Volvo S40 T5 Insurance Rates

Estimated insurance rates for a Volvo S40 T5 are $1,510 a year including full coverage. Comprehensive insurance costs an estimated $354, collision costs $634, and liability coverage costs around $364. A policy with only liability insurance costs as low as $430 a year, with a high-risk policy costing $3,260 or more. Teenage drivers pay the most at $5,482 a year or more.

Annual premium for full coverage: $1,510

Premium estimates broken down by type of insurance:

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Volvo S40 Trim Level

These rate differences highlight why anyone shopping for car insurance should compare prices for a targeted area and risk profile, rather than using average rates.

Use the form below to get rates for your location.

Car insurance rates for a Volvo S40 T5 also have a wide range based on your driving characteristics, the replacement cost of your S40, and liability limits and deductibles.

An older driver with no driving violations and high deductibles may only pay around $1,400 a year, or $117 per month, for full coverage. Rates are much higher for drivers in their teens, where even good drivers will be charged at least $5,400 a year. View Rates by Age

Where you choose to live has a huge impact on Volvo S40 T5 insurance rates. A driver around age 40 might see rates as low as $1,060 a year in states like North Carolina, Indiana, and , or be forced to pay as much as $1,950 on average in Louisiana, Montana, and Michigan. Rates by state and city are shown later in the article.

Using high physical damage deductibles could cut rates by as much as $660 a year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will cost up to $327 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are likely paying $1,800 to $2,400 extra annually, depending on your age. High-risk driver insurance can be around 44% to 133% more than a normal policy. View High Risk Driver Rates

With such a large range of rates, the best way to figure out who has the best auto insurance rates is to compare rates and see how they stack up. Each insurance company uses a different method to calculate rates, so rate quotes will be substantially different from one company to the next.

View Chart as Image

The chart above shows average Volvo S40 T5 insurance rates for different risk profiles and scenarios. The cheapest rate with discounts is $862. Drivers who use higher $1,000 deductibles will pay around $1,288. The average rate for a driver around age 40 using $500 deductibles is $1,510. Using more expensive $100 deductibles for collision and other-than-collision coverage could cost up to $1,948. Drivers with multiple violations and accidents could be charged up to $3,260. The price for full coverage for a teenage driver can be as high as $5,482.

View Chart as Image