There are a few things that affect your car insurance rates, including the make and model of your vehicle. In general, insurance companies see Volvo drivers as being safer and more responsible than drivers of other brands, and therefore charge lower rates for Volvo cars. However, there are also a few factors that can drive up the cost of insuring a Volvo, such as its high safety rating (which means it's more expensive to repair) and its tendency to be stolen (which raises the cost of comprehensive coverage). Overall, though, you can expect to pay relatively low rates for Volvo car insurance.