Volvo XC60 Insurance Rates
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Michelle Robbins
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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 insurance rates for a Volvo XC60 are $1,100 a year for full coverage insurance. Comprehensive insurance costs around $224, collision insurance costs $350, and liability is estimated at $390. Buying just liability costs approximately $438 a year, and insurance for high-risk drivers costs $2,368 or more. Teenage drivers pay the highest rates at up to $4,186 a year.
Average premium for full coverage: $1,100
Price estimates for individual coverage:
Prices are based on $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 states and for all XC60 models.
Price Range from Low to High
For the average driver, Volvo XC60 insurance prices range from the low end price of $438 for liability-only coverage to the much higher price of $2,368 for coverage for higher-risk drivers.
Geographic Price Range
Living in a larger city can make a big difference on car insurance rates. Areas with sparse population have lower incidents of physical damage claims than densely populated cities. The example below illustrates how location impacts auto insurance rates.
The ranges above illustrate why everyone should get quotes for a specific zip code, instead of making a decision based 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.
Additional Charts and Tables
The chart below illustrates average Volvo XC60 insurance rates for additional coverage choices and driver risks.
- The best discount rate is $646
- Choosing higher $1,000 deductibles can save about $132 each year
- The estimated price for the average middle-age driver using $500 deductibles is $1,100
- Using pricier low deductibles for comp and collision coverage will cost an additional $248 annually
- Higher-risk drivers who are prone to accidents and violations could pay at least $2,368
- The price that insures a 16-year-old driver for full coverage can be $4,186 each year
Insurance prices for a Volvo XC60 are also quite variable based on the model of your XC60, your age and driving record, and deductibles and policy limits.
If you have some driving violations or you caused an accident, you are probably paying at least $1,300 to $1,800 additional each year, depending on your age. Volvo XC60 insurance for high-risk drivers ranges from 43% to 132% more than a normal policy. View High Risk Driver Rates
A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,000 annually on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records should be prepared to pay as much as $4,100 a year. View Rates by Age
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 $720 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,480 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $994 | -$106 | -9.6% |
| Alaska | $844 | -$256 | -23.3% |
| Arizona | $912 | -$188 | -17.1% |
| Arkansas | $1,100 | -$0 | 0.0% |
| California | $1,252 | $152 | 13.8% |
| Colorado | $1,050 | -$50 | -4.5% |
| Connecticut | $1,128 | $28 | 2.5% |
| Delaware | $1,240 | $140 | 12.7% |
| Florida | $1,372 | $272 | 24.7% |
| Georgia | $1,016 | -$84 | -7.6% |
| Hawaii | $788 | -$312 | -28.4% |
| Idaho | $744 | -$356 | -32.4% |
| Illinois | $818 | -$282 | -25.6% |
| Indiana | $828 | -$272 | -24.7% |
| Iowa | $740 | -$360 | -32.7% |
| Kansas | $1,044 | -$56 | -5.1% |
| Kentucky | $1,498 | $398 | 36.2% |
| Louisiana | $1,624 | $524 | 47.6% |
| Maine | $680 | -$420 | -38.2% |
| Maryland | $906 | -$194 | -17.6% |
| Massachusetts | $874 | -$226 | -20.5% |
| Michigan | $1,906 | $806 | 73.3% |
| Minnesota | $922 | -$178 | -16.2% |
| Mississippi | $1,316 | $216 | 19.6% |
| Missouri | $976 | -$124 | -11.3% |
