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 prices for a Volvo S60 Cross Country are $1,370 every 12 months for full coverage. Comprehensive costs approximately $268, collision costs $484, and liability is estimated at $460. A liability-only policy costs approximately $510 a year, with high-risk insurance costing around $2,976. 16-year-old drivers cost the most to insure at $5,224 a year or more.
Average premium for full coverage: $1,370
Policy rates by type of insurance:
Rate estimates include $500 physical damage deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all states and for all S60 Cross Country models.
Price Range Variability
Using a 40-year-old driver as an example, Volvo S60 Cross Country insurance rates go from the cheapest price of $510 for a discount liability-only rate to the much higher price of $2,976 for high-risk insurance.
Urban vs. Rural Price Range
Living in a larger city can make a big difference on car insurance rates. Rural locations are shown to have more infrequent accident claims than congested cities.
The example below illustrates how rural and urban location affects auto insurance prices.
The examples above show why everyone should get quotes using their specific location and their own driving history, instead of making a decision based on rate averages.
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 shows estimated Volvo S60 Cross Country insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $790
- Choosing higher $1,000 deductibles can save $170 a year
- The average price for a good driver age 40 who chooses $500 deductibles is $1,370
- Buying pricier low deductibles for comp and collision coverage increases the price to $1,704
- Higher-risk drivers with multiple tickets or accidents could pay around $2,976 or more
- Policy cost to insure a 16-year-old driver for full coverage can cost $5,224 each year
Car insurance rates for a Volvo S60 Cross Country also range considerably based on liability limits and deductibles, your driver profile, and the model of your S60 Cross Country.
Opting for high physical damage deductibles can save as much as $510 annually, whereas buying more liability protection will push rates upward. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $414 extra every 12 months. View Rates by Deductible or Liability Limit
A more mature driver with no driving violations and higher deductibles may pay as low as $1,300 annually on average, or $108 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will be charged in the ballpark of $5,200 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you could be paying anywhere from $1,600 to $2,300 extra every year, depending on your age. Volvo S60 Cross Country insurance for high-risk drivers ranges from 44% to 130% more than the average rate. View High Risk Driver Rates
Your home state plays a big part in determining prices for Volvo S60 Cross Country insurance prices. A good driver about age 40 could pay as low as $900 a year in states like Iowa, Maine, and Idaho, or at least $1,960 on average in New York, Louisiana, and Michigan.
| 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% |
Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to regularly compare rates from multiple companies. Each auto insurer utilizes a different rate formula, so rate quotes will be varied.
| 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 Shop for the Best Volvo S60 Cross Country Insurance
Finding cheaper rates on insurance for a Volvo S60 Cross Country takes being a safe and courteous driver, maintaining a good credit score, avoid buying unnecessary coverage, and avoiding coverage lapses. Set aside time to shop around every couple of years by getting rate quotes from direct carriers, and also from your local independent and exclusive agents.
Below is a brief recap of the material that was raised in the charts and tables above.
- Insureds who purchase higher levels of liability will pay around $510 each year to raise limits from a 30/60 limit to a 250/500 level
- Teenage drivers pay the highest auto insurance rates, costing up to $435 each month if the policy includes full coverage
- Drivers considered higher risk who tend to receive serious violations may pay on average $1,610 more per year for auto insurance
- Increasing comprehensive and collision deductibles could save as much as $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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