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Michelle Lambright Black is a credit expert, content writer, and founder of CreditWriter.com. She has more than 20 years of experience writing and speaking about credit and money and has been writing for Compare.com since 2023.
Michelle’s work has appeared in publications such as Yahoo! Finance, Reader’s Digest, Parents, FICO, Forbes, Bankrate, The Seattle Times, MarketWatch, BuySide from Wall Street Journal, USA Today, Insurify, and more.
In her writing, she focuses on helping families and small business owners make smart, informed decisions about their credit, money, and financial products (including insurance).
Michelle is also a three-time finalist for the best personal finance freelancer award from the Plutus Foundation.
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Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
Volvo drivers pay an average of $141 per month for car insurance, according to Compare.com data. That’s a bit lower than the national average of $150 per month.
Your Volvos value, safety features, and repair costs are all factors that influence your insurance rates. Thanks to Volvo’s strong safety reputation, liability coverage is relatively cheap.[1] [2] [3] But full-coverage rates are on the higher side — especially on certain luxury models.
Bundling your policies, shopping for discounts, and comparing insurance quotes from multiple insurers can help you save money on your Volvo car insurance. We’ll tell you how to find the best insurer for your Volvo and how to choose the right coverage.
The average full-coverage rate for Volvo car insurance is $183 per month. Liability-only coverage costs an average of $100 per month.
Safeco, Mercury, and Direct Auto offer the cheapest average rates for Volvo car insurance.
Volvo SUVs, like the XC60 and XC90, are some of the most affordable models to insure.
Auto insurance costs for your Volvo can vary based on the type of coverage you choose. Here’s how Volvo car insurance rates stack up against average rates across all vehicle makes, according to Compare.com data.
Vehicle Type  | Average Monthly Premium: Liability Coverage | Average Monthly Premium: Full Coverage | Overall Average for All Policies |
|---|---|---|---|
| Volvo | $100 | $183 | $141 |
| All makes | $108 | $193 | $150 |
Liability insurance for Volvo cars averages $100 per month, cheaper than the national average of $108. But the average full-coverage rate is $183 per month — $10 more than the national average.
Auto insurance rates can vary for different Volvo models. Details like luxury features, repair costs, safety equipment, and claims frequency all factor into the price you pay for coverage.
The following table shows how average car insurance rates differ between Volvo models, according to Compare.com data.
Model | Average Liability Premium | Average Full-Coverage Premium |
|---|---|---|
| S40 | $86 | $157 |
| S60 | $108 | $197 |
| S80 | $98 | $178 |
| XC40 | $104 | $189 |
| XC60 | $99 | $180 |
| XC90 | $99 | $181 |
Compact models like the S40 have the cheapest car insurance premiums, at $86 per month for minimum coverage. Meanwhile, Volvo’s premium XC SUVs offer safety and value that help drivers enjoy midrange insurance rates.
The S60 luxury sedan is the most expensive Volvo to insure, with the full-coverage insurance rates averaging $197 per month.
Regardless of the average Volvo car insurance rates, you can find ways to save on your auto insurance premiums. The table below highlights the cheapest car insurance companies for Volvo drivers, based on Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Safeco | $94 |
| Mercury | $96 |
| Direct Auto | $132 |
| National General | $132 |
| Liberty Mutual | $150 |
Safeco offers the lowest average Volvo car insurance rates, at just $94 per month. But remember that insurance rates vary by many factors, including location, coverage levels, car model, and more. That’s why comparing quotes from multiple insurers is so important.
Next, let’s learn about some of the top insurance companies for different Volvo drivers.
Every Volvo driver has different needs, so there’s no “right” choice for everyone when it comes to auto insurance. But don’t worry, we’re here to help. We picked some of the best Volvo insurers based on their average rates, coverage options, customer ratings, and discounts. Check them out below.
| User Reviews | NR |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | NR |
Customers appreciate the accessible and friendly customer service but are unhappy with the significant and frequent price increases, especially for those with safe driving records.
Customers appreciate the accessible and friendly customer service but are unhappy with the significant and frequent price increases, especially for those with safe driving records.
Safeco is a solid choice for Volvo drivers who want good coverage at a competitive price. The auto insurer offers safe driving discounts and options like accident forgiveness and diminishing deductibles. Volvo drivers can also save money on their premiums with bundling, multi-car, and safety discounts.
Affordable Volvo insurance rates
Accident forgiveness available
Not available in all states
Below-average customer satisfaction ratings[4]
| User Reviews | NR |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | NR |
Customers appreciate the quality of the coverage but find the premiums high, especially after a no-fault accident. Some feel the support could improve.
Customers appreciate the quality of the coverage but find the premiums high, especially after a no-fault accident. Some feel the support could improve.
Mercury offers several discounts for young drivers, including good student and good driver discounts. Eligible teen Volvo drivers can also find savings with the MercuryGO telematics program. It offers a virtual driving coach to teach safe driving habits, helping lower your insurance rates.
Student and young driver discounts available
Offers usage-based program discounts
Available in only 11 states
Accident forgiveness not available
| User Reviews | 4.3 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $51/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $95/mo |
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
USAA offers some of the best value and service in the auto insurance industry for eligible military members. Qualifying Volvo owners can benefit from low premiums, easy-to-manage policies, and excellent customer service. While coverage is available only to military members, veterans, and their families, USAA offers them affordable rates and flexible coverage.
