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Comprehensive Volvo car insurance premiums range from £550 to £7,000 annually, depending on the model, location and driver details. Basic third-party policies start at around £300, while rates for high-performance models, such as the Polestar Engineered line-up tend to be higher.
Specific variables that increase Volvo insurance rates include:
When calculating premiums, insurers mainly examine:
Recent accidents, traffic violations and disqualifications can raise rates substantially. A clean driving history typically lowers costs.
Policies for Volvo owners who drive daily often cost more than those covering occasional recreational use. Mileage also impacts premiums.
Insurers offer discounts for approved alarms, immobilisers, tracking devices and secure garaging, as these measures help to deter theft.
Lower coverage levels reduce premiums but may leave drivers exposed if they need to make a major claim. Finding the right balance between cost and cover is key.
Here are some top ways to get cheaper Volvo insurance in the UK:
Shopping around, optimising risk factors and leveraging available discounts are all good options for finding affordable Volvo insurance. It is advisable to spend time comparing specialist Volvo insurers on comparison sites to find the best prices.
Volvos span a wide range of groups (from 18 to 44) depending on the model, engine and specifications.
Volvos have a reputation for safety, with high crash test scores and standard safety features. Volvo’s independent crash lab informs the cars’ design.
Volvos are generally reliable and well engineered, but for premium models, maintenance costs are often higher than average mass-market cars.
Yes, Volvo offers plug-in hybrid and all-electric models, including the XC40 Recharge and the C40 Recharge. The brand plans to make more electric models.
The V40 hatchback, S60 saloon and XC40 SUV in lower trims are the most affordable options for Volvo buyers.
Increasing excess, limiting mileage, adding experienced drivers, improving security and shopping on comparison sites can help you cut Volvo insurance costs.
