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Volvo S40 insurance group

Compare car insurance costs for your Volvo S40 based on your age and location.

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Volvo S40 models range from insurance groups 15 to 34, so the cost of insurance can vary significantly depending on which model you have.

Volvo S40 insurance groups and cost

In the table below, we show you the insurance group for each Volvo S40 model and also the likely cost at a few different ages.

Model / Version
Group (1-50)
Age 20yrs
Age 30yrs
Age 40yrs
Age 50yrs
Link
Volvo S40 1.6i 5d (1996-2004 Gen)
17
£1,049.13
£693.78
£596.04
£559.18
Volvo S40 1.6i S 5d
17
£1,049.13
£693.78
£596.04
£559.18
Volvo S40 1.6i XS 5d
17
£1,049.13
£693.78
£596.04
£559.18
Volvo S40 1.8i 5d
19
£1,142.45
£594.10
£573.80
£547.25
Volvo S40 1.8i SE 5d
19
£1,142.45
£594.10
£573.80
£547.25
Volvo S40 1.8i XS 5d
19
£1,142.45
£594.10
£573.80
£547.25
Volvo S40 1.9 D 5d
19
£1,142.45
£594.10
£573.80
£547.25
Volvo S40 1.9 TD 5d
19
£1,142.45
£594.10
£573.80
£547.25
Volvo S40 1.9D (102bhp) S 5d
23
£1,416.79
£809.39
£703.65
£656.36
Volvo S40 1.9D (115bhp) S 5d
23
£1,416.79
£809.39
£703.65
£656.36
Volvo S40 2.0i SE 5d
25
£1,380.34
£861.31
£730.90
£648.06
Volvo S40 2.0i Sport 5d
25
£1,380.34
£861.31
£730.90
£648.06
Volvo S40 2.0 T4 Sport 5d
32
£2,980.18
£914.54
£796.14
£767.16
Volvo S40 2.0 T4 SE 5d
32
£2,980.18
£914.54
£796.14
£767.16
Volvo S40 1.6 ES 4d (2004-2012 Gen)
15
£1,425.58
£756.46
£695.57
£676.53
Volvo S40 1.6 DRIVe 109bhp ES 4d
18
£1,395.77
£661.75
£611.82
£613.29
Volvo S40 1.6 D2 115bhp ES 4d
20
£1,140.45
£566.99
£560.23
£534.47
Volvo S40 1.8 S 4d
20
£1,140.45
£566.99
£560.23
£534.47
Volvo S40 1.8 SE Lux 4d
21
£1,072.10
£689.18
£593.39
£527.60
Volvo S40 1.8 R-Design 4d
21
£1,072.10
£689.18
£593.39
£527.60
Volvo S40 2.0 S 4d
22
£1,108.94
£729.30
£624.63
£589.41
Volvo S40 2.0 D R-Design 4d
24
£1,180.48
£772.67
£633.50
£639.42
Volvo S40 2.0 D4 177bhp R-Design 4d
28
£1,051.05
£582.19
£543.93
£540.48
Volvo S40 2.4i SE 4d
26
£1,612.10
£890.06
£755.97
£681.74
Volvo S40 2.4i SE 4d Auto
26
£1,612.10
£890.06
£755.97
£681.74
Volvo S40 2.5 T5 R-Design 4d
31
£3,544.85
£1,019.77
£863.52
£847.78
Volvo S40 2.5 T5 R-Design 4d Geartronic
32
£2,980.18
£914.54
£796.14
£767.16
Volvo S40 D5 R-Design 4d
28
£1,051.05
£582.19
£543.93
£540.48
Volvo S40 D5 R-Design 4d Geartronic
28
£1,051.05
£582.19
£543.93
£540.48
Volvo S40 2.0 ES 4d
22
£1,108.94
£729.30
£624.63
£589.41
Volvo S40 2.0 ES 4d Auto
22
£1,108.94
£729.30
£624.63
£589.41
Volvo S40 2.0 SE Lux 4d
24
£1,180.48
£772.67
£633.50
£639.42
Volvo S40 2.0 SE Lux 4d Auto
24
£1,180.48
£772.67
£633.50
£639.42
Volvo S40 2.0 Powershift 145PS SE 4d
21
£1,072.10
£689.18
£593.39
£527.60
Volvo S40 2.0 D3 150bhp ES 4d
24
£1,180.48
£772.67
£633.50
£639.42
Volvo S40 2.0 D3 150bhp R-Design 4d
25
£1,380.34
£861.31
£730.90
£648.06
Volvo S40 2.0 D3 150bhp R-Design 4d Geartronic
25
£1,380.34
£861.31
£730.90
£648.06
Volvo S40 2.0 D4 177bhp R-Design 4d
28
£1,051.05
£582.19
£543.93
£540.48
Volvo S40 2.0 D4 177bhp R-Design 4d Geartronic
28
£1,051.05
£582.19
£543.93
£540.48
Volvo S40 2.5 T5 Sport 4d
34
£1,549.25
£891.08
£756.41
£696.03
Volvo S40 2.5 T5 SE Lux 4d
34
£1,549.25
£891.08
£756.41
£696.03

