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VOLVO S40 2009 Car Insurance

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The 2009 Volvo S40 is a Scandinavian compact sedan known for its safety focus, understated elegance, and well-finished cabin. It appeals to drivers seeking a discreet, reliable, and solidly built vehicle in an easy-to-live-with urban size.

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

Between 2022 and 2026, premiums for the 2009 Volvo S40 remain largely stable, ranging from $634 to $690, except for a sharp one-year spike in 2025, when the average premium reached $2414 before dropping back to $638 in 2026. This isolated fluctuation suggests an exceptional factor rather than a lasting 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-to-city differences are significant for the 2009 Volvo S40: Quebec City shows the highest premium ($3974), followed by Laval ($1188), while Sherbrooke has the lowest amount ($362). This variation reflects notable differences in risk or driver profiles by region.

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 by reference year, generally ranging between $634 and $690, except in 2025 when a one-time spike pushed the average to $2414 before returning to $638 in 2026.
Why is the 2025 premium so different from other years?
The $2414 average in 2025 stands out sharply from other years, suggesting an exceptional factor rather than a structural increase, since the premium drops back to $638 in 2026.
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.
Which city offers the lowest insurance cost for a 2009 Volvo S40?
Based on the data provided, Sherbrooke shows the lowest premium ($362), well below Laval ($1188) and Quebec City ($3974).
Why is the premium in Quebec City so much higher than in Sherbrooke?
The gap between Quebec City ($3974) and Sherbrooke ($362) may reflect differences in traffic density, claims frequency, or insured driver profiles in each region.
What factors influence the premium for a 2009 Volvo S40?
The vehicle's age, replacement cost, parts availability, and driver profile are the main elements insurers consider for this model.
How can I get the best premium for my Volvo S40?
Comparing quotes from several insurers based on your city and profile remains the best way to spot price differences, especially given the significant variations shown here.

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: 08/14/2026

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