Over the past year, Jerry has helped 3,991 Volvo drivers find premium coverage and real savings. By analyzing real Volvo insurance policies, we know what owners are actually paying and what you can expect for each level of protection.
Competitive annual prices for Volvo drivers are currently around:
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$1,006 for basic coverage.
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$2,502 for standard coverage.
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$3,053 for premium coverage.
Of course, those figures are just reference points. Your actual premium will depend on your model along with your driving history and location.
On average, Volvo drivers pay between $2,178 and $4,911 annually for full coverage, with an average premium around $4,067. That’s right around the national average of $4,056, reflecting Volvo’s advanced safety systems, repair costs and luxury positioning.
Already insured? Jerry pulls live quotes from top insurers so you can easily compare rates and coverage. You can switch right away if we find a better deal, even before your renewal date. Jerry handles the paperwork, cancels your old policy and helps you get any refund you’re owed.
Fast track your Volvo insurance with Jerry.
How much does Volvo insurance cost?
Volvo insurance rates vary, but Jerry makes it simple to see what real drivers with your model and profile are paying today.
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Key takeaway: Even within the same city, two Volvo drivers can pay vastly different premiums. Jerry compares quotes from leading insurers to help you find coverage that fits your lifestyle and your car.
What’s the best Volvo car insurance?
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.
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Coverage definitions
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 |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
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:
| Insurance carrier | 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% |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
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
$70 – $155/mo
Offers the legal minimum limits, which vary by state.
Full
$147 – $334/mo
Includes minimum liability plus collision and comprehensive coverage.
Standard
$177 – $400/mo
Increases liability limits, adds things like UM/UIM, medical, towing & more.
Preferred
$196 – $426/mo
Raises liability further, lowers deductibles, expands extra coverages.
Based on drivers with no accidents or violations who saved with Jerry over the past 6 months. Quotes and coverage not available for all customers.
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.
Based on Jerry drivers aged 35–44 with clean records who requested standard coverage quotes over the past 60 months. Savings vary by state, coverage, and driver profile.
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
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Customer feedback: Drivers who switched with Jerry rate us 4.6 out of 5 stars on Trustpilot.
Drive with confidence
Volvo insurance costs can vary, but paying more than necessary shouldn’t be part of your journey. Whether you drive an XC60, V90 or S60 Recharge, 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.
It only takes 2 minutes to sign up at Jerry.
Stephanie Colestock is a professional writer, CFEI®, and licensed insurance agent specializing in personal finance. With over 14 years of experience, she crafts insightful and accessible content on a wide range of financial topics, including insurance, loans, credit/debt, investing, retirement planning, and banking.
Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Business Insider, USA Today, Money, Fox Business, and CBS. Stephanie’s deep understanding of complex financial concepts and her ability to communicate them clearly have made her a trusted voice in the industry.
When she’s not writing, Stephanie enjoys SCUBA diving, reading a good book, and traveling the world with her family.
Methodology
Statistics and conclusions presented in this article based on drivers who requested quotes through Jerry over the past 12 months and who had no accidents or violations, unless otherwise indicated. Quotes and coverage not available for all customers. Not all customers find savings.
