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VOLVO S40 Car Insurance

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The Volvo S40 is a Swedish compact sedan known for clean styling, reinforced safety, and a refined cabin. Positioned in the affordable premium segment, it appeals to drivers seeking understated design, build quality, and everyday reliability.

VOLVO S40 CAR INSURANCE RATES OVER THE LAST 5 YEARS.

From 2021 to 2026, premiums for the Volvo S40 fluctuate significantly, rising from $275 to $671, dipping to $531, climbing again to $818 in 2025, and settling at $704 in 2026. This volatility makes it difficult to identify a clear linear trend.

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

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

Differences among the provided cities are pronounced: Terrebonne shows the highest premium ($3517), followed by Quebec City ($1582), while Drummondville ($236) and Sherbrooke ($339) post the lowest amounts. Montreal ($621) and Laval ($874) fall between these extremes.

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
LAVAL $1187.87
MONTRÉAL $621.39
QUÉBEC $1582.32
SHERBROOKE $339.15
TERREBONNE $3516.99

VOLVO S40 average premium by model year

Average premium paid by our clients for each model year, over the last 5 years. Select a year to see its detailed statistics.

Model year Average premium
VOLVO S40 2011 $1203.48
VOLVO S40 2010 $536.77
VOLVO S40 2009 $838.34
VOLVO S40 2008 $655.13
VOLVO S40 2007 $450.53
VOLVO S40 2006 $501.97
VOLVO S40 2005 $404.56

Frequently asked questions (FAQ)

How much does it cost to insure a Volvo S40?
In 2026, the average premium for a Volvo S40 is $704. This amount has varied significantly over the years, ranging from $275 in 2021 to $818 in 2025.
Is auto insurance mandatory in Quebec?
Yes. In Quebec, minimum civil liability coverage of $50,000 is mandatory for any road vehicle driven on public roads.
Why does the Volvo S40 premium vary so much year to year?
The swings from $275 to $818 seen between 2021 and 2025 likely reflect changes in data volume, insured driver profiles, or repair costs, rather than a stable trend.
Which city has the highest insurance cost for the Volvo S40?
Based on the data provided, Terrebonne shows the highest premium ($3517), followed by Quebec City ($1582), well above the other cities compared.
Where is Volvo S40 insurance most affordable?
Drummondville ($236) and Sherbrooke ($339) post the lowest average premiums among the provided cities for this model.
What factors influence the insurance premium for a Volvo S40?
Vehicle age, parts availability, driver profile, and city of residence all play a role in the variation seen, notably between Terrebonne ($3517) and Drummondville ($236).
How can I get the best premium for a Volvo S40?
Comparing quotes from several insurers remains the most effective method, especially given the significant differences observed between cities for this model.

Offers received by our customers on VOLVO S40 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

Versions covered by this VOLVO S40 page

The premiums above cover every version of the VOLVO S40, so that each average rests on enough quotes. Here are the versions this page includes.

Version Model years
S40 2.4i 4DR 2005 - 2010
S40 4DR 2001 - 2004
S40 SPORT 4DR 2001 - 2004
S40 T5 4DR 2004 - 2011
S40 T5 4DR AWD 2005 - 2011

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