Volvo XC60 Insurance Rates
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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...
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UPDATED: May 16, 2024
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U.S. average auto insurance rates for a Volvo XC60 are $1,146 annually for full coverage. Comprehensive costs approximately $240 a year, collision insurance costs $380, and liability is estimated at $390. A policy with just liability insurance costs approximately $438 a year, and coverage for high-risk drivers costs around $2,468. 16-year-old drivers pay the highest rates at up to $4,330 a year.
Average premium for full coverage: $1,146
Price estimates by individual coverage:
Includes $500 deductible amounts, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all states and XC60 trim levels.
Price Range from Low to High
For the average 40-year-old driver, Volvo XC60 insurance prices range from as cheap as $438 for minimum levels of liability insurance to a high of $2,468 for coverage for higher-risk drivers.
Geographic Price Range
Living in a larger city can have significant affects on car insurance rates. Rural locations have fewer accident claims than congested cities. The diagram below illustrates the difference location can make on auto insurance prices.
The ranges above show why it is important to get quotes using their specific location and their own personal driving habits, instead of using 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.
Additional Rate Details
The chart below shows average Volvo XC60 insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $668
- Choosing higher $1,000 deductibles can save $1,004 a year
- The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,146
- Buying low $100 deductibles for comp and collision coverage will cost $1,416
- Unlucky drivers with multiple tickets or accidents could pay around $2,468
- The price with full coverage for a teen driver can cost $4,330 each year
Insurance prices for a Volvo XC60 are also quite variable based on the trim level and model year, your driver profile, and physical damage deductibles and liability limits.
Older drivers with a clean driving record and high physical damage deductibles may pay as little as $1,100 annually on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they can expect to pay in the ballpark of $4,300 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you could be paying anywhere from $1,400 to $1,900 extra each year, depending on your age. A high-risk auto insurance policy ranges as much as 44% to 136% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can save as much as $420 every year, while buying higher liability limits will push prices upward. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $351 more per year. View Rates by Deductible or Liability Limit
The state you live in plays a big part in determining prices for Volvo XC60 insurance prices. A good driver about age 40 could pay as low as $760 a year in states like Iowa, Maine, and Idaho, or at least $1,630 on average in New York, Louisiana, and Michigan.
| 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% |
Insurance Rates by Trim Level and Model Year
| 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.
| 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 the Cheapest Volvo XC60 Insurance
Getting lower rates on car insurance takes having a good driving record, having a good credit history, eliminating unnecessary coverage, and possibly raising deductibles. Make time to compare rates at least once a year by requesting rates from direct carriers like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The next list is a recap of the primary concepts that were touched on in this article.
- Drivers can save around $140 per year just by quoting early and online
- Higher risk drivers that have major violations or accidents pay on average $1,320 more per year to buy Volvo XC60 insurance
- Increasing physical damage deductibles could save up to $400 each year
- Drivers age 20 and younger are expensive to insure, with premiums as much as $361 a month including comprehensive and collision insurance
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,416 |
| $250 | $1,290 |
| $500 | $1,146 |
| $1,000 | $1,004 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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