Volvo S60 Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Jun 3, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
Are you searching for cheap Volvo S60 car insurance? The average Volvo S60 insurance rates are $131 per month or $1,580 a year. However, many factors impact your Volvo insurance costs, like your age and driving record.
Even the age of your model can affect your insurance premiums. For example, the 2004 Volvo S60 insurance costs will be much lower than the 2013 Volvo S60 insurance costs.
Read our guide to learn what drivers can do to save on the cost of insuring a Volvo S60 and secure cheap car insurance.
Ready to start shopping around for Volvo S60 insurance rates? Enter your five-digit ZIP code in our FREE quote comparison tool to get started.
Estimated auto insurance rates for a Volvo S60 are $1,286 annually with full coverage. Comprehensive costs on average $242, collision costs $426, and liability insurance is estimated at $460. Liability-only insurance costs approximately $510 a year, with high-risk driver insurance costing around $2,790. Teens pay the most at $4,956 a year or more.
Average premium for full coverage: $1,286
Premium estimates by type of coverage:
Estimates include $500 deductible amounts, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all U.S. states and for different S60 trim levels.
Insurance Price Range by Risk and Coverage
Using a middle-aged driver as an example, insurance rates for a Volvo S60 go from as cheap as $510 for liability-only coverage to a much higher rate of $2,790 for coverage for higher-risk drivers.
Insurance Price Range by Location
Living in a larger city has a significant impact on auto insurance rates. Rural areas are statistically proven to have fewer collision claims than cities with more traffic congestion.
The price range example below illustrates how where you live affects car insurance rates.
These rate differences demonstrate why anyone shopping for car insurance should get quotes based on a specific location and their own personal driving habits, 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.
Additional Charts and Tables
The chart below details estimated Volvo S60 insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $749
- Choosing higher $1,000 deductibles can save around $152 annually
- The estimated rate for a 40-year-old good driver with $500 deductibles is $1,286
- Selecting more expensive low deductibles for comp and collision coverage will cost $1,582
- High-risk insureds with serious driving violations could pay upwards of $2,790 or more
- An auto insurance policy with full coverage for a teen driver with full coverage may cost $4,956 each year
Insurance prices for a Volvo S60 also have a wide range based on the model of your S60, your driving record, and policy deductibles and limits.
An older driver with no violations or accidents and high physical damage deductibles could pay as little as $1,200 annually on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they should be prepared to pay upwards of $4,900 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you may be forking out at a minimum $1,500 to $2,100 additional annually, depending on your age. High-risk driver insurance ranges anywhere from 42% to 130% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles can save as much as $450 each year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $414 more each year. View Rates by Deductible or Liability Limit
Where you choose to live plays a big part in determining prices for Volvo S60 insurance rates. A good driver about age 40 could pay as low as $930 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,740 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,164 | -$122 | -9.5% |
| Alaska | $986 | -$300 | -23.3% |
| Arizona | $1,068 | -$218 | -17.0% |
| Arkansas | $1,286 | -$0 | 0.0% |
| California | $1,466 | $180 | 14.0% |
| Colorado | $1,230 | -$56 | -4.4% |
| Connecticut | $1,322 | $36 | 2.8% |
| Delaware | $1,456 | $170 | 13.2% |
| Florida | $1,608 | $322 | 25.0% |
| Georgia | $1,188 | -$98 | -7.6% |
| Hawaii | $924 | -$362 | -28.1% |
| Idaho | $870 | -$416 | -32.3% |
| Illinois | $958 | -$328 | -25.5% |
| Indiana | $968 | -$318 | -24.7% |
| Iowa | $868 | -$418 | -32.5% |
| Kansas | $1,222 | -$64 | -5.0% |
| Kentucky | $1,756 | $470 | 36.5% |
| Louisiana | $1,904 | $618 | 48.1% |
| Maine | $794 | -$492 | -38.3% |
| Maryland | $1,062 | -$224 | -17.4% |
| Massachusetts | $1,030 | -$256 | -19.9% |
| Michigan | $2,234 | $948 | 73.7% |
| Minnesota | $1,076 | -$210 | -16.3% |
| Mississippi | $1,540 | $254 | 19.8% |
| Missouri | $1,140 | -$146 | -11.4% |
| Montana | $1,382 | $96 | 7.5% |
| Nebraska | $1,014 | -$272 | -21.2% |
| Nevada | $1,544 | $258 | 20.1% |
| New Hampshire | $928 | -$358 | -27.8% |
| New Jersey | $1,438 | $152 | 11.8% |
| New Mexico | $1,140 | -$146 | -11.4% |
| New York | $1,354 | $68 | 5.3% |
| North Carolina | $742 | -$544 | -42.3% |
| North Dakota | $1,052 | -$234 | -18.2% |
| Ohio | $888 | -$398 | -30.9% |
| Oklahoma | $1,322 | $36 | 2.8% |
| Oregon | $1,178 | -$108 | -8.4% |
| Pennsylvania | $1,226 | -$60 | -4.7% |
| Rhode Island | $1,716 | $430 | 33.4% |
| South Carolina | $1,164 | -$122 | -9.5% |
| South Dakota | $1,086 | -$200 | -15.6% |
| Tennessee | $1,128 | -$158 | -12.3% |
| Texas | $1,552 | $266 | 20.7% |
| Utah | $952 | -$334 | -26.0% |
| Vermont | $882 | -$404 | -31.4% |
| Virginia | $770 | -$516 | -40.1% |
| Washington | $996 | -$290 | -22.6% |
| West Virginia | $1,178 | -$108 | -8.4% |
| Wisconsin | $892 | -$394 | -30.6% |
| Wyoming | $1,148 | -$138 | -10.7% |
With such a large range in prices, the best way to find out exactly what you will pay is to compare prices from as many companies as possible. Each auto insurer calculates prices differently, and prices will be substantially different between companies.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Volvo S60 | $332 | $656 | $398 | $1,544 |
| 2023 Volvo S60 | $320 | $640 | $416 | $1,534 |
| 2022 Volvo S60 | $310 | $612 | $430 | $1,510 |
| 2021 Volvo S60 | $292 | $592 | $442 | $1,484 |
| 2020 Volvo S60 | $282 | $548 | $452 | $1,440 |
| 2019 Volvo S60 | $270 | $516 | $456 | $1,400 |
| 2018 Volvo S60 | $258 | $464 | $460 | $1,340 |
| 2017 Volvo S60 | $242 | $426 | $460 | $1,286 |
| 2016 Volvo S60 | $234 | $400 | $464 | $1,256 |
| 2012 Volvo S60 | $192 | $288 | $474 | $1,112 |
| 2007 Volvo S60 | $154 | $208 | $446 | $966 |
| 2006 Volvo S60 | $150 | $198 | $442 | $948 |
Rates are averaged for all Volvo S60 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Buy Low Cost Volvo S60 Insurance
Finding better rates on Volvo S60 insurance takes having a good driving record, having good credit, being claim-free, and insuring your home and auto with the same company. Take the time to comparison shop at least once a year by requesting rates from direct companies, and also from local independent and exclusive agents.
