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VOLVO S40 2009 Car Insurance

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The 2009 Volvo S40 is a Scandinavian compact sedan built around safety, understated styling, and a well-finished cabin. It appeals to drivers seeking a discreet, reliable, well-built vehicle in a compact format suited to daily urban use.

VOLVO S40 2009 CAR INSURANCE RATES OVER THE LAST 5 YEARS.

Between 2022 and 2026, premiums for the 2009 Volvo S40 fluctuate significantly: from $658 in 2022 to $690 in 2023, down to $634 in 2024, spiking to $2414 in 2025, then back to $795 in 2026. This volatility suggests occasional variation rather than a stable trend.

To find the best insurance for your VOLVO S40 2009 vehicle, it is more important than ever to compare the available options.

How much does insurance for your VOLVO S40 2009 cost in Quebec?

City differences are pronounced for the 2009 Volvo S40: Quebec City shows the highest premium at $3974, followed by Laval at $1188, while Sherbrooke stands out with a notably lower amount of $362.

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
LAVAL $1187.87
QUÉBEC $3974.14
SHERBROOKE $362.2

Frequently asked questions (FAQ)

How much does insurance cost for a 2009 Volvo S40?
The average premium varies considerably depending on the year, ranging from $634 in 2024 to $2414 in 2025, with a more recent value of $795 in 2026.
Why did the premium for the 2009 Volvo S40 change so much between 2024 and 2025?
The premium jumped from $634 to $2414 in a single year, a significant shift that may reflect changes in risk profile, claims frequency, or data availability for this model.
Which city offers the lowest insurance cost for a 2009 Volvo S40?
Based on the data provided, Sherbrooke shows the lowest premium at $362, compared to $1188 in Laval and $3974 in Quebec City.
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 is the premium in Quebec City much higher than in Sherbrooke?
The gap between $3974 in Quebec City and $362 in Sherbrooke may reflect differences in claim frequency, insured driver profiles, or limited data availability for this older model.
Does a 2009 vehicle cost more to insure than a newer model?
Not necessarily. The vehicle's age can lower its replacement value, but other factors like parts availability and claims history also affect the premium.
How can I compare insurance prices for a 2009 Volvo S40?
It's recommended to get several quotes from different insurers, since the city-level differences show that prices can vary considerably for the same vehicle.

Offers received by our customers on VOLVO S40 2009 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: 07/13/2026