Prachi Singh Written by Prachi Singh
Contributing Researcher

Prachi is an insurance writer with a master's degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry.


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The average car insurance cost for Volvo, drivers age 30, is $1910 per year and $1,829 per year for drivers age 40. The car insurance rates for Volvo are lower because of the high crash test ratings conducted by IIHS, making them safer cars to insure.

Driving a Volvo is a terrific way to exhibit your personality and style. Wondering how much car insurance rates for Volvo cars are?

The average car insurance cost for Volvo is $2,632 per year for drivers age 40.

With competitive rates on your car insurance from multiple insurers, it saves money and does not break the bank. You can save up to 40% on your car insurance by making a known choice today! It is not required to pay more than necessary for something as important as auto coverage.

Insurance.com offers a guide to help you find the best Volvo car insurance rates so you can get an estimate of how much your policy would cost. This guide exclusively talks about the auto insurance rates of available Volvo models, the cheapest trim level to insure, and safety ratings from IIHS for the models.

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Average Volvo car insurance cost by model

All auto insurance companies have their own pricing model, which means the cost of car insurance varies. The type of automobile you drive also matters. The expense to insure a Volvo model is determined by its base price, safety features, repair costs, part prices, and risk of being in an accident.

A few other reasons that affect the Volvo car insurance rates specifically are as follows:

  1. The statistics of crash tests done by IIHS (Insurance Institute of Highway Safety) for every make and model of Volvo suggest that they are safe cars to insure. The statistics come in line with the reputation of Volvo for making safe cars. And safer cars are usually cheaper to insure.
  2. The price of parts for Volvo cars is expensive. It is because some parts need to be imported from various parts of the world. And expensive parts mean higher premiums for car insurance because the insurance company will have to pay a higher payout if the owner makes a claim.

Amongst the various available models, the cheapest Volvo vehicle to insure is XC40 at $2,077 per year for drivers age 40. The most expensive Volvo car to insure is S90 at $3,388 per year for drivers age 40.

The table below lists the Volvo car insurance costs for the other available models:

Year and modelAverage annual premium
2023 Volvo XC40$2,077
2023 Volvo XC60$2,298
2023 Volvo XC90$2,625
2023 Volvo C40$2,667
2023 Volvo V90$2,701
2023 Volvo S60$3,083
2023 Volvo V60$3,141
2023 Volvo S90$3,388

Choose Your Vehicle Model

Volvo S60 car insurance

Volvo S60
S60 Highlights
  • The average cost to insure a Volvo S60 is $3,083 per year
  • MSRP range - $39,250 - $64,800
  • Trim Levels – B5 AWD, B5 FWD, B5 Momentum, T8 AWD, T8 FWD. T8 eAWD

The Volvo S60 was first introduced in 2000 and is now in its second generation. The small luxury car is recognized for its well-cushioned seats, good gas mileage, and smooth ride.

Rates for Volvo S60 auto insurance differs significantly by the provider, even for the same coverage. If you have been with your current insurance company for more than a few years, it is an innovative idea to get fresh quotes to make sure you are not paying too much.

The owners of Volvo S60 must pay $3,083 per year or $257 per month for their car insurance coverage. Out of the different trim levels available, the cheapest trim level to insure is the Volvo S60 B5 Momentum. The IIHS ratings are rated good for the various crash tests including the side impact test, roof strength test, and moderate overlap front test.

The table below lists the average car insurance rates for the other available models of the Volvo S60:

