-notch family cars.

Volvo car facts

  • Volvo’s all about safety, and that helps tremendously with your insurance costs. Because the cars are safer, they’re involved in fewer accidents and fewer claims.
  • Although Volvo sells high-priced models, many of its vehicles sit in a midrange price point. This also helps keep insurance costs low.
  • Another plus for insurance premiums: Volvos are among the least-targeted brands by car thieves.
  • You may want more than minimum liability coverage for your Volvo, expanding your protection through comprehensive coverage.

What’s In-Car Delivery?

Volvo has partnered with Amazon to bring its drivers delivery of Amazon purchase straight to their car. Utilizing Volvo On Call and the Amazon Key app, select the in-car delivery option at checkout and get your items delivered to your Volvo.

Download the Amazon Key app to your smartphone and follow the steps to link your Amazon Prime account with your Volvo On Call account and start shopping. In-car delivery is available for models 2015 or newer.

Bottom line

Volvo’s great safety ratings help to bring down the cost of insurance. But be sure shop around to find the best car insurance for you.

Companies that offer coverage for Volvos

With Volvo’s impeccable record of safety, insurance companies love insuring the manufacturer’s vehicles. You’ll probably have little trouble finding an insurance policy.

Name Product Roadside assistance New car protection
Liberty Mutual
Included free
Yes, cars under 1 year old & 15,000 miles
Car insurance through Liberty Mutual will give coverage options for almost any situation.
Esurance
Optional
Yes, cars under 1 year old & 15,000 miles
Esurance offers a modern online and mobile experience that helps you take your insurance on the go.
Allstate
Included free
Yes, cars under 2 years old
Enjoy having your own dedicated agent to help you get the best discounts and coverage.

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Volvo competitors

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