Volvo S40 2.4I Insurance Rates

Average insurance prices for a Volvo S40 2.4I are $1,420 every 12 months including full coverage. Comprehensive insurance costs on average $326, collision insurance costs $572, and liability coverage costs $364. Liability-only coverage costs as little as $430 a year, and high-risk coverage costs $3,060 or more. Teen drivers receive the highest rates at up to $5,194 a year.

Annual premium for full coverage: $1,420

Rate estimates by type of coverage:

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

Price Range for Insurance for this Volvo S40 Trim Level

These differences highlight why everyone should compare rates based on a specific location and their own driving history, rather than using price averages.

Use the form below to get rates for your location.

Car insurance rates for a Volvo S40 2.4I can also vary considerably based on policy deductibles and limits, your driving characteristics, and the model year of your S40.

Choosing high deductibles could save up to $600 a year, whereas buying more liability protection will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $327 extra every 12 months. View Rates by Deductible or Liability Limit

A more mature driver with no driving violations and higher deductibles may only pay around $1,300 per year on average for full coverage. Rates are highest for teen drivers, since even excellent drivers will be charged upwards of $5,100 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are likely paying at a minimum $1,700 to $2,300 extra per year, depending on your age. Volvo S40 2.4I insurance for high-risk drivers can cost around 44% to 134% more than average. View High Risk Driver Rates

Where you live makes a big difference in Volvo S40 2.4I insurance rates. A 40-year-old driver could pay as low as $1,060 a year in states like , Indiana, and North Carolina, or as much as $1,950 on average in Michigan, Montana, and Louisiana. Rates by state and city are shown later in the article.

With so much variability in rates, the best way to figure out exactly what you will pay is to regularly compare rates and see how they stack up. Every company uses a different rate calculation, so rate quotes can be significantly different.

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The chart above shows average Volvo S40 2.4I insurance rates for various coverage choices and risks. The cheapest rate with discounts is $818. Drivers who choose higher $1,000 deductibles will pay $1,216. The average rate for a 40-year-old male driver using $500 deductibles is $1,420. Selecting more expensive $100 deductibles for collision and other-than-collision coverage can cost as much as $1,816. High risk drivers could be charged as much as $3,060. The rate for full coverage for a teen driver is $5,194.

View Chart as Image