Rates by model
Year and modelAverage annual premium
2023 Volvo S60$3,083
2022 Volvo S60$2,342
2021 Volvo S60$1,932
2020 Volvo S60$1,895
2019 Volvo S60$1,941
2018 Volvo S60$1,900
2017 Volvo S60$1,841
2016 Volvo S60$1,791
Rates by company
CompanyAverage annual premiumAverage monthly premium
Geico$1,894$158
State Farm$2,082$174
Farmers$2,873$239
Nationwide$2,886$241
Progressive$2,927$244
Allstate$5,747$479
Rates by state
StateAverage annual premium% Diff from national average
Alabama$3,61957% more
Alaska$2,4918% more
Arizona$2,85424% more
Arkansas$3,19539% more
California$4,17081% more
Colorado$5,050119% more
Connecticut$2,70117% more
Delaware$3,05132% more
Florida$4,791108% more
Georgia$4,29086% more
Hawaii$2,01912% less
Idaho$2,2054% less
Illinois$2,85524% more
Indiana$2,53310% more
Iowa$2,4245% more
Kansas$3,00630% more
Kentucky$4,35489% more
Louisiana$4,03275% more
Maine$2,02912% less
Maryland$2,82022% more
Massachusetts$2,88025% more
Michigan$3,54854% more
Minnesota$2,92527% more
Mississippi$2,74319% more
Missouri$4,56698% more
Montana$2,93027% more
Nebraska$4,40691% more
Nevada$2,4426% more
New Hampshire$2,1576% less
New Jersey$2,73219% more
New Mexico$3,02231% more
New York$3,28442% more
North Carolina$2,55211% more
North Dakota$2,61513% more
Ohio$2,2761% less
Oklahoma$2,4798% more
Oregon$2,74019% more
Pennsylvania$3,09034% more
Rhode Island$3,84867% more
South Carolina$2,99830% more
South Dakota$3,49352% more
Tennessee$3,11235% more
Texas$3,48651% more
Utah$2,5029% more
Vermont$1,86719% less
Virginia$2,1527% less
Washington$2,3552% more
Washington, D.C.$3,25541% more
West Virginia$4,41091% more
Wisconsin$2,2931% less
Wyoming$3,90970% more

Compare Volvo S60 car insurance rates by state

Volvo S90 car insurance

Volvo S90
S90 Highlights
  • The average cost to insure a Volvo S90 is $3,388 per year
  • MSRP range - $51,850 - $60,050
  • Trim Levels – Momentum, R-Design, Inscription

The Volvo S90 is the company's newest flagship sedan, launched in 2017. The midsize luxury vehicle is recognized for its premium interior, semi-autonomous driving mode, and a variety of powerful engine choices.

As per the rate analysis conducted by Insurance.com, the cost of insuring the Volvo S90 is $3,388 per year or $282 per month. The Volvo Momentum is the cheapest trim level to insure, among the three available trims. The older the model, the lesser the cost of insurance. Here, the cost of insurance for the 2023 S90 model is 38% more than the cost to insure the 2017 S90 model.

The average annual rates for Volvo S90 are depicted in the table below:

Rates by model
Year and modelAverage annual premium
2023 Volvo S90$3,388
2022 Volvo S90$2,513
2021 Volvo S90$2,264
2020 Volvo S90$2,177
2019 Volvo S90$2,223
2018 Volvo S90$2,173
2017 Volvo S90$2,101
Rates by company
CompanyAverage annual premiumAverage monthly premium
State Farm$2,174$181
Geico$2,703$225
Farmers$2,994$249
Nationwide$3,034$253
Progressive$3,437$286
Allstate$6,177$515
Rates by state
StateAverage annual premium% Diff from national average
Alabama$4,02775% more
Alaska$2,5239% more
Arizona$3,07233% more
Arkansas$3,56355% more
California$4,30787% more
Colorado$5,710148% more
Connecticut$2,95928% more
Delaware$3,31544% more
Florida$5,162124% more
Georgia$4,712104% more
Hawaii$2,04711% less
Idaho$2,4155% more
Illinois$3,08334% more
Indiana$2,81922% more
Iowa$2,83623% more
Kansas$3,16237% more
Kentucky$5,050119% more
Louisiana$4,56098% more
Maine$2,1855% less
Maryland$3,17938% more
Massachusetts$3,33044% more
Michigan$3,86668% more
Minnesota$3,42749% more
Mississippi$3,30043% more
Missouri$5,328131% more
Montana$3,38347% more
Nebraska$5,089121% more
Nevada$2,64415% more
New Hampshire$2,3683% more
New Jersey$3,08434% more
New Mexico$3,32844% more
New York$3,76563% more
North Carolina$2,82022% more
North Dakota$3,02431% more
Ohio$2,56111% more
Oklahoma$2,95728% more
Oregon$3,04732% more
Pennsylvania$3,28543% more
Rhode Island$4,26485% more
South Carolina$3,22940% more
South Dakota$4,47194% more
Tennessee$3,45350% more
Texas$4,18482% more
Utah$2,75019% more
Vermont$2,1566% less
Virginia$2,4617% more
Washington$2,54010% more
Washington, D.C.$3,76663% more
West Virginia$4,945115% more
Wisconsin$2,57212% more
Wyoming$4,23584% more

