Volvo XC60 Insurance Rates

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Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: May 16, 2024

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Average insurance prices for a Volvo XC60 are $1,146 every 12 months with full coverage. Comprehensive costs an estimated $240 each year, collision insurance costs $380, and liability costs around $390. A liability-only policy costs as low as $438 a year, and high-risk insurance costs around $2,468. Teens receive the highest rates at up to $4,330 a year.

Average premium for full coverage: $1,146

Rate estimates broken down by individual coverage type:

Comprehensive $240
Collision $380
Liability $390

Full coverage includes $500 deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all U.S. states and XC60 models.

Price Range by Coverage and Risk

For a driver in their 40's, prices range range from the cheapest price of $438 for the bare minimum liability coverage to a high rate of $2,468 for a high-risk insurance policy.

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

Price Range by Location

Where you live can make a big difference on car insurance rates. More rural locations tend to have more infrequent collision claims than cities with more traffic congestion. The graphic below illustrates how location helps determine insurance prices.

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

These examples demonstrate why all drivers should compare prices for a targeted area and their own driving history, instead of making a decision based 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 Rate Information

The chart below details average Volvo XC60 insurance rates for other coverage scenarios.

  • The cheapest rate after discounts is $668
  • Using higher $1,000 deductibles will save approximately $142 annually
  • The average price for a 40-year-old driver who has $500 deductibles is $1,146
  • Selecting low deductibles for physical damage coverage increases the price to $1,416
  • High-risk insureds with serious driving violations could pay up to $2,468
  • The cost to insure a 16-year-old driver can cost as much as $4,330 or more

View Chart as Image

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

Insurance rates for a Volvo XC60 can also vary considerably based on policy deductibles and limits, your driving record, and the model year and trim level.

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $420 annually, whereas increasing liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $351 more per year. View Rates by Deductible or Liability Limit

More mature drivers with a clean driving record and higher deductibles may pay as low as $1,100 a year for full coverage. Rates are much higher for teen drivers, since even excellent drivers can expect to pay at least $4,300 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you may be forking out $1,400 to