| Montana | $1,180 | $80 | 7.3% |
| Nebraska | $866 | -$234 | -21.3% |
| Nevada | $1,316 | $216 | 19.6% |
| New Hampshire | $794 | -$306 | -27.8% |
| New Jersey | $1,228 | $128 | 11.6% |
| New Mexico | $972 | -$128 | -11.6% |
| New York | $1,158 | $58 | 5.3% |
| North Carolina | $632 | -$468 | -42.5% |
| North Dakota | $900 | -$200 | -18.2% |
| Ohio | $756 | -$344 | -31.3% |
| Oklahoma | $1,128 | $28 | 2.5% |
| Oregon | $1,006 | -$94 | -8.5% |
| Pennsylvania | $1,046 | -$54 | -4.9% |
| Rhode Island | $1,466 | $366 | 33.3% |
| South Carolina | $996 | -$104 | -9.5% |
| South Dakota | $926 | -$174 | -15.8% |
| Tennessee | $962 | -$138 | -12.5% |
| Texas | $1,324 | $224 | 20.4% |
| Utah | $814 | -$286 | -26.0% |
| Vermont | $750 | -$350 | -31.8% |
| Virginia | $658 | -$442 | -40.2% |
| Washington | $848 | -$252 | -22.9% |
| West Virginia | $1,006 | -$94 | -8.5% |
| Wisconsin | $758 | -$342 | -31.1% |
| Wyoming | $978 | -$122 | -11.1% |
Using high physical damage deductibles can save as much as $380 annually, whereas buying more liability protection will increase prices. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $351 more each year. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Volvo XC60 3.2 2WD | $1,042 | $87 |
| Volvo XC60 3.2 AWD | $1,070 | $89 |
| Volvo XC60 T6 AWD AWD | $1,126 | $94 |
| Volvo XC60 T6-R AWD AWD | $1,156 | $96 |
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 | $306 | $536 | $338 | $1,316 |
| 2023 Volvo XC60 | $296 | $524 | $354 | $1,310 |
| 2022 Volvo XC60 | $286 | $502 | $364 | $1,288 |
| 2021 Volvo XC60 | $270 | $484 | $376 | $1,266 |
| 2020 Volvo XC60 | $260 | $450 | $384 | $1,230 |
| 2019 Volvo XC60 | $250 | $424 | $388 | $1,198 |
| 2018 Volvo XC60 | $240 | $380 | $390 | $1,146 |
| 2017 Volvo XC60 | $224 | $350 | $390 | $1,100 |
| 2016 Volvo XC60 | $216 | $328 | $394 | $1,074 |
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 Find Affordable Volvo XC60 Insurance
Getting lower rates on insurance for a Volvo XC60 takes avoiding accidents and violations, having a good credit score, not filing small claims, and deciding if full coverage is necessary. Compare prices at least once a year by obtaining price quotes from direct insurance companies, and also from insurance agencies where you live.
The list below is a brief review of the primary concepts that were touched on above.
- It is possible to save up to $130 per year just by quoting online well ahead of the renewal date
- Drivers considered higher risk with DUI or reckless driving convictions could be forced to pay on average $1,270 more every year for car insurance
- Increasing physical damage deductibles can save approximately $375 each year
- Teenagers are charged the highest prices, as much as $349 a month if comprehensive and collision insurance is included
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,186 |
| 20 | $2,516 |
| 30 | $1,138 |
| 40 | $1,100 |
| 50 | $1,006 |
| 60 | $986 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,348 |
| $250 | $1,232 |
| $500 | $1,100 |
| $1,000 | $968 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,100 |
| 50/100 | $1,234 |
| 100/300 | $1,332 |
| 250/500 | $1,585 |
| 100 CSL | $1,273 |
| 300 CSL | $1,488 |
| 500 CSL | $1,644 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,952 |
| 20 | $4,004 |
| 30 | $2,412 |
| 40 | $2,368 |
| 50 | $2,260 |
| 60 | $2,238 |
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 | $58 |
| Multi-vehicle | $58 |
| Homeowner | $17 |
| 5-yr Accident Free | $76 |
| 5-yr Claim Free | $70 |
| Paid in Full/EFT | $46 |
| Advance Quote | $52 |
| Online Quote | $77 |
| Total Discounts | $454 |
Discounts are estimated and may not be available from every company or in every state.
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