How much does Volvo auto insurance cost?
Volvo insurance rates vary, but Jerry makes it simple to see what real drivers with your model and profile are paying today.
How much does insurance cost for each Volvo model?
Volvo insurance runs higher than average, largely because of the brand’s focus on advanced safety technology: sensors, cameras and specialized components cost more to repair or replace after a collision. That said, Volvo’s strong IIHS safety record can offset some of that cost depending on your carrier. Find your model below to see current averages from Jerry drivers.
| Model | Average monthly cost | Average annual cost |
| V70 R | $137 | $1,647 |
| S70 Turbo | $148 | $1,777 |
| V70 2.4t | $157 | $1,878 |
| S80 2.5t | $177 | $2,121 |
| 240 | $178 | $2,132 |
| S80 T6 | $178 | $2,134 |
| V70 AWD Cross Countr | $183 | $2,201 |
| C70 Turbo | $188 | $2,254 |
| V60 Cross Country | $192 | $2,307 |
| S60 2.5t | $208 | $2,494 |
| V70 Glt | $210 | $2,514 |
| Xc60 T6 Platinum | $210 | $2,526 |
| V60 | $211 | $2,530 |
| V70 | $217 | $2,604 |
| S60 2.4t | $219 | $2,624 |
| Xc60 T6 Dynamic | $226 | $2,707 |
| XC70 | $228 | $2,742 |
| S40 1.9t | $231 | $2,770 |
| C70 Hpt | $232 | $2,782 |
| V50 T5 | $233 | $2,794 |
| Xc70 3.2 | $234 | $2,811 |
| S60 B5 Inscription | $235 | $2,817 |
| XC90 | $236 | $2,831 |
| 850 | $236 | $2,834 |
| Xc60 T6 | $238 | $2,857 |
| V60 Cross Country Pr | $239 | $2,874 |
| S40 T5 | $240 | $2,879 |
| Xc40 Recharge Ultima | $242 | $2,910 |
| V60 T5 Dynamic | $243 | $2,922 |
| Xc90 R-Design | $244 | $2,933 |
| Xc40 T4 R-Design | $251 | $3,011 |
| V90 Cross Country T5 | $252 | $3,028 |
| V50 2.4i | $254 | $3,052 |
| S60 Polestar | $255 | $3,059 |
| S80 V8 AWD | $256 | $3,071 |
| V60 T6 Platinum | $257 | $3,079 |
| Xc60 T5 R-Design | $258 | $3,098 |
| Xc40 Recharge | $259 | $3,103 |
| S80 3.2 | $259 | $3,110 |
| S40 2.4i | $261 | $3,129 |
| V70 3.2 | $262 | $3,143 |
| Xc60 T6 R-Design | $262 | $3,144 |
| Xc40 T4 Inscription | $263 | $3,158 |
| S60 2.5t AWD | $263 | $3,160 |
| 960 | $264 | $3,166 |
| Xc90 T6 R-Design | $264 | $3,167 |
| S 90 | $266 | $3,191 |
| V60 T5 Premier | $269 | $3,228 |
| Xc60 T5 | $271 | $3,246 |
| Xc60 T5 Momentum | $271 | $3,250 |
| Xc90 3.2 | $272 | $3,266 |
| Xc60 T5 Premier | $274 | $3,291 |
| S 60 | $274 | $3,294 |
| Xc90 3.2 AWD | $276 | $3,317 |
| S90 T5 Inscription | $277 | $3,323 |
| Xc90 V8 | $278 | $3,335 |
| S80 Premier+ | $279 | $3,342 |
| C40 Recharge Ultimat | $281 | $3,372 |
| Xc90 T6 Momentum | $281 | $3,376 |
| Xc40 Ultra | $283 | $3,393 |
What’s the best car insurance for Volvo drivers?
Owning a Volvo means investing in safety, quality and design that stands the test of time. Protecting that investment takes coverage that meets the same high standard.
If your Volvo is leased or financed, your lender will require full coverage. You may also need gap insurance, which helps pay off your loan if your car is totaled.
Jerry recommends that Volvo drivers carry at least 100/300/100 liability with collision and comprehensive coverage. While that’s higher than most state minimums, it’s smart protection for vehicles with advanced technology and higher repair costs.
Whether you lease, finance or own your Volvo, there are several coverage options that can help keep it protected. Here are some of the most common, what they include and why Volvo owners choose them.
Higher liability limits
Volvos are among the safest vehicles on the road, but costs after an at-fault accident can still be significant. Nearly half (45%) of Jerry Volvo drivers choose higher-than-minimum limits.
Full coverage
Comprehensive and collision protect your Volvo from theft, weather or at-fault accidents. About 36% of Jerry Volvo drivers carry full coverage for added security.
OEM parts coverage
Keeps your Volvo performing as designed with factory-approved parts and specialized service. Available for vehicles between three and ten years old.
New car replacement
Replaces your Volvo with a new model if it’s totaled early on. It’s a smart option for newer models equipped with complex safety tech that can make repairs expensive.
Roadside assistance
Covers towing, jump-starts and lockouts. Volvo offers complimentary roadside assistance for up to four years, though many owners extend it for continued peace of mind.
