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VOLVO XC40 Car Insurance

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The Volvo XC40 is a compact luxury SUV known for its clean Scandinavian design and advanced safety technology. Built for both city driving and family trips, it appeals to buyers seeking a blend of refinement, practicality, and Swedish reliability.

VOLVO XC40 CAR INSURANCE RATES OVER THE LAST 5 YEARS.

From 2021 to 2025, premiums for the Volvo XC40 rise significantly, moving from $1250 to $1911, before easing to $1711 in 2026. This recent decline may reflect a market adjustment or evolving claims data for this model.

To find the best insurance for your VOLVO XC40 vehicle, it is more important than ever to compare the available options.

How much does insurance for your VOLVO XC40 cost in Quebec?

The highest premiums for the XC40 are found in Gatineau ($2836), Repentigny ($2466), and Montreal ($2456), while Brossard ($792), Trois-Rivières ($1096), and Sherbrooke ($1430) post the lowest amounts. The gap between the most expensive and most affordable cities exceeds $2000, showing substantial geographic variation.

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
BROSSARD $792.16
DRUMMONDVILLE $1625.24
GATINEAU $2836.07
LAVAL $2296.00
LÉVIS $1599.09
LONGUEUIL $1895.66
MONTRÉAL $2456.11
QUÉBEC $1653.71
REPENTIGNY $2465.78
Saguenay $2067.73
SAINT-JEAN-SUR-RICHELIEU $2103.16
SAINT-JÉRÔME $1708.89
SHERBROOKE $1429.59
TERREBONNE $1728.52
TROIS-RIVIÈRES $1096.11

Frequently asked questions (FAQ)

How much does insurance cost for a Volvo XC40?
In 2026, the average premium for a Volvo XC40 is $1711, down from $1911 recorded in 2025.
Is auto insurance mandatory in Quebec?
Yes. In Quebec, civil liability coverage of at least $50,000 is mandatory for any vehicle driven on public roads.
Have XC40 premiums increased over the years?
Yes, from 2021 to 2025 the average premium rose from $1250 to $1911, but it dropped to $1711 in 2026, suggesting a possible stabilization in costs.
Which city offers the lowest insurance cost for the XC40?
Based on the data provided, Brossard ($792) and Trois-Rivières ($1096) offer the lowest average premiums for this model.
Why is the premium so high in Gatineau?
Gatineau shows the highest premium among the cities provided, at $2836, which may be explained by regional factors such as claim frequency or traffic density.
What factors influence a Volvo XC40's insurance premium?
The vehicle's classification as a luxury SUV, the cost of its parts and safety technology, and the driver's location all influence the final premium.
How can I get a better premium for an XC40?
Comparing quotes from multiple insurers and evaluating coverage options for your profile can help narrow the gap between the $792 and $2836 seen across different cities.

Offers received by our customers on VOLVO XC40 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