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VOLVO S40 2008 Car Insurance

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The 2008 Volvo S40 is a Swedish compact luxury sedan known for its high safety standards and clean styling. It appeals to drivers seeking comfort, durability, and a discreet yet refined image in the compact premium segment.

VOLVO S40 2008 CAR INSURANCE RATES OVER THE LAST 5 YEARS.

Premiums for the 2008 Volvo S40 fluctuate significantly between 2021 and 2026, moving from $514 to $583 in 2023, then $616 in 2024, before spiking to $1015 in 2025 and dropping sharply to $236 in 2026. This volatility makes it difficult to identify a stable trend over the available period.

To find the best insurance for your VOLVO S40 2008 vehicle, it is more important than ever to compare the available options.

How much does insurance for your VOLVO S40 2008 cost in Quebec?

Between the two cities provided, Montreal shows a higher average premium ($511) than Drummondville ($236) for the 2008 Volvo S40, a gap that may reflect urban density and traffic volume.

To get the exact cost for your situation, the best approach is to compare offers from several insurers. Using our Clicassure comparison tool, you can easily find the best premium tailored to your needs.

City Average price over the last 12 months
DRUMMONDVILLE $236.26
MONTRÉAL $510.68

Frequently asked questions (FAQ)

How much does insurance cost for a 2008 Volvo S40?
The average premium has varied significantly by year, ranging from $236 in 2026 to $1015 in 2025. Such large swings suggest that driver profile and city play a major role in the calculation.
Is the premium for the 2008 Volvo S40 stable over time?
No. The available data shows strong volatility, rising to $1015 in 2025 before dropping to $236 in 2026, making it hard to identify a clear long-term trend.
Where is the 2008 Volvo S40 cheapest to insure?
Based on the data provided, Drummondville ($236) shows a noticeably lower average premium than Montreal ($511) for this model.
Is auto insurance mandatory in Quebec?
Yes. In Quebec, civil liability coverage of at least $50,000 is mandatory for any road vehicle driven on public roads.
Why might premiums fluctuate for an older vehicle like the S40 2008?
Vehicle age, parts availability, changes in the insured driver profile, and variations in data samples can all explain notable year-to-year differences.
How can I lower my premium for a 2008 Volvo S40?
Comparing quotes from several insurers and checking eligibility for discounts tied to vehicle age or driving record remains the best way to secure a competitive price.

Offers received by our customers on VOLVO S40 2008 cars

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Methodology

To guarantee you the best possible information, the data presented on this page is based on the following rigorous criteria :

  • Analysis period: Our analyses are based solely on insurance submissions collected over the millions of submissions in recent years, thus guaranteeing the relevance of our comparisons.
  • Real-world comparisons: We only use data from insurance submissions that actually resulted in a sale.
  • Proven savings: The results presented only reflect cases where the user has saved money thanks to our comparison tool.
  • Last updated: 07/08/2026