Compare Volvo S90 car insurance rates by state

Volvo V60 car insurance

Volvo V60
V60 Highlights
  • The average cost to insure a Volvo V60 is $3,141 per year
  • Starting MSRP - $63,700
  • Trim Levels – Momentum, R-Design, Inscription

The Volvo V60 has been on the market since 2011 and arrived in the United States in 2014. It is a five-seat wagon-based sedan known for its powerful engine selection and good fuel efficiency.

The cost of insurance for the Volvo V60 drivers is $3,141 per year or $262 per month. The NHTSA (National Highway Traffic Safety Administration) has given a five-star rating for the overall safety of the Volvo V60. They have also given a four-on-five rating for passenger frontal barrier crash rating.

The table below covers the car insurance rates for the various available models of the Volvo V60:

Rates by model
Year and modelAverage annual premium
2023 Volvo V60$3,141
2022 Volvo V60$2,395
2021 Volvo V60$1,825
2020 Volvo V60$1,772
2019 Volvo V60$1,744
2018 Volvo V60$1,778
2017 Volvo V60$1,737
2016 Volvo V60$1,698
Rates by company
CompanyAverage annual premiumAverage monthly premium
State Farm$2,226$186
Nationwide$2,564$214
Geico$2,643$220
Farmers$2,849$237
Progressive$3,290$274
Allstate$4,716$393
Rates by state
StateAverage annual premium% Diff from national average
Alabama$2,74619% more
Alaska$2,4978% more
Arizona$2,94728% more
Arkansas$3,41248% more
California$4,05676% more
Colorado$5,585142% more
Connecticut$2,81522% more
Delaware$3,18438% more
Florida$4,918113% more
Georgia$3,30944% more
Hawaii$1,64129% less
Idaho$2,02112% less
Illinois$2,4978% more
Indiana$2,1825% less
Iowa$2,69117% more
Kansas$2,98129% more
Kentucky$4,787108% more
Louisiana$4,40891% more
Maine$2,00313% less
Maryland$3,06633% more
Massachusetts$3,22640% more
Michigan$3,64758% more
Minnesota$2,70717% more
Mississippi$3,16237% more
Missouri$3,36646% more
Montana$3,15237% more
Nebraska$3,14036% more
Nevada$2,5219% more
New Hampshire$2,296Equal
New Jersey$2,77420% more
New Mexico$2,81822% more
New York$3,63358% more
North Carolina$2,68917% more
North Dakota$2,55111% more
Ohio$2,00413% less
Oklahoma$2,4637% more
Oregon$2,75520% more
Pennsylvania$3,17038% more
Rhode Island$4,03675% more
South Carolina$2,83923% more
South Dakota$3,78464% more
Tennessee$3,30243% more
Texas$3,84567% more
Utah$2,4295% more
Vermont$2,3532% more
Virginia$1,98514% less
Washington$2,08110% less
Washington, D.C.$3,66159% more
West Virginia$4,37990% more
Wisconsin$2,4396% more
Wyoming$4,02074% more

Compare Volvo V60 car insurance rates by state

Volvo V90 car insurance

Volvo V90
V90 Highlights
  • The average cost to insure a Volvo V90 is $2,701 per year
  • Starting MSRP - $56,200
  • Trim Levels – R-Design, Inscription, Cross Country

The Volvo V90 is a station wagon combined with the utility of an SUV. It is loaded with the latest technology, design, and style.

Car insurance rates for Volvo V90 usually rise over time. By comparing prices, you may discover that your current insurer has the best deal for you or that it is time to switch insurers. ZIP code, marital status, yearly mileage, driving history, and vehicle make and model are just a few of the elements that impact your insurance premiums.

