Volvo XC60 Insurance Rates

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UPDATED: May 16, 2024

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The average auto insurance rates for a Volvo XC60 are $1,146 annually for full coverage insurance. Comprehensive insurance costs around $240 a year, collision costs $380, and liability insurance is estimated at $390. Liability-only insurance costs approximately $438 a year, with high-risk driver insurance costing $2,468 or more. Teen drivers cost the most to insure at $4,330 a year or more.

Average premium for full coverage: $1,146

Policy rates for type of insurance:

Comprehensive $240
Collision $380
Liability $390

Price estimates include $500 deductibles, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 states and XC60 trim levels.

Price Range Variability

For a driver around age 40, Volvo XC60 insurance rates go from as cheap as $438 for liability-only coverage to a high of $2,468 for a driver that may need high-risk insurance.

Liability Only $438
Full Coverage $1,146
High Risk $2,468

Urban vs. Rural Price Range

Living in a larger city has a significant impact on car insurance rates. Areas with sparse population are shown to have fewer physical damage claims than larger metro areas.

The diagram below illustrates the difference between rural and urban areas on auto insurance rates.

Rural Areas $860
Small Cities $1,203
Large Cities $1,547

The examples above illustrate why it is important to get quotes for a specific zip code and their own personal driving habits, rather than relying on price 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.

Additional Charts and Tables

The chart below illustrates estimated Volvo XC60 insurance rates for additional coverage choices and driver risks.

  • The lowest rate with discounts is $668
  • Choosing higher $1,000 deductibles can save about $1,004 each year
  • The estimated rate for a good driver age 40 using $500 deductibles is $1,146
  • Choosing low $100 deductibles for comp and collision coverage costs an additional $270 a year
  • High-risk insureds with multiple violations and an at-fault accident could pay at least $2,468 or more
  • Policy cost with full coverage for a teen driver can be $4,330 each year

View Chart as Image

Volvo XC60 insurance cost comparison chart
Column chart showing full coverage Volvo XC60 insurance prices range from $668 to $4,330

Auto insurance rates for a Volvo XC60 also range considerably based on the model year and trim level, your risk profile, and deductibles and policy limits.

Older drivers with a good driving record and high physical damage deductibles could pay as little as $1,100 annually on average, or $92 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will have to pay as much as $4,300 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are probably paying at least $1,400 to $1,900 in extra premium every year, depending on your age. A high-risk auto insurance policy ranges anywhere from 44% to 136% more than average. View High Risk Driver Rates

Choosing high deductibles can save as much as $420 each year, while buying higher liability limits will increase rates. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $351 extra every year. View Rates by Deductible or Liability Limit

Your home state plays a big part in determining prices for Volvo XC60 insurance rates. A good driver about age 40 could pay as low as $750 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,550 on average in Michigan, New York, and Florida.

Volvo XC60 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,036 -$110 -9.6%
Alaska $878 -$268 -23.4%
Arizona $948 -$198 -17.3%
Arkansas $1,146 -$0 0.0%
California $1,304 $158 13.8%
Colorado $1,092 -$54 -4.7%
Connecticut $1,176 $30 2.6%
Delaware $1,294 $148 12.9%
Florida $1,428 $282 24.6%
Georgia $1,058 -$88 -7.7%
Hawaii $822 -$324 -28.3%
Idaho $776 -$370 -32.3%
Illinois $852 -$294 -25.7%
Indiana $862 -$284 -24.8%
Iowa $772 -$374 -32.6%
Kansas $1,088 -$58 -5.1%
Kentucky $1,562 $416 36.3%
Louisiana $1,694 $548 47.8%
Maine $708 -$438 -38.2%
Maryland $946 -$200 -17.5%
Massachusetts $914 -$232 -20.2%
Michigan $1,988 $842 73.5%
Minnesota $960 -$186 -16.2%
Mississippi $1,370 $224 19.5%
Missouri $1,016 -$130 -11.3%
Montana $1,228 $82 7.2%
Nebraska $902 -$244 -21.3%
Nevada $1,372 $226 19.7%
New Hampshire $826 -$320 -27.9%
New Jersey $1,280 $134 11.7%
New Mexico $1,012 -$134 -11.7%
New York $1,206 $60 5.2%
North Carolina $660 -$486 -42.4%
North Dakota $938 -$208 -18.2%
Ohio $790 -$356 -31.1%
Oklahoma $1,176 $30 2.6%
Oregon $1,050 -$96 -8.4%
Pennsylvania $1,090 -$56 -4.9%
Rhode Island $1,526 $380 33.2%
South Carolina $1,038 -$108 -9.4%
South Dakota $966 -$180 -15.7%
Tennessee $1,002 -$144 -12.6%
Texas $1,380 $234 20.4%
Utah $846 -$300 -26.2%
Vermont $784 -$362 -31.6%
Virginia $686 -$460 -40.1%
Washington $884 -$262 -22.9%
West Virginia $1,050 -$96 -8.4%
Wisconsin $790 -$356 -31.1%
Wyoming $1,018 -$128 -11.2%

