Volvo S60 Cross Country Insurance Rates
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Michelle Robbins
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UPDATED: Apr 18, 2024
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The average insurance rates for a Volvo S60 Cross Country are $1,370 a year with full coverage. Comprehensive costs around $268 each year, collision costs $484, and liability insurance costs $460. A liability-only policy costs as little as $510 a year, with high-risk insurance costing around $2,976. Teenage drivers cost the most to insure at $5,224 a year or more.
Average premium for full coverage: $1,370
Policy rates for type of insurance:
Price estimates include $500 policy deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all U.S. states and S60 Cross Country models.
Price Range Variability
For an average driver, Volvo S60 Cross Country insurance rates go from as low as $510 for a discount liability-only rate to a high rate of $2,976 for high-risk insurance.
Urban vs. Rural Price Range
Your location has a significant impact on insurance rates. Areas with sparse population are shown to have a lower frequency of collision claims than densely populated cities.
The graphic below illustrates the effect of geographic area on auto insurance rates.
The examples above demonstrate why all drivers should compare rates for a specific zip code and risk profile, rather than relying on average rates.
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.
Rates by State, City, and Model
The chart below details estimated Volvo S60 Cross Country insurance rates for additional coverage choices and driver risks.
- The best discount rate is $790
- Drivers who choose higher $1,000 deductibles will pay about $170 annually
- The average rate for a good driver age 40 using $500 deductibles is $1,370
- Using low deductibles for comprehensive and collision insurance will increase the cost to $1,704
- High risk drivers who are prone to accidents and violations could pay at least $2,976 or more
- Policy cost for full coverage for a teen driver can be $5,224 a year
Car insurance rates for a Volvo S60 Cross Country also range considerably based on your risk profile, the trim level and model year, and deductibles and policy limits.
More mature drivers with no driving violations and high deductibles could pay as little as $1,300 per year on average, or $108 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged as much as $5,200 a year. View Rates by Age
Your home state makes a big difference in Volvo S60 Cross Country insurance rates. A 40-year-old driver could pay as low as $990 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,850 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,240 | -$130 | -9.5% |
| Alaska | $1,052 | -$318 | -23.2% |
| Arizona | $1,138 | -$232 | -16.9% |
| Arkansas | $1,370 | -$0 | 0.0% |
| California | $1,562 | $192 | 14.0% |
| Colorado | $1,310 | -$60 | -4.4% |
| Connecticut | $1,410 | $40 | 2.9% |
| Delaware | $1,552 | $182 | 13.3% |
| Florida | $1,716 | $346 | 25.3% |
| Georgia | $1,266 | -$104 | -7.6% |
| Hawaii | $984 | -$386 | -28.2% |
| Idaho | $928 | -$442 | -32.3% |
| Illinois | $1,022 | -$348 | -25.4% |
| Indiana | $1,032 | -$338 | -24.7% |
| Iowa | $926 | -$444 | -32.4% |
| Kansas | $1,302 | -$68 | -5.0% |
| Kentucky | $1,872 | $502 | 36.6% |
| Louisiana | $2,030 | $660 | 48.2% |
| Maine | $846 | -$524 | -38.2% |
| Maryland | $1,132 | -$238 | -17.4% |
| Massachusetts | $1,098 | -$272 | -19.9% |
| Michigan | $2,382 | $1,012 | 73.9% |
| Minnesota | $1,148 | -$222 | -16.2% |
| Mississippi | $1,642 | $272 | 19.9% |
| Missouri | $1,216 | -$154 | -11.2% |
| Montana | $1,472 | $102 | 7.4% |
| Nebraska | $1,082 | -$288 | -21.0% |
| Nevada | $1,646 | $276 | 20.1% |
| New Hampshire | $990 | -$380 | -27.7% |
| New Jersey | $1,534 | $164 | 12.0% |
| New Mexico | $1,216 | -$154 | -11.2% |
| New York | $1,444 | $74 | 5.4% |
| North Carolina | $788 | -$582 | -42.5% |
| North Dakota | $1,122 | -$248 | -18.1% |
| Ohio | $948 | -$422 | -30.8% |
| Oklahoma | $1,410 | $40 | 2.9% |
| Oregon | $1,256 | -$114 | -8.3% |
| Pennsylvania | $1,308 | -$62 | -4.5% |
| Rhode Island | $1,830 | $460 | 33.6% |
| South Carolina | $1,242 | -$128 | -9.3% |
| South Dakota | $1,156 | -$214 | -15.6% |
| Tennessee | $1,200 | -$170 | -12.4% |
| Texas | $1,654 | $284 | 20.7% |
| Utah | $1,014 | -$356 | -26.0% |
| Vermont | $940 | -$430 | -31.4% |
| Virginia | $820 | -$550 | -40.1% |
| Washington | $1,062 | -$308 | -22.5% |
| West Virginia | $1,256 | -$114 | -8.3% |
| Wisconsin | $950 | -$420 | -30.7% |
| Wyoming | $1,222 | -$148 | -10.8% |
Using high physical damage deductibles could save up to $510 each year, whereas increasing liability limits will increase rates. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $414 extra every 12 months. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you may be forking out at least $1,600 to $2,300 extra every year, depending on your age. Insurance for high-risk drivers can cost anywhere from 44% to 130% more than a normal policy. View High Risk Driver Rates
Because rates have so much variability, the best way to find out your exact price is to do a rate comparison from as many companies as possible. Every company uses a different method to calculate rates, so rate quotes will be varied from one company to the next.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2018 Volvo S60 Cross Country | $268 | $484 | $460 | $1,370 |
| 2017 Volvo S60 Cross Country | $250 | $446 | $460 | $1,314 |
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 Cheaper Volvo S60 Cross Country Insurance
Finding cheaper rates on Volvo S60 Cross Country insurance not only requires avoiding accidents and claims, but also having above-average credit, not filing small claims, and qualifying for all possible discounts. Take the time to compare rates every couple of years by obtaining price quotes from direct companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.
The points below are a condensed summary of the material that was covered in the above illustrations.
- Drivers who may need increased liability limits will pay an extra $510 every year to go from a 30/60 limit to 250/500 limits
- Drivers under the age of 20 are the costliest to insure, as much as $435 each month if full coverage is included
- High-risk drivers with multiple at-fault accidents pay an average of $1,610 more every year to insure a Volvo S60 Cross Country
- Increasing comprehensive and collision deductibles can save around $500 each year
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,224 |
| 20 | $3,172 |
| 30 | $1,420 |
| 40 | $1,370 |
| 50 | $1,254 |
| 60 | $1,230 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,704 |
| $250 | $1,548 |
| $500 | $1,370 |
| $1,000 | $1,200 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,370 |
| 50/100 | $1,462 |
| 100/300 | $1,577 |
| 250/500 | $1,876 |
| 100 CSL | $1,508 |
| 300 CSL | $1,761 |
| 500 CSL | $1,945 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,440 |
| 20 | $5,054 |
| 30 | $3,034 |
| 40 | $2,976 |
| 50 | $2,844 |
| 60 | $2,820 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $73 |
| Multi-vehicle | $73 |
| Homeowner | $21 |
| 5-yr Accident Free | $99 |
| 5-yr Claim Free | $89 |
| Paid in Full/EFT | $61 |
| Advance Quote | $67 |
| Online Quote | $97 |
| Total Discounts | $580 |
Discounts are estimated and may not be available from every company or in every state.
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