Low Volvo insurance premiums
Outstanding customer satisfaction ratings[4]
Only available to military members and families
24/7 phone support not available
Check quotes from 100+ top insurance companies.
Your location also affects the price you pay for auto insurance.[5] Local laws, weather patterns, theft rates, repair costs, and driving behavior all play a role in your insurance rates.
The map below lists average Volvo car insurance rates by state, according to Compare.com data.
state_id | Average Monthly Premium |
|---|---|
| Alabama | $93 |
| Arizona | $125 |
| Arkansas | $179 |
| California | $179 |
| Colorado | $146 |
| Connecticut | $284 |
| Delaware | $173 |
| Florida | $182 |
| Georgia | $185 |
| Idaho | $94 |
| Illinois | $116 |
| Indiana | $100 |
| Iowa | $85 |
| Kansas | $114 |
| Kentucky | $182 |
| Louisiana | $168 |
| Maine | $111 |
| Maryland | $257 |
| Massachusetts | $140 |
| Michigan | $219 |
| Minnesota | $140 |
| Mississippi | $140 |
| Missouri | $137 |
| Montana | $113 |
| Nebraska | $131 |
| Nevada | $222 |
| New Hampshire | $86 |
| New Jersey | $148 |
| New Mexico | $108 |
| New York | $359 |
| North Carolina | $70 |
| North Dakota | $108 |
| Ohio | $95 |
| Oklahoma | $121 |
| Oregon | $120 |
| Pennsylvania | $122 |
| Rhode Island | $107 |
| South Carolina | $205 |
| South Dakota | $90 |
| Tennessee | $105 |
| Texas | $166 |
| Utah | $136 |
| Vermont | $101 |
| Virginia | $135 |
| Washington | $104 |
| District of Columbia | $212 |
| West Virginia | $108 |
| Wisconsin | $95 |
| Wyoming | $90 |
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Finding the most affordable Volvo auto insurance can feel great for your budget. But if you ever need to file a claim, the cheapest car insurance might not be the best. You should consider both protection and price when choosing auto coverage.
Below are some tips to make sure your insurance gives you the coverage you need for your Volvo.
Understand your risk. Volvo SUVs are family favorites. If you regularly have passengers in your car, it’s a good idea to opt for more coverage with higher limits. Minimum coverage might satisfy your state’s requirements, but it could leave you financially vulnerable if you’re in an accident.
Satisfy your lender’s requirements. If you finance or lease your Volvo, your lender usually requires you to have full-coverage insurance to protect their investment.
Consider add-ons. Optional coverages like emergency roadside service and gap insurance might be worth the additional cost if they give you more protection and peace of mind.
Adjust your deductible. Consider paying a higher deductible to save on your monthly premiums. But make sure you have money set aside to pay for repair costs if you’re in an accident, because you’ll pay more out of pocket.
Once you know the type of coverage that works best for your Volvo, you can find insurance companies that best fit your situation.
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Average Volvo car insurance rates are slightly cheaper than the national average. But with the tips below, you can lock in even more savings.
Leverage Volvo safety features. Your Volvo’s safety features can help you save on coverage. Many insurers offer discounts for safety features like blind-spot warning and collision detection alarms.
Buy a cheaper Volvo. Your Volvo’s value affects your insurance rates. Buying a less expensive model can reduce your premium.
Bundle multiple vehicles. Many companies offer multi-car discounts for insuring more than one car on an auto policy.
Ask about low-mileage discounts. If you work from home or don’t drive often, ask your insurer if they offer usage-based or low-mileage programs to help you save.
Shop around. Car insurance prices fluctuate. You should compare quotes at least once a year to make sure the insurance rates you’re paying are still the best value.
Compare quotes from multiple insurers and save money in seconds.
Below are answers to common questions from Volvo owners about auto insurance.
Volvo drivers pay an average of $141 per month for car insurance, according to Compare.com data. Liability-only coverage costs an average of $100 per month, and full coverage costs $183 per month.
Not really. Volvo vehicles are usually cheaper than average to insure. Volvo car insurance costs an average of $141 per month, $9 less than the national average, according to Compare.com data.
The Volvo S40 is the cheapest Volvo model to insure, with liability coverage averaging $86 per month, according to Compare.com data. The XC60 and XC90 are the cheapest to insure of Volvo’s current production models, with liability rates averaging $99 per month.
The Acura RDX is the cheapest luxury car to insure, with rates averaging $118 per month, according to Compare.com data. But your insurance rates can vary by factors like your age, location, and driving record.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Michelle Lambright Black is a credit expert, content writer, and founder of CreditWriter.com. She has more than 20 years of experience writing and speaking about credit and money and has been writing for Compare.com since 2023.
Michelle’s work has appeared in publications such as Yahoo! Finance, Reader’s Digest, Parents, FICO, Forbes, Bankrate, The Seattle Times, MarketWatch, BuySide from Wall Street Journal, USA Today, Insurify, and more.
In her writing, she focuses on helping families and small business owners make smart, informed decisions about their credit, money, and financial products (including insurance).
Michelle is also a three-time finalist for the best personal finance freelancer award from the Plutus Foundation.
Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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