View Chart as Image

Volvo XC60 insurance rates by U.S. city

Because rates have so much variability, the only way to figure out your exact price is to get quotes from as many companies as possible. Each auto insurer uses a different rate calculation, and quoted rates will be varied between companies.

Insurance Rates by Trim Level and Model Year

Volvo XC60 Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Volvo XC60 3.2 2WD $1,084 $90
Volvo XC60 3.2 AWD $1,114 $93
Volvo XC60 T6 AWD AWD $1,174 $98
Volvo XC60 T6-R AWD AWD $1,206 $101

Rates assume 2017 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

Volvo XC60 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Volvo XC60 $320 $542 $332 $1,330
2023 Volvo XC60 $306 $536 $338 $1,316
2022 Volvo XC60 $296 $524 $354 $1,310
2021 Volvo XC60 $286 $502 $364 $1,288
2020 Volvo XC60 $270 $484 $376 $1,266
2019 Volvo XC60 $260 $450 $384 $1,230
2018 Volvo XC60 $250 $424 $388 $1,198
2017 Volvo XC60 $240 $380 $390 $1,146
2016 Volvo XC60 $224 $350 $390 $1,100

Rates are averaged for all Volvo XC60 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 Cheaper Volvo XC60 Insurance

Finding cheaper rates on Volvo XC60 insurance takes not taking risks behind the wheel, having above-average credit, being claim-free, and maximizing policy discounts. Set aside time to compare rates once a year by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following is a condensed summary of the data that was covered above.

  • It is possible to save up to $140 per year simply by quoting early and online
  • Drivers who may need higher liability limits will pay about $430 annually to raise limits from a 30/60 limit to higher 250/500 limits
  • Teens are expensive to insure, possibly costing $361 each month if full coverage is included
  • High-risk drivers with multiple at-fault accidents pay on average $1,320 more every year for XC60 insurance

Rates by Driver Age

Volvo XC60 Insurance Rates by Driver Age
Driver Age Premium
16 $4,330
20 $2,620
30 $1,186
40 $1,146
50 $1,046
60 $1,026

Full coverage, $500 deductibles

Rates by Deductible

Volvo XC60 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,416
$250 $1,290
$500 $1,146
$1,000 $1,004

Full coverage, driver age 40

Rates by Liability Limit

Volvo XC60 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,146
50/100 $1,284
100/300 $1,382
250/500 $1,635
100 CSL $1,323
300 CSL $1,538
500 CSL $1,694

Full coverage, driver age 40

Rates for High Risk Drivers

Volvo XC60 Insurance Rates for High Risk Drivers
Age Premium
16 $6,162
20 $4,174
30 $2,516
40 $2,468
50 $2,356
60 $2,332

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 $157

Potential Rate Discounts

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

Discount Savings
Multi-policy $61
Multi-vehicle $60
Homeowner $18
5-yr Accident Free $80
5-yr Claim Free $74
Paid in Full/EFT $49
Advance Quote $55
Online Quote $81
Total Discounts $478
Rate after discounts $668

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

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