Volvo Car Insurance Costs for August 2025

Written by R.E. Fulton and 2 others
Updated Jul 29, 2025
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Volvo Car Insurance Costs for August 2025

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Jerry Summary

Volvo car insurance costs $306 per month, on average, according to a August 2025 analysis of full coverage auto insurance quotes for Jerry customers. Aspire Advantage offers the cheapest coverage at $177 per month for full coverage. But the model and trim level you choose will greatly influence how much you pay. Save by comparing quotes from multiple insurers, bundling policies and asking for discounts.

Volvo car insurance premiums can differ greatly. Here are average costs by model, which insurers offer the best value and how to effectively shop for Volvo coverage.

Average Volvo car insurance costs

The average cost of full coverage Volvo car insurance is $306 per month, according to Jerry’s data analysis of auto insurance quotes. Minimum coverage costs an average of $145 per month.

The cost to insure a Volvo depends on the specific model, the vehicle’s age, your driving history and your demographics. More expensive cars often mean higher insurance premiums, but not always. To get the best deal, it’s important to compare car insurance quotes  from different insurers for the Volvo you’re looking at.

Here are full coverage insurance averages for several Volvo models, based on Jerry’s data analysis.

Car Model
Avg Monthly Quote
240 $130
740 $204
850 $114
940 $101
960 $214
C30 $332
C40 $437
C70 $219
S40 $241
S60 $362
Last Updated Jul, 2025

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

Click for average minimum coverage costs, by Volvo model.
Car Model
Avg Monthly Quote
240 $89
850 $61
C30 $162
C40 $161
C70 $114
S40 $123
S60 $139
S70 $164
S80 $154
S90 $156
Last Updated Jul, 2025

Average cost of Volvo car insurance, by state

Every state has its own insurance laws and risk factors — including weather events, uninsured drivers and population density — which is why premiums for Volvo vehicles differ across the country.

For example, Volvo auto insurance in Texas costs an average of $273 per month for full coverage. In New Jersey, the monthly average is $341.

Below are the average full coverage costs for Volvo insurance by state.

State
Avg Monthly Quote
AL $172
AR $260
AZ $206
CA $319
CO $297
CT $311
DC $428
DE $238
FL $303
GA $350
Last Updated Jul, 2025

Factors that affect Volvo car insurance costs

Sedans, crossovers, and SUVs, oh my! Your rates depend on which Volvo model you own. Here’s why your specific model affects your insurance premium:

  • Safety features: Volvo is known for great safety ratings across its entire lineup, but some models are extra impressive (like the XC40 SUV, which earns top crash test ratings).
  • Value: If your model is worth a lot of money, you’ll pay more to insure it. That’s why a newer XC90 costs more to insure than a 2017 XC40.
  • Engine: More horsepower equals a higher risk for speeding tickets and accidents. The S90 T8’s 455-hp engine contributes to its high insurance costs compared to less powerful Volvos.
  • Repair costs: Some models (especially an electric car like the XC40 Recharge) cost a lot to repair. Repair costs, and the cost of replacement parts, are factored into your insurance costs.
  • Vehicle cost: You’ll pay more for full coverage (collision and comprehensive) on luxury vehicles and high-performance models (like the XC60).
  • Vehicle age: Newer models tend to have more complex technology and higher market value—so they usually cost more to insure.
  • Cost of parts: If you own a rare model (or an electric vehicle), replacement parts can be costly and hard to find. This can drive up insurance prices.
  • Your age: Drivers under the age of 25 pay the most for coverage, no matter which car they drive. Drivers over 70 years of age pay more than average, too.
  • Your driving record and claims history: If you have a clean driving history, you’ll enjoy the lowest rates. However, if you have accidents and violations on your record, you’ll have to pay more for coverage.
  • Where you keep your car: Your zip code and your parking location matter a lot. Dense cities and risky neighborhoods increase the risk of getting into an accident, so you’ll pay more for coverage in these areas.

Here are a few specific factors that impact auto insurance rates for Volvo:

  • Imports: Most Volvo vehicles are imported from Sweden, although some are manufactured in the USA. This can drive up the cost of insurance because imported replacement parts cost more.
  • Safety: Volvo receives consistently high ratings for safety. Many of their vehicles have been top safety picks from major insurance bodies like the IIHS.
  • Reliability: Unfortunately, Volvos do not get the best reliability ratings. With higher claims rates for some models, drivers pay higher prices for coverage.

Best Volvo car insurance

To find the best car insurance companies, Jerry’s editorial team conducts yearly evaluations using metrics like complaint frequency and a carrier’s financial strength.

Here are our recommended companies for 2025.

Insurance companyBest for:Jerry star rating (out of 5)
GeicoOverall car insurance.5
Auto-OwnersSmall insurance company.4.9
NationwideUsage-based insurance.4.7
AllstateDiscounts.4.7
FarmersCustomizable options.4.6
ProgressiveLoyal policyholders.4.6

These insurers are solid picks overall, but some aren’t available in all states. To see our top insurers in your state, click below.

