Volvo S60 Cross Country Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Apr 18, 2024

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The average insurance rates for a Volvo S60 Cross Country are $1,434 a year including full coverage. Comprehensive insurance costs around $280, collision costs $540, and liability insurance costs around $456. Buying just liability costs as low as $508 a year, with insurance for high-risk drivers costing $3,122 or more. Teens cost the most to insure at $5,438 a year or more.

Average premium for full coverage: $1,434

Policy rates for type of insurance:

Comprehensive $280
Collision $540
Liability $456

These estimates include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for different S60 Cross Country trim levels.

Price Range Variability

For a driver around age 40, Volvo S60 Cross Country insurance rates go from as low as $508 for just liability coverage to a much higher rate of $3,122 for a policy for a high-risk driver.

Liability Only $508
Full Coverage $1,434
High Risk $3,122

Urban vs. Rural Price Range

Where you live has a significant impact on the price of insurance. Areas with sparse population are shown to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion.

The price range example below illustrates the difference between rural and urban areas on auto insurance rates.

Rural Areas $1,076
Small Cities $1,506
Large Cities $1,936

The examples above highlight why anyone shopping for car insurance should compare prices for a specific zip code and risk profile, rather than relying on averaged prices.

Use the form below to get customized rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Detailed Rate Analysis

The chart below breaks down estimated Volvo S60 Cross Country insurance rates for additional coverage choices and driver risks.

  • The cheapest rate after discounts is $819
  • Using higher $1,000 deductibles will save about $186 every year
  • The average rate for a good driver age 40 using $500 deductibles is $1,434
  • Selecting more expensive low deductibles for physical damage coverage will cost an extra $364 a year
  • Drivers with serious driving violations could pay at least $3,122 or more
  • Policy cost for full coverage for a teen driver with full coverage can be $5,438 or more

View Chart as Image

Volvo S60 Cross Country insurance cost comparison chart
Column chart showing full coverage Volvo S60 Cross Country insurance prices range from $819 to $5,438

Insurance rates for a Volvo S60 Cross Country also range considerably based on your risk profile, the model of your S60 Cross Country, and deductibles and policy limits.

An older driver with a clean driving record and high deductibles could pay as little as $1,300 a year, or $108 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay as much as $5,400 a year. View Rates by Age

Your home state has a huge impact on Volvo S60 Cross Country insurance rates. A driver around age 40 might see rates as low as $1,100 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $2,050 on average in Michigan, New York, and Louisiana.

Volvo S60 Cross Country Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,298 -$136 -9.5%
Alaska $1,100 -$334 -23.3%
Arizona $1,190 -$244 -17.0%
Arkansas $1,434 -$0 0.0%
California $1,636 $202 14.1%
Colorado $1,372 -$62 -4.3%
Connecticut $1,476 $42 2.9%
Delaware $1,624 $190 13.2%
Florida $1,796 $362 25.2%
Georgia $1,324 -$110 -7.7%
Hawaii $1,032 -$402 -28.0%
Idaho $970 -$464 -32.4%
Illinois $1,068 -$366 -25.5%
Indiana $1,082 -$352 -24.5%
Iowa $968 -$466 -32.5%
Kansas $1,364 -$70 -4.9%
Kentucky $1,958 $524 36.5%
Louisiana $2,122 $688 48.0%
Maine $886 -$548 -38.2%
Maryland $1,184 -$250 -17.4%
Massachusetts $1,148 -$286 -19.9%
Michigan $2,492 $1,058 73.8%
Minnesota $1,200 -$234 -16.3%
Mississippi $1,720 $286 19.9%
Missouri $1,272 -$162 -11.3%
Montana $1,542 $108 7.5%
Nebraska $1,130 -$304 -21.2%
Nevada $1,720 $286 19.9%
New Hampshire $1,034 -$400 -27.9%
New Jersey $1,602 $168 11.7%
New Mexico $1,270 -$164 -11.4%
New York $1,510 $76 5.3%
North Carolina $828 -$606 -42.3%
North Dakota $1,174 -$260 -18.1%
Ohio $990 -$444 -31.0%
Oklahoma $1,474 $40 2.8%
Oregon $1,314 -$120 -8.4%
Pennsylvania $1,370 -$64 -4.5%
Rhode Island $1,914 $480 33.5%
South Carolina $1,300 -$134 -9.3%
South Dakota $1,210 -$224 -15.6%
Tennessee $1,256 -$178 -12.4%
Texas $1,728 $294 20.5%
Utah $1,064 -$370 -25.8%
Vermont $984 -$450 -31.4%
Virginia $860 -$574 -40.0%
Washington $1,110 -$324 -22.6%
West Virginia $1,314 -$120 -8.4%
Wisconsin $994 -$440 -30.7%
Wyoming $1,280 -$154 -10.7%

View Chart as Image

Volvo S60 Cross Country insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $550 each year, while increasing your policy's liability limits will increase rates. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $411 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying at least $1,700 to $2,400 extra every year, depending on your age. High-risk driver insurance can be anywhere from 44% to 132% more than the average policy. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out your exact price is to compare rates from as many companies as possible. Each insurance company calculates rates differently, so the rates will be varied from one company to the next.

Volvo S60 Cross Country Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2018 Volvo S60 Cross Country $280 $540 $456 $1,434
2017 Volvo S60 Cross Country $268 $484 $460 $1,370

Rates are averaged for all Volvo S60 Cross Country models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Find Cheap Volvo S60 Cross Country Insurance

Finding cheaper rates on Volvo S60 Cross Country insurance requires having a decent driving record, maintaining good credit, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Set aside time to compare rates every year by requesting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following items are a brief summary of the coverage data covered above.

  • You may be able to save up to $170 per year simply by shopping early and online
  • Increasing comprehensive and collision deductibles can save around $550 each year
  • 16 to 18-year-old drivers pay higher rates, with premiums being up to $453 each month for full coverage
  • High-risk drivers that tend to have accidents or serious violations pay on average $1,690 more every year than a driver with a clean driving record

Rates by Driver Age

Volvo S60 Cross Country Insurance Rates by Driver Age
Driver Age Premium
16 $5,438
20 $3,332
30 $1,492
40 $1,434
50 $1,312
60 $1,288

Full coverage, $500 deductibles

Rates by Deductible

Volvo S60 Cross Country Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,798
$250 $1,628
$500 $1,434
$1,000 $1,248

Full coverage, driver age 40

Rates by Liability Limit

Volvo S60 Cross Country Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,434
50/100 $1,525
100/300 $1,639
250/500 $1,936
100 CSL $1,571
300 CSL $1,822
500 CSL $2,004

Full coverage, driver age 40

Rates for High Risk Drivers

Volvo S60 Cross Country Insurance Rates for High Risk Drivers
Age Premium
16 $7,760
20 $5,312
30 $3,184
40 $3,122
50 $2,984
60 $2,958

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $204

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $77
Multi-vehicle $77
Homeowner $22
5-yr Accident Free $106
5-yr Claim Free $94
Paid in Full/EFT $65
Advance Quote $72
Online Quote $102
Total Discounts $615
Rate after discounts $819

Discounts are estimated and may not be available from every company or in every state.

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