Volvo
EX40 Insurance Cost 2026
Only one publisher prints an average for the Volvo EX40 so far, and we don't show single-source figures. For context, Insurify's national average for an EV is $3,159 a year (a median of real quotes with $1,000 deductibles, updated September 25, 2026).
Why there's no Volvo EX40 figure yet
QuinStreet (CarInsurance.com, as the XC40 Recharge) is the only publisher we check that prints an average for the Volvo EX40. We show a model's insurance cost only when two insurer-data publishers measure the same thing (40-year-old driver, 100/300/100 liability, $500 deductibles) and agree within 1.5 times, and we never borrow another model's figure.
How your state changes the price
In CarInsurance.com's state table (a benchmark sedan, not an EV; updated July 21, 2026), average full-coverage premiums run from 36% below the national average in Vermont to 55% above it in Louisiana. We don't turn those into Volvo EX40 dollar amounts without a published range to scale. The full 50-state table is on the EV insurance hub.
Cheapest states (benchmark sedan)
Most expensive states
More EV insurance pages
Other models' insurance pages, including a same-brand sibling where there is one:
Head-to-head comparisons
Cross-shopping? These put the Volvo EX40 side by side with a rival on range, price and specs:
Estimate your own Volvo EX40 premium
There's no single published figure for the Volvo EX40 to start from, so our estimator uses the national EV average ($3,281, MoneyGeek, same basis) and says so. Treat the result as a rough guide, then compare real quotes.
Use the estimator →Frequently asked questions
How much does Volvo EX40 insurance cost?
Only one publisher prints an average for the Volvo EX40 so far, and we don't show single-source figures. QuinStreet (CarInsurance.com, as the XC40 Recharge) is the only publisher we check that prints an average for the Volvo EX40. For context, Insurify's national average for an EV is $3,159 a year (a median of real quotes with $1,000 deductibles, updated September 25, 2026).
How much is Volvo EX40 insurance in my state?
In CarInsurance.com's state table (a benchmark sedan, not an EV; updated July 21, 2026), average full-coverage premiums run from 36% below the national average in Vermont to 55% above it in Louisiana. Without a published range for the Volvo EX40 there is no figure to scale, so we don't estimate state dollar amounts for it.
How can I lower my Volvo EX40 insurance?
Compare quotes from several insurers first: published averages for the same car differ between publishers, and individual insurers differ more. Then ask about a home-and-auto bundle and any EV discount, price a higher deductible you could actually pay after a claim, and ask whether a telematics program would lower your rate.