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Volvo Car Safety — Assur360 Car Insurance

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Volvo Car Insurance (XC60, XC90, S60, EX30)

Volvo is known for its advanced safety technologies (Pilot Assist, City Safety) that significantly reduce collision claims. Many insurers offer a safety package discount.

EV/PHEV: Recharge versions (XC40 Recharge, EX30) benefit from an eco discount. Check the specific coverage of the high-voltage battery (often $15,000+ to replace).

2026 Volvo Quebec Car Insurance: Price and Comparison

Do you drive a Volvo in Quebec? Whether it’s an XC40, XC60, XC90, an S60, S90, or a 100% electric EX30 / EX90, Assur360 — AMF-certified independent broker and member of the Chamber of Insurance — compares more than 9 insurers to find the best coverage for your vehicle. As one of the safest brands in the world (IIHS Top Safety Pick+), many insurers offer specific discounts of up to 12%. Free quote in 3 minutes, no obligation.

VOLVO CAR INSURANCE 2026

Take advantage of safety discounts for your Volvo

XC40, XC60, XC90, S60, S90, EX30, EX90 — 9+ insurers compared, IIHS discounts and EV offers.

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Why insure your Volvo with Assur360?

Volvo is one of the safest brands in the world — almost all of its recent models earn the IIHS Top Safety Pick+ rating. Many insurers offer specific security discounts, but you have to know how to ask for them. Our Assur360 insurance brokers compare 9+ insurers to maximize your savings.

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IIHS Safety Discount

Volvo = Top Safety Pick+ recurring. We negotiate the 5-12% security discount for you.

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Volvo Electric (EX30, EX90)

EV discounts offered by several insurers. We compare the best electric offers.

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Premium Protection

Replacement cost, agreed value, international coverage, equivalent replacement vehicle.

Popular Volvo models in Quebec

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Volvo XC40 / XC40 Recharge

Best-selling compact SUV. Premium $1,050 – $1,700/year. Excellent value for money.

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Volvo XC60

Midsize SUV. Premium $1,200 – $1,950/year. IIHS Top Safety Pick+ recurring.

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Volvo XC90 / Recharge T8

Large 7-seater SUV. Premium $1,400 – $2,250/year. Recommended new value.

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Volvo S60 / V60

Sport sedan/wagon. Premium $1,100 – $1,800/year. Pilot Assist included.

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Volvo S90

Luxury sedan. Premium $1,300 – $2,100/year. Anti-theft recommended.

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Volvo EX30 / EX90

100% electric. Premium $1,200 – $2,200/year. EV discounts available.

Get your Volvo quote in 3 steps

1

Fill out the online form

Model, year, mileage, postal code, record. 3 minutes flat.

2

Our brokers compare 9+ insurers

Intact, Belair, Economical, Aviva, Promutuel, SSQ, Wawanesa and more.

3

We negotiate the IIHS safety discount

A step that is often forgotten – we always ask for it for your Volvos.

4

Online subscription

Electronic signature, immediate certificate, zero travel.

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Always ask for the IIHS safety discount

Recent Volvos (XC40, XC60, XC90, S60, EX30, EX90) are almost all IIHS Top Safety Pick+. Many insurers automatically give a 5% to 12% discount — but you have to ask for it. Your Assur360 brokers systematically negotiate it.

Average Volvo Insurance Rates in Quebec 2026

Volvo ModelAge 25-45 (good record)Age 20-24Back with dots
2024 Volvo XC40$1,050 – $1,700$1,600 – $2,500$1,850 – $2,850
2024 Volvo XC40 Recharge$1,200 – $1,900$1,800 – $2,700$2,100 – $3,100
2024 Volvo XC60$1,200 – $1,950$1,800 – $2,800$2,100 – $3,200
2024 Volvo XC90$1,400 – $2,250$2,100 – $3,200$2,450 – $3,600
Volvo XC90 Recharge T8$1,550 – $2,500$2,300 – $3,500$2,700 – $4,000
2024 Volvo S60$1,100 – $1,800$1,650 – $2,600$1,950 – $2,950
2024 Volvo S90$1,300 – $2,100$1,950 – $3,000$2,300 – $3,400
2025 Volvo EX30$1,200 – $1,900$1,800 – $2,700$2,100 – $3,100
2025 Volvo EX90$1,600 – $2,550$2,350 – $3,550$2,750 – $4,100

*Indicative rates for 2026. Get your exact price in 3 minutes.