Click for the best car insurance by state.

Cheapest Volvo car insurance

Full coverage

Aspire Advantage offers the cheapest full coverage car insurance for Volvo, with an average rate of $177 per month.

Below are the cheapest insurance companies for Volvo for full coverage, according to Jerry’s data analysis.

Insurance Company
Average full coverage cost
Aspire Advantage $177
ROOT $210
Safeco $216
Mercury $232
Bluefire $237
Last Updated Jul, 2025

Learn more: What does full coverage car insurance cover?

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

Minimum coverage

Mercury offers the cheapest minimum coverage auto insurance for Volvo, with an average rate of $32 per month.

These are the most cost-effective insurance companies for minimum coverage for a Volvo, according to Jerry’s analysis.

Insurance Company
Average minimum coverage cost
Mercury $32
Aspire Advantage $54
Safeco $96
National General $101
Embark General $107
Last Updated Jul, 2025

By state

The cheapest Volvo insurance company varies between states, due to varying state regulations and minimum requirements. To see the cheapest carriers in your state, click below.

Click for the cheapest car insurance by state.

Volvo S60 auto insurance costs

The average car insurance cost for a Volvo S60 is $362 per month, according to Jerry’s data analysis of full coverage quotes.

Here are S60 auto insurance rates from Jerry customers with full coverage policies.

Trim
Avg Monthly Quote
Volvo S60 $332
Volvo S60 2.4t $283
Volvo S60 2.5t $423
Volvo S60 2.5t Awd $272
Volvo S60 2.5t Fwd $234
Volvo S60 B5 Momentum $423
Volvo S60 B5 R-Design $336
Volvo S60 Core $449
Volvo S60 Cross Country $261
Volvo S60 Dynamic $313
Last Updated Jul, 2025

Volvo S90 auto insurance costs

The average car insurance cost for a Volvo S90 is $444 per month, according to an analysis of full coverage quotes to real Jerry customers.

Here are S90 auto insurance rates from Jerry customers with full coverage policies.

Trim
Avg Monthly Quote
Volvo S90 $138
Volvo S90 Plus $755
Volvo S90 T5 Inscription $353
Volvo S90 T5 Momentum $316
Volvo S90 T6 Inscription $620
Volvo S90 T6 Momentum $601
Volvo S90 T8 Inscription $817
Volvo S90 Ultimate $454
Volvo S90 Ultra $490
Last Updated Jul, 2025

Volvo XC60 auto insurance costs

The average car insurance cost for a Volvo Xc60 is $302 per month, according to Jerry’s full coverage quote data.

Here are Xc60 auto insurance rates from Jerry customers with full coverage policies.

Trim
Avg Monthly Quote
Volvo Xc60 3.2 $264
Volvo Xc60 3.2 Premier $221
Volvo Xc60 B5 Inscription $289
Volvo Xc60 Core $366
Volvo Xc60 Plus $368
Volvo Xc60 T5 $387
Volvo Xc60 T5 Inscription $378
Volvo Xc60 T5 Momentum $312
Volvo Xc60 T5 Platinum $374
Volvo Xc60 T5 Premier $228
Last Updated Jul, 2025

Volvo XC90 auto insurance costs

The average car insurance cost for a Volvo Xc90 is $293 per month, according to Jerry’s analysis of full coverage quotes.

Here are Xc90 auto insurance rates from Jerry customers with full coverage policies.

Trim
Avg Monthly Quote
Volvo Xc90 $284
Volvo Xc90 3.2 $203
Volvo Xc90 3.2 Awd $299
Volvo Xc90 3.2 Fwd $227
Volvo Xc90 Core $522
Volvo Xc90 Plus $415
Volvo Xc90 R-Design $184
Volvo Xc90 Sport $213
Volvo Xc90 T5 $307
Volvo Xc90 T5 Momentum $338
Last Updated Jul, 2025

Volvo car insurance shopping tips

There are a variety of ways to save money when insuring a Volvo vehicle.

  • Shop around: Shopping around for insurance coverage is the fastest way to find low rates. Use a comparison app to look at free quotes from major companies, and then sign up for the best deal. Jerry can help you cancel your old policy, too.
  • Opt for a smaller vehicle: Smaller cars tend to cost less to insure, like an S60 instead of an XC40. You’ll save even more money if you buy a used model.
  • Bundle your insurance policies: Bundling your home and auto insurance with the same company can unlock a nice discount.
  • Ask about discounts: While not specific to Volvo, many companies offer car insurance discounts for things like safe driving, autopay, or eStatements. Eligibility requirements vary.
  • Reduce your coverage: If you drive an older vehicle below a certain value threshold, you may want to consider reducing coverage on your collision and comprehensive insurance.

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 6 months for drivers with a clean record and that have full coverage, unless stated otherwise. Data related to violations, accidents or credit scores pull from quote data from the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

Over the past 12 months, 25% of drivers who switched with Jerry paid $85 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.
Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.