The next list is a review of the primary concepts that were touched on in the above illustrations.
- You may be able to save as much as $150 per year simply by shopping early and online
- High-risk drivers who have several accidents or serious violations pay an average of $1,500 more each year to buy Volvo S60 insurance
- Increasing policy deductibles could save up to $450 each year
- Drivers age 20 and younger pay higher prices, possibly costing $413 per month if they have full coverage
So, is insurance on a Volvo expensive? As you’ve learned from the information above, the Volvo S60 average insurance costs depend on many different factors. The slightly older 2012 Volvo S60 insurance costs will be lower than insuring a newer 2020 model.
Ready to start shopping to find the cheapest Volvo S60 rates? Whether you are shopping for Volvo G60 insurance or just Volvo insurance costs, enter your ZIP code in our FREE tool below to get started.
Compare Quotes From Top Companies and SaveFree Car Insurance Comparison
Secured with SHA-256 Encryption
What are the safety ratings of the Volvo S60?
Good Volvo S60 safety ratings can help drivers save on car insurance. The Volvo S60 has some good safety features, such as a blind-spot monitor, auto-leveling headlights, lane departure warning, and lane-keeping assist.
The 2020 Volvo S60 also won the Insurance Institute for Highway Safety’s 2020 Top Safety Pick award because of the following crash test ratings:
- Small overlap front (driver-side): Good
- Small overlap front (passenger-side): Good
- Moderate overlap front: Good
- Side: Good
- Roof strength: Good
- Head restraints and seats: Good
The good news is that these perfect safety ratings will help keep your Volvo S60 insurance rates low.
You may be wondering, if the Volvo S60 is so safe, then why are Volvos so expensive to insure? Despite the phenomenal safety ratings, the maintenance costs for this car also impact your insurance rates.
Volvo is a luxury car brand. Luxury vehicles usually cost more to fix and maintain. To make up for those extra expenses, insurance companies often charge higher than average premiums for these types of cars.
The Volvo S60 maintenance costs can rise above $700 annually, which is a little higher than average and may cause your premiums to go up. Many consumers who drive a luxury car also purchase fuller coverage insurance policies to protect their assets, which will also lead to higher premiums.
Volvo S60 Compared Against Other Vehicles in the Same Class
Comparing the Volvo S60 to similar vehicles can help you save money, especially if the Volvo S60 has better insurance loss ratios than other vehicles in its class. Officially, the Insurance Information Institute classifies the Volvo S60 as a midsize luxury car.
Take a look at the list below to see how other midsize luxury cars’ rates compare to the Volvo S60.
Fortunately, the property damage, comprehensive, and personal injury liability insurance losses for the Volvo S60 are better than average at -21 percent, – 24 percent, and -23 percent respectively in comparison to other midsize luxury cars.
You’re now an expert on Volvo S60 insurance rates. To review, why is Volvo insurance so expensive? High insurance premiums have more to do with the driver than the car, maintaining a clean driving record and comparison shopping will always help you secure your cheapest insurance rates.
Now you’re ready to start shopping for cheap Volvo S60 insurance rates, just enter your five-digit ZIP code in our FREE quote comparison tool to get started.
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,956 |
| 20 | $2,972 |
| 30 | $1,330 |
| 40 | $1,286 |
| 50 | $1,178 |
| 60 | $1,154 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,582 |
| $250 | $1,444 |
| $500 | $1,286 |
| $1,000 | $1,134 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,286 |
| 50/100 | $1,378 |
| 100/300 | $1,493 |
| 250/500 | $1,792 |
| 100 CSL | $1,424 |
| 300 CSL | $1,677 |
| 500 CSL | $1,861 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,044 |
| 20 | $4,740 |
| 30 | $2,838 |
| 40 | $2,790 |
| 50 | $2,666 |
| 60 | $2,642 |
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 | $68 |
| Multi-vehicle | $69 |
| Homeowner | $20 |
| 5-yr Accident Free | $90 |
| 5-yr Claim Free | $83 |
| Paid in Full/EFT | $55 |
| Advance Quote | $62 |
| Online Quote | $90 |
| Total Discounts | $537 |
Discounts are estimated and may not be available from every company or in every state.
Compare Rates and Save
Find companies with the cheapest rates in your area