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Volvo and Quebec Flights — What to Do?

Although less targeted than other brands, some recent Volvos (XC90, XC60) are also targeted by thefts. For models over $50,000, insurers may require an approved GPS tracker (Tag, Boomerang, Sherlock). Without this system, the premium can be increased by 15 to 30%. Your Assur360 broker will tell you which solutions are accepted.

Volvo Insurance Anywhere in Quebec

Assur360 insures Volvo owners in Montreal, Quebec City, Laval, Longueuil, Sherbrooke, Gatineau, Trois-Rivières, Saguenay, Thetford Mines, Rimouski and throughout Quebec. Whether you’re in the city or in the region, our 9+ partner insurers offer optimal coverage for your Volvo.

Related articles

Frequently asked questions — Volvo car insurance

How much does Volvo car insurance cost in Quebec in 2026?
A Volvo XC40 ranges from $1,050 to $1,700 per year, a XC60 from $1,200 to $1,950, a XC90 from $1,400 to $2,250, an S60 from $1,100 to $1,800, and an electric EX30 from $1,200 to $1,900. Volvos often benefit from a safety discount due to their IIHS certifications. Get your exact price in 3 minutes.
Why is Volvo considered more economical to insure than other luxury brands?
Volvo is known for its world-leading safety. Almost all of its recent models receive the IIHS Top Safety Pick+ rating, which qualifies for a safety discount of 5% to 12% with many insurers. Additionally, the Pilot Assist system (driving assistance) and standard City Safety automatic braking reduce claims — and therefore premiums.
Is insurance for an electric Volvo EX30 or EX90 more expensive?
Slightly — about 10% to 15% more than an equivalent gasoline model due to the battery. However, since Volvo is one of the first premium brands to go 100% electric, many insurers offer specific EV discounts (5-10%). Our Assur360 brokers compare insurers that treat electric Volvos best.
Which Volvo models offer the best safety/premium ratio?
The XC40 and XC60 are among the most advantageous: IIHS Top Safety Pick+, reasonable value, available parts, and several insurers offer them specific discounts. The S60 sedan is also very competitive. The XC90 and EX90 are more expensive to insure due to their value and premium technology.
Can I insure my Volvo if I have a bad driving record?
Yes. Even with demerit points, recent accidents, or a suspension, your Volvo remains insurable through substandard insurance. Assur360 works with specialized insurers who accept more difficult records. The price is higher, but coverage remains comprehensive — collision, theft, liability.
What discounts can I get for my Volvo?
Common discounts: IIHS Top Safety Pick+ (5-12%), multi-product auto+home (10-15%), loyalty (3-5 years), electric vehicle, low mileage, telematics, approved anti-theft system, experienced driver. Combined, these discounts can reduce your premium by 15% to 30%.
Is new car value coverage offered for a recent Volvo?
Yes, most insurers offer new car value protection for 24 to 36 months after purchasing a new Volvo. For rare or high-end models (XC90 Recharge T8, EX90 first edition), a guaranteed value can be negotiated to ensure a fixed amount in case of total loss.
Is an anti-theft device required for a Volvo in Quebec?
For Volvos valued under $50,000, the OEM Volvo system is generally sufficient. For more expensive models (XC90, EX90, S90), some insurers require a certified GPS tracker or an additional Class 3 system. Your Assur360 broker will confirm the exact requirements based on your model and region.

Why trust Assur360?

✓AMF certified firm
✓ Member of the Insurance Chamber
✓100,000+ submissions processed
✓9+ insurers compared
✓Independent broker
✓100% Quebec service

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