Affordable Volvo Auto Insurance Quotes (2026)
Affordable Volvo auto insurance quotes can be easily obtained through comparison shopping and looking into various discounts through your current insurance company. Factors that will affect your auto insurance rates include the model of Volvo you drive, your age, and your driving record.
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Insurance Feature Writer
Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...
Rachel Bodine
Farmers CSR for 4 Years
Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...
Leslie Kasperowicz
Updated March 2023
- Drivers with Volvo S90s will have more expensive average auto insurance rates than other Volvo owners
- Drivers with Volvo XC60s will have some of the cheapest auto insurance rates on average
- Younger drivers and drivers with bad driving records will have higher Volvo rates on average
Volvos can be a little more expensive to insure on average than other car brands, but not nearly as much as luxury or sports cars. What you’ll pay for Volvo auto insurance will depend partly on what model you own, your driving record, and your age, but there are plenty of tips and tricks you can follow to find affordable auto insurance for your Volvo.
Our guide goes over everything drivers need to know about Volvo auto insurance quotes, from what coverages to carry to ways to save.
Understanding Different Volvo Coverage Options
How high your Volvo rates will be will depend partly on what types of auto insurance coverage you have. The more coverage you carry, the higher your auto insurance rates will be. While you may be tempted to do away with as much coverage as possible, carrying standard coverages will save you from high bills after an accident. You are also legally required to carry state-mandated coverages, such as the following:
- Liability auto insurance: Required in most states and covers others’ accident bills if you cause a crash that injures other people or damages their property.
- Medical payments insurance: Required in some states and helps to cover medical bills if you or your passengers are injured in a car accident.
- Personal injury protection (PIP) insurance: Required in some states and helps to cover medical bills and related injury costs like lost wages if you or your passengers are injured in a car accident.
- Underinsured motorist insurance: Required in some states and helps cover your car crash bills if the driver who hit you has poor insurance that doesn’t cover all of your bills.
- Uninsured motorist insurance: Required in some states and helps cover your car crash bills if the driver who hit you does not have auto insurance coverage.
In addition to carrying the minimum auto insurance required by your state, you might want to consider carrying collision and comprehensive auto insurance for a full coverage auto insurance policy. In fact, if you have a lease or loan on your Volvo, you will be required to carry these coverages regardless.
Both coverages protect your assets by paying for your car’s repairs in accidents that are either your fault or caused by elements outside of your control. For example, if you crash into another car or something like a tree or mailbox, collision insurance will pay for your Volvo’s repairs. Likewise, if you crash into an animal or your Volvo is damaged by factors outside your control, such as weather or vandalism, comprehensive insurance will pay for your Volvo’s repairs.
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Comparing Volvo Auto Insurance Rates
Now that you know what auto insurance coverages you’ll need on your Volvo, let’s look into full coverage vs. minimum coverage. The amount of coverage you purchase will alter your monthly rates, more noticeably depending on the insurance company.
| Auto Insurance Company | Average Monthly Auto Insurance Rates for Minimum Coverage | Average Monthly Auto Insurance Rates for Full Coverage |
|---|---|---|
| Progressive | $50.13 | $136.05 |
| Geico | $32.32 | $86.79 |
| Allstate | $66.78 | $176.48 |
| State Farm | $39.39 | $102.85 |
| Nationwide | $53.03 | $136.19 |
| American Family | $50.92 | $136.58 |
| Farmers | $63.68 | $167.16 |
| Liberty Mutual | $77.24 | $199.56 |
The type of Volvo you drive will also affect how much you pay for coverage. If you own a Volvo S90, then you may have slightly higher rates than other Volvo owners. The Volvo S90 is considered a luxury car, which always comes with higher retail prices and higher auto insurance rates. On the other hand, if you own a Volvo XC60, you will have cheaper rates on average. The Volvo XC60 is a midsize SUV that retails anywhere from around $40,000 to $50,000.
Two other factors that will affect your auto insurance rates are your age and driving record. The younger you are or the worse your driving record, the more you will pay for auto insurance for your Volvo. Take a look below at the average rates based on a driver’s age and driving record.
| Driver Age & Driving Record | Average Monthly Full Coverage Auto Insurance Rates |
|---|---|
| 16-year-old male with a clean record | $618.49 |
| 16-year-old female with a clean record: | $566.05 |
| 18-year-old male with a clean record | $501.45 |
| 18-year-old female with a clean record | $416.15 |
| 30-year-old male with a clean record: | $138.81 |
| 30-year-old female with a clean record | $128.44 |
| 45-year-old male with a clean record | $119.27 |
| 45-year-old female with a clean record | $119.47 |
| 45-year-old male with a DUI | $208.94 |
| 45-year-old female with a DUI | $209.44 |
| 45-year-old male with an accident | $172.68 |
| 45-year-old female with an accident | $173.27 |
While you can’t help what age you are, keeping a clean driving record will ensure that your rates will go down as you age and gain driving experience.
Saving on Volvo Auto Insurance
Because Volvos can be a bit more expensive than other cars to insure, we want to go over some of the things you can do to save on your insurance policy. If you are happy with your current insurance provider, other than the rate you are paying, then there are a few things you can do to reduce your auto insurance rates at your current provider.
The first thing to do is check to see if there are any additional auto insurance discounts you can qualify for. Perhaps your insurance company offers a discount if you take a defensive driving course or a good student discount if you provide proof of good reads. If you have already maxed out on your discounts, then you may wish to raise your auto insurance deductible if it is fairly low.
While this will decrease your auto insurance rates, remember that you are taking on more financial responsibility for repairs after a crash. So if your deductible is already high, you shouldn’t raise it anymore if you wouldn’t be able to afford to pay that amount. Instead, if you have exhausted your discount options and already raised your deductible, you should get quotes to see if you can find a cheaper policy elsewhere.
The Final Word on Finding Affordable Volvo Auto Insurance Quotes
Your rates will partly depend on what model of Volvo you own, as well as your age and driving record, but most Volvos aren’t too expensive to insure. You can work on reducing your Volvo auto insurance rates by applying for auto insurance discounts, raising your auto insurance deductible, and getting auto insurance quotes.
To start searching for cheap Volvo auto insurance, use our free quote comparison tool. It will compare personalized quotes for you to find out which auto insurance company in your area offers the cheapest rates.
Frequently Asked Questions
Is insurance for Volvos more expensive?
Because some Volvos are considered luxury models, insurance for Volvos can be more expensive. However, remember that what model of Volvo you own is just part of how insurance companies calculate rates. Your driving record will usually have a much bigger impact on rates than your model of Volvo.
What is the best auto insurance plan?
The best auto insurance plans are usually those that are full coverage. A full-coverage auto insurance policy is a policy that contains liability insurance, collision insurance, and comprehensive insurance. With a full coverage policy, you are protected in a variety of incidents on the road.
Does Volvo have its own insurance?
Yes, Volvo is partnered with Liberty Mutual to sell insurance specifically for Volvo owners.
Is Volvo XC90 insurance expensive?
A Volvo XC90’s average monthly rate for a full coverage policy is $152 or $1,824 per year.
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