Volvo car insurance

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1Correct as of July 2024

How much does a Volvo cost to insure?

There are many factors that impact how much it costs to get car insurance for your Volvo. These include the age and model of your car, as well individual factors like your no-claims bonus and your age.

Here are the average insurance prices for some popular models of Volvo:

Model Average price2
Volvo XC40 R-Design
V40 Cross country
Volvo S40 S
Volvo XC90
Volvo C30 R-Design

2Based on data November - April 2024

What affects the price of car insurance?

There are a number of factors that can affect the price that you pay for your car insurance, these include:

Your driving history

This includes things like any accidents you've had, the claims you've made and any driving convictions you have. All of these help give insurers an idea of how you drive and as a result, influence how much you pay.

Level of security

Cars with trackers and alarms are seen as more secure by insurance companies and should have a positive impact on the cost of your policy.

Your voluntary excess

This is the amount you are willing to pay if you have to make a claim as a result of an accident. The higher this amount is, the lower the cost of your policy will be.

Your age and driving experience

A lot of insurers see younger drivers as much higher risk compared to older drivers, so premiums tend to be higher for younger people.

Your job

Your occupation will be a factor in your insurance costs. If you work in a job that means you spend a lot of time on the road, it could cause your insurance costs to be higher.

How can I save on Volvo car insurance?

How much you pay for car insurance for your Audi depends on a lot of factors mentioned above, but there are things you can do to help bring down the cost of your policy:

Pay annually for your car insurance and you could save money. If you decide to pay monthly, you could end up paying more for your policy due to interest rates.

Taking a driving course such as an advanced driving course or pass plus could also help reduce the cost of your insurance. This is because you'll be seen as less likely to have an accident in the eyes of your insurer, which should help lower the cost of your insurance.

Make sure you choose the right level of cover for your Volvo. It's a common mistake for people to think that third party cover will be the cheapest, when in fact comprehensive cover is often the cheapest and also provides the highest level of cover.

Consider how you use your car. If you just use your car socially and for getting to and from your place of work, then social and commuting cover will be fine. If you don't use your car for work-related purposes, then you won't need business car insurance.

Adding a named driver to your insurance could also save you money. This will all depend on the experience, driving history and no-claims bonus that this driver has. Just be sure to list the main driver of the car as the policy holder to avoid issues such as fronting.

What insurance can I get for my Volvo?

When you buy car insurance, you can choose from 3 levels of cover which include:

  • Third-party
  • Third-party fire and theft
  • Comprehensive
  • Third-party is the minimum legal level of cover you need to drive on the road in the UK. This will protect you against damage caused to other people's car and property, as well as injuries to other people, including passengers.
  • Third-party fire and theft offers the same level of cover as third party insurance, but you'll also get cover for your own car if it catches fire or is stolen.
  • Comprehensive insurance is the highest level of cover available for your car. Your car is covered for any damage or repairs it needs, as well as cover any damage to someone else's car or property.

What optional extras can I get with my Volvo car insurance?

When it comes to adding optional extras to your Volvo car insurance policy, it's important you only add things that you'll need. This will help keep the cost of your policy down as well as giving you the cover you want. Here are some of the most common optional extras that people choose:

Personal accident cover will pay out if you're in an accident, regardless of who's fault it is.

Motor legal protection may also be known as legal cover. If you're involved in an accident, then it will cover the costs of things that aren't covered by your car insurance policy, including any treatment, travel or legal costs such as a solicitor.

Breakdown cover provides you with roadside help if your car breaks down. There are usually levels of cover involved with this, but depending on what you choose, your cover may include things like helping you get home or to a garage and arranging any onward travel.

Windscreen cover will cover the costs of replacing your windscreen if you're involved in an accident. This can sometimes have an excess to pay, so make sure you check this before taking out the cover.

Courtesy car cover provides you with a car if yours needs any repairs after you've been involved in an accident.

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Page last reviewed: 07/05/2024

Reviewed by: Louise Thomas