Average Volvo S40 insurance cost

To provide you with an idea of how much it may cost you to insure your Volvo S40, we ran several quotes to find an average figure. Based on our results, on average, you could insure your Volvo S40 with a comprehensive policy for £851.77 yearly, or £75.94 paying monthly.

Volvo S40 insurance cost by location

The table above shows the average cost of Volvo S40 insurance based on insurance groups and driver age. However, there are a number of other factors that affect the cost of your car insurance premiums, and one of the biggest is where you are in the UK. Where you live helps determine the level of risk that your car may be stolen or that you'll be involved in an accident, and this affects the cost of insurance.

To show the power of the postcode, here are some average quotes for a 30-year-old living in 3 different locations. The quotes are for a Volvo S40 1.6i 5d (1996-2004 Gen).

  • Expensive: £793.56 (London E10)
  • Mid-range: £693.78 (Chester CH1)
  • Cheap: £470.21 (Newquay TR8)

What factors affect my Volvo S40 insurance rate?

We've covered insurance groups, age and location. Here are some of the other factors that affect your insurance premium costs:

How can I save on my Volvo S40 premiums?

When searching for insurance, you'll want to find the best deal for a price that's within your budget. We've uncovered some tricks you can try to lower the cost of your premium, and we've listed them below.

  • Limit your car usage (where possible). Occasionally deciding to walk or get public transport, rather than using your car, can help to save on your premiums.
  • Pay annually rather than monthly. Whilst it might be scary to part with a large sum of money in one go, if you're able to pay annually you can save an average of £59.52 a year.
  • Install extra safety precautions. The safer your car is, the less of a risk it will be for companies to insure. By adding extra safety measures, you're quite likely to lower your premium.
  • Clear out the garage! If you have a garage – clear it out and park your car there. Parking your car in a garage reduces your risk to insurers and therefore reduces your premiums too.
  • Consider any named drivers. Only name drivers on the insurance policy that regularly drive the vehicle, you can easily add on others at a later date or get them temporary cover.
  • Don't just accept your renewal quote. When it's time for renewal, it's worth investing a couple of hours to shop around: there may be cheaper options out there.

Bottom line

As we've shown, factors like where you live, how old you are, whether you want to pay monthly or annually, and the specific variant of Volvo S40 you're insuring all have a major impact on the cost of cover. In fact, the best prices we found ranged from £386.13 to £5,297.26, and that's based on shopping around to find a competitive deal. Unfortunately, if you don't shop around, there's every chance you could end up paying more than you have to.

Frequently asked questions

*Based on data provided by Consumer Intelligence Ltd, www.consumerintelligence.com (July ’25). 51% of Confused.com car insurance customers could save £483.15.
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Danny is a publisher at Finder specialising in insurance and investing. He previously worked at the global insurer Aon and has appeared in national media giving advice on insurance. Danny holds a BA in International Business from the University of Plymouth and has undying loyalty to his average-poor football team, Portsmouth FC. See full bio

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Jason is a writer and editor. He worked as a senior subeditor for Finder for 5 years and in that time became familiar with a wide range of financial products and services. Before that, he worked for Australian Associated Press. He has a BA from Macquarie University in Australia. Jason loves to help other people find new ways to save money. See full bio

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