Rental reimbursement
Covers the cost of a rental car while your Volvo is being repaired. Most insurers offer 30 to 45 days of coverage, depending on your policy and state.
Gap insurance
Pays off what’s left on your loan or lease if your Volvo is totaled. About 39% of all drivers add gap coverage when financing their vehicle.
Accident forgiveness
Keeps your rates stable after your first at-fault accident. Without it, Volvo drivers see premiums rise an average of almost 16%.
See coverage options for your Volvo.
4 smart ways to shop and lower Volvo insurance rates
Finding the right car insurance means balancing coverage and cost. For Volvo drivers, that balance can be complex since repair costs, advanced safety systems and premium materials all influence how insurers set rates.
Jerry’s experts help Volvo owners keep premiums low without compromising the protection their cars deserve. Here are our top tips.
| How to save | Typical savings |
| Compare quotes | 41% to 68% among Volvo drivers |
| Stack discounts | 26% to 49% among all drivers |
| Adjust coverage | 7% to 61% among all drivers |
| Avoid coverage lapses | 11% among Volvo drivers |
Tip 1: Compare quotes before renewing
Not every insurer prices Volvo coverage fairly. Some overestimate repair costs, while others miss the brand’s safety advantages. That can mean paying more for identical protection.
Here’s where Volvo drivers who saved most often switched last year after comparing rates with Jerry:
| Insurer | Volvo drivers who switched | Average Jerry savings |
| Progressive | 40% | 17% |
| Bristol West | 20% | 14% |
| Gainsco | 10% | 46% |
| Mendota Auto Insurance | 10% | 33% |
| National General | 10% | 28% |
Why it matters: Volvo drivers can save nearly half by comparing quotes. Jerry shows live prices in real time so you can find your best deal before you buy.
Tip 2: Combine discounts for greater savings
Many Volvo owners qualify for discounts based on safety features, low mileage or policy bundles, but insurers don’t always apply them automatically. Jerry finds every available discount so you get the best possible rate.
Key takeaway: Discounts can add up to more savings than raising deductibles alone.
Tip 3: Match your coverage to your Volvo
From the XC40 to the S90, every Volvo is built differently. Your insurance should reflect that, which usually means buying more than just the minimum. Most owners start with full coverage and higher limits on newer models, then adjust as their vehicles age.
Minimum
$71 – $164/mo
Offers the legal minimum limits, which vary by state.
Full
$148 – $376/mo
Includes minimum liability plus collision and comprehensive coverage.
Standard
$135 – $354/mo
Increases liability limits, adds things like UM/UIM, medical, towing & more.
Preferred
$154 – $403/mo
Raises liability further, lowers deductibles, expands extra coverages.
Why it matters: Most Volvo drivers with newer models choose full coverage and higher limits. Jerry experts recommend 100/300/100 for balanced protection that reflects Volvo’s premium safety standards.
Tip 4: Keep your coverage consistent
Avoiding a lapse in coverage is one of the simplest ways to prevent higher premiums down the road. Even a short gap can raise insurance costs by an average of 11%. Matching your policy to your budget, by adjusting deductibles or removing extras you don’t need, helps you stay covered without overspending.
Staying insured — even during transitions — is key. We see premiums jump after gaps as short as a few days. Setting coverage you can comfortably maintain keeps your rates steady and your record clean.
Jerry Proof: Real Volvo drivers, real savings
See how much Jerry can save Volvo owners. Here are real drivers, their vehicles and the deals they found by comparing quotes with Jerry.
Recent quotes
Xc60 T5 Dynamic
Customer
Jessie, 35, Thorndale, PA
Date
09/28/26
Insurer
Direct Auto
Old rate
$3,034
New rate
$1,380
Savings
$1,654
S60 T5 Momentum
Customer
Delia, 57, Lake Ariel, PA
Date
09/27/26
Insurer
Progressive
Old rate
$1,080
New rate
$656
Savings
$424
Xc60 T5 Momentum
Customer
Martha, 57, East Pittsburgh, PA
Date
09/26/26
Insurer
National General
Old rate
$2,880
New rate
$2,111
Savings
$769
Xc90 T6
Customer
Hallie, 52, Tracy, CA
Date
09/26/26
Insurer
Aspire Advantage
Old rate
$1,920
New rate
$1,443
Savings
$477
S40 2.4i
Customer
Elsie, 57, Deer Park, NY
Date
09/26/26
Insurer
Progressive
Old rate
$1,476
New rate
$1,268
Savings
$208
Drive with confidence
Volvo car insurance costs can vary, but paying more than necessary shouldn’t be part of your journey. Whether you’re looking to replace an existing Volvo V60 Cross Country car insurance policy or need a policy for your new XC90 SUV, Jerry helps you find coverage that matches Volvo’s legacy of safety, innovation and trust.
We compare top insurers, track every discount and handle renewals. That way, your protection is as consistent as your car.
Compare quotes
FAQ
- Is Volvo expensive to insure?
- Does a Volvo electric car (EX90, EX40) cost more to insure than a gas Volvo?
- What full coverage do I need for a financed or leased Volvo?
- How much does it cost to insure a Volvo?
- Is Volvo’s safety reputation reflected in lower insurance rates?
- How do I lower my Volvo insurance rate?
- How much does it cost to insure a Volvo XC90?
