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With your consent, your Volvo will grade your driving and lower your insurance costs

For decades, Volvo’s reputation was built on what happens after the impact: crumple zones, three-point seat belts, and readiness for an inevitable crash. Now the company is taking on the other side of the problem — the moments before danger — and doing so with software rather than bodywork steel. This is where the new onboard app comes in.

What is Safety Coach

This month, Volvo is introducing Safety Coach. It works on the infotainment display and in the Volvo Cars mobile app. The system uses real crash data and the automaker’s own safety research, turning them into advice and prompts for the driver right while driving.

Your car now grades you

Drivers who choose to use this optional app will receive their own Safety Coach score. It can be improved, and prompts will be based on driving behavior: how exactly a person brakes, accelerates, and takes corners. If you are one of those who tries to “cut the apex” on every turn and never misses a “holiday race” at traffic lights, don’t expect a high Safety Coach score.

Safe driving — cheaper insurance

The app is initially launched in Sweden and Norway. It will be available for most Volvo models built after 2020, directly through the infotainment system. Compatible cars include the XC40, EX40, C40 Recharge, S60, V60, XC60, EX60, XC90, V90, and EX90.

Local customers will be able to share their driving data with insurer Volvia to get better rates. Shortly after the launch in Sweden and Norway, the app will arrive in the US and other European countries.

Our research shows that many accidents happen because of surprise. Predictability helps prevent this. If you stay within expected speed limits and avoid sudden maneuvers, it is easier for other road users to understand your intentions, and the risk of collision decreases, says Volvo driver behavior expert Mikael Ljung Aust.

What this means in practice

Safety Coach is more than just an app for saving on insurance. It is an attempt to turn the car into a constant assistant that teaches safer behavior every day. If automakers can prove that such data actually reduce accidents, insurance companies will increasingly offer discounts for careful driving. Over time, such systems could become standard for all new cars, not just premium models.

At the same time, the question of privacy remains: not every driver wants their driving manners analyzed in real time. Success will therefore depend on how transparent the data collection terms are and what real benefits the car owner gets.

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