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Volvo insurance rates

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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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Companies that offer coverage for Volvos

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Optional
30%
All 50 states
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
Optional
49%
AZ, CA, IL, NJ, OR, PA, VA, WA
Only pay for how much you drive with the Metromile app. Get rates from $29/month plus pennies per mile.
Optional
30%
All 50 states
Enjoy premium perks like better car replacement and accident forgiveness plus local agent support.
Optional
Optional
55%
All 50 states
Get free quotes from top insurers for the exact coverage you need in minutes.
13%
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
52%
AZ, AR, CO, CT, DE, GA, IL, IN, IA, KY, LA, MD, MI, MS, MT, NE, NM, ND, OH, OK, OR, PA, SC, TN, TX, UT
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save.
Optional
26%
All 50 states
It's quick and easy to get an online quote with Geico, and you might be surprised at how much you could save.
Optional
Yes
All 50 states
Drivers over 50 and AARP members enjoy special car insurance pricing and benefits.
Optional
No
CA, IL
A new company with a minimalist approach to insurance. Find basic coverage, low rates and online-based service.
40%
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
15%
All 50 states
Backed by nearly 100 years in the business, Farmers Insurance aims to offer options and support to help you find the coverage you need.
Optional
10%
IL, IN, MD, TN, TX, VA
Elephant Insurance offers low-cost auto insurance with big discounts. Breaking from the national herd could save up to 40% off your current car insurance.

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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.

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.

Volvo car insurance rates by model

Model Monthly insurance rate Base car price
S60 $227.00 $33,950
S60 Cross Country $227.00 $44,200
S90 $220.00 $46,950
V60 $227.00 $36,150
V60 Cross Country $227.00 $41,700
V90 Cross Country $220.00 $55,300
XC60 $220.00 $40,950
XC90 $220.00 $45,750

Pros and cons of insuring a Volvo

Pros

  • Great safety ratings
  • Low theft rates

Cons

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

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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.

What’s Volvo 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.

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.

Volvo competitors

Looking for other car brands?
Compare other car manufacturers like Volvo.

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.

Frequently asked questions about Volvo

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