The insurance cost for Volvo V90 is $2,701 per year or $225 per month. The trim, Volvo V90 Cross Country is the cheapest trim level to insure. The annual rate of insurance for the other Volvo V90 models is listed in the table below:

Rates by model
Year and modelAverage annual premium
2023 Volvo V90$2,701
2022 Volvo V90$2,393
2021 Volvo V90$1,930
2020 Volvo V90$1,996
2019 Volvo V90$2,069
2018 Volvo V90$1,979
2017 Volvo V90$2,061
Rates by company
CompanyAverage annual premiumAverage monthly premium
Progressive$1,897$158
State Farm$2,190$182
Geico$2,365$197
Farmers$2,806$234
Nationwide$2,837$236
Allstate$4,107$342
Rates by state
StateAverage annual premium% Diff from national average
Alabama$2,53010% more
Alaska$2,05311% less
Arizona$2,61914% more
Arkansas$2,79521% more
California$3,93471% more
Colorado$5,203126% more
Connecticut$2,3381% more
Delaware$2,68817% more
Florida$4,06876% more
Georgia$2,99630% more
Hawaii$1,68727% less
Idaho$2,1696% less
Illinois$2,5029% more
Indiana$2,05411% less
Iowa$2,2761% less
Kansas$2,76220% more
Kentucky$4,02274% more
Louisiana$3,68360% more
Maine$1,72225% less
Maryland$2,55611% more
Massachusetts$2,4034% more
Michigan$3,48651% more
Minnesota$2,86224% more
Mississippi$2,58812% more
Missouri$3,05332% more
Montana$2,76820% more
Nebraska$2,96729% more
Nevada$2,2293% less
New Hampshire$1,87319% less
New Jersey$2,5089% more
New Mexico$2,79121% more
New York$2,88825% more
North Carolina$2,84423% more
North Dakota$2,4597% more
Ohio$1,87219% less
Oklahoma$2,57011% more
Oregon$2,4105% more
Pennsylvania$2,59312% more
Rhode Island$3,33445% more
South Carolina$2,4004% more
South Dakota$3,44349% more
Tennessee$2,79921% more
Texas$2,83223% more
Utah$2,303Equal
Vermont$2,1537% less
Virginia$1,75424% less
Washington$1,86219% less
Washington, D.C.$2,66816% more
West Virginia$2,4074% more
Wisconsin$2,01413% less
Wyoming$3,73362% more

Compare Volvo V90 car insurance rates by state

Volvo XC60 car insurance

Volvo XC60
XC60 Highlights
  • The average cost to insure a Volvo XC60 is $2,298 per year
  • MSRP range - $42,650 - $69,500
  • Trim Levels – Momentum, R-Design, Inscription

The Volvo XC60 has been on the market since 2008, and it is currently in its second iteration. The small luxury SUV is recognized for its excellent fuel efficiency and powerful engines.

The average rate of insurance for Volvo XC60, as per the analysis done by Insurance.com, is $2,298 per year or $191 per month. The trim level Volvo Momentum is the cheapest trim level to insure. For other available Volvo XC60 models, insurance costs are listed in the table below:

Rates by model
Year and modelAverage annual premium
2023 Volvo XC60$2,298
2022 Volvo XC60$1,874
2021 Volvo XC60$1,609
2020 Volvo XC60$1,613
2019 Volvo XC60$1,644
2018 Volvo XC60$1,670
2017 Volvo XC60$1,579
2016 Volvo XC60$1,532
Rates by company
CompanyAverage annual premiumAverage monthly premium
State Farm$1,632$136
Geico$1,800$150
Progressive$2,025$169
Nationwide$2,066$172
Farmers$2,589$216
Allstate$3,734$311
Rates by state
StateAverage annual premium% Diff from national average
Alabama$2,63114% more
Alaska$1,81521% less
Arizona$2,2453% less
Arkansas$2,3361% more
California$3,06433% more
Colorado$3,50752% more
Connecticut$2,1467% less
Delaware$2,298Equal
Florida$3,61557% more
Georgia$3,19539% more
Hawaii$1,46237% less
Idaho$1,65328% less
Illinois$2,1168% less
Indiana$1,92816% less
Iowa$1,72725% less
Kansas$2,1985% less
Kentucky$3,32844% more
Louisiana$3,17538% more
Maine$1,44237% less
Maryland$2,1467% less
Massachusetts$2,1198% less
Michigan$2,94628% more
Minnesota$2,1805% less
Mississippi$2,07610% less
Missouri$3,18938% more
Montana$2,2492% less
Nebraska$3,04932% more
Nevada$1,98414% less
New Hampshire$1,61330% less
New Jersey$2,3261% more
New Mexico$2,308Equal
New York$2,2482% less
North Carolina$2,2403% less
North Dakota$1,87619% less
Ohio$1,74324% less
Oklahoma$2,1995% less
Oregon$2,1069% less
Pennsylvania$2,1935% less
Rhode Island$2,4928% more
South Carolina$2,06410% less
South Dakota$2,67616% more
Tennessee$2,3984% more
Texas$2,57912% more
Utah$1,98814% less
Vermont$1,47436% less
Virginia$1,64529% less
Washington$1,79022% less
Washington, D.C.$2,4577% more
West Virginia$2,87125% more
Wisconsin$1,70526% less
Wyoming$2,78421% more

Compare Volvo XC60 car insurance rates by state

Volvo XC90 car insurance

Volvo XC90
XC90 Highlights
  • The average cost to insure a Volvo XC90 is $2,625 per year
  • MSRP range - $49,900 - $70,600
  • Trim Levels – Momentum, R-Design, Inscription

The Volvo XC90 is the largest and most expensive model in the line-up of Volvo. It is a three-row SUV with spacious second and third-row seating, as well as pleasant interior and exterior styling.

The cost of insuring a Volvo XC90 is $2,625 per year or $219 per month. Of all the trim levels, the Volvo Momentum trim is the cheapest to insure. The IIHS has given a good rating for the overall safety of the car. The below table consists of the Volvo XC90 car insurance rates for other models:

Rates by model
Year and modelAverage annual premium
2023 Volvo XC90$2,625
2022 Volvo XC90$1,791
2021 Volvo XC90$1,754
2020 Volvo XC90$1,833
2019 Volvo XC90$1,854
2018 Volvo XC90$1,863
2017 Volvo XC90$1,781
2016 Volvo XC90$1,682
Rates by company
CompanyAverage annual premiumAverage monthly premium
State Farm$1,809$151
Geico$2,100$175
Nationwide$2,363$197
Progressive$2,391$199
Farmers$2,781$232
Allstate$4,318$360
Rates by state
StateAverage annual premium% Diff from national average
Alabama$2,96128% more
Alaska$2,05811% less
Arizona$2,54811% more
Arkansas$2,64415% more
California$3,34845% more
Colorado$4,00374% more
Connecticut$2,304Equal
Delaware$2,60513% more
Florida$4,03275% more
Georgia$3,50952% more
Hawaii$1,59931% less
Idaho$1,86219% less
Illinois$2,4305% more
Indiana$2,1457% less
Iowa$2,1696% less
Kansas$2,4697% more
Kentucky$3,78664% more
Louisiana$3,52653% more
Maine$1,72625% less
Maryland$2,3874% more
Massachusetts$2,3733% more
Michigan$3,16437% more
Minnesota$2,62814% more
Mississippi$2,3653% more
Missouri$3,89269% more
Montana$2,56611% more
Nebraska$3,69360% more
Nevada$2,1337% less
New Hampshire$1,83920% less
New Jersey$2,5229% more
New Mexico$2,65815% more
New York$2,71118% more
North Carolina$2,3803% more
North Dakota$2,2363% less
Ohio$1,92816% less
Oklahoma$2,2921% less
Oregon$2,314Equal
Pennsylvania$2,53210% more
Rhode Island$3,21239% more
South Carolina$2,4245% more
South Dakota$3,08834% more
Tennessee$2,75620% more
Texas$3,21840% more
Utah$2,1676% less
Vermont$1,76923% less
Virginia$1,84820% less
Washington$1,99014% less
Washington, D.C.$2,80222% more
West Virginia$3,47751% more
Wisconsin$2,00213% less
Wyoming$3,23240% more

Compare Volvo XC90 car insurance rates by state

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