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Compare Volvo car insurance in the UK

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How much does it cost to insure a Volvo?

As a rough guide, comprehensive Volvo car insurance premiums range from £500 to £2,000 annually, depending on model, location and driver details. Basic third-party policies start at around £300. Rates for high-performance models, such as the Polestar Engineered lineup, tend to be higher.

Specific variables that increase Volvo insurance rates include:

  • Engine size: vehicles with larger engines have higher premiums
  • Performance versions: Polestar and R-Design models are typically more expensive to insure than standard editions
  • No-claims discount (NCD): policies without NCDs have higher premiums. Multi-year NCDs provide savings
  • Driver age: drivers under 25 usually pay more, while experienced drivers over 25 pay less
  • Location: urban areas are more expensive than rural spots. Where you park your Volvo also matters
  • Security: discounts are offered for alarms, immobilisers and proper garaging
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What factors determine Volvo insurance cost?

In calculating premiums, insurers mainly examine:

Your driving record

Recent accidents, traffic violations and disqualifications can raise rates substantially. A clean driving history typically lowers costs.

Vehicle use

Policies for Volvo drivers who drive daily often cost more than those covering occasional recreational use. Mileage also impacts premiums.

Vehicle security

Insurers offer discounts for approved alarms, immobilisers, tracking devices and secure garaging, as these measures help to deter theft.

Coverage limits

Lower coverage levels reduce premiums but leave drivers exposed if a major claim occurs. Finding the right balance is key.

Tips for reducing Volvo insurance premiums

Here are some top ways to get cheaper Volvo insurance in the UK:

  • Shop around extensively and compare quotes from multiple insurers
  • Ask about discounts for multi-car policies, low mileage, experienced drivers, advanced driving courses and other factors that can affect the price
  • If you can afford to, increase the voluntary excess charge to £500 or higher to lower premiums
  • Add an experienced second driver, such as a partner or parent, to benefit from their driving record
  • If possible, limit your use of the Volvo to recreational use rather than for daily trips
  • Improve security with an approved alarm and tracking system. And if you have access to one, keep your vehicle in a garage
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Finding the best Volvo insurance

The key steps to finding affordable Volvo cover are shopping around, optimising risk factors and leveraging available discounts. Taking the time to compare specialist Volvo insurers on comparison sites yields the best opportunity for savings.

Volvo car insurance FAQs

Volvos typically span a wide range of groups – from 15 to 35+ –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 design.

Volvos are generally reliable and well engineered. But as 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. And it plans to make more electric models.

The V40 hatchback, S60 saloon and XC40 SUV in lower trims tend to offer 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.

Nick Jones

Editor in Chief

Nick Jones is a highly experienced consumer journalist and editor, who has been writing and producing content for print and online media for over 25 years.

He has worked at some of the UK’s leading publishers including Future Publishing, Highbury Entertainment, and Imagine Publishing, with publications as diverse as Homebuilding & Renovating, TechRadar, and Creative Bloq, writing and editing content for audiences whose interests include history, computing, gaming, films, and science. He’s also produced a number of podcasts in the technology, science, gaming, and true crime genres.

Nick has also enjoyed a highly successful career in content marketing, working in a variety of topics such as health, technology, and finance, with market-leading global companies including Cisco, Pfizer, Santander, and Virgin Media.

Now the Editor-in-Chief of the Independent Advisor, Nick is involved in all aspects of the site’s content, where his expertise in finance, technology, and home products informs every article that’s published on-site. He takes a hands-on approach with our VPN content, penning a number of the articles himself, and verifying that everything we publish in this topic is accurate.

Whatever the area of interest he’s worked in, Nick has always been a consumer champion, helping people find the best deals and give them the information they need to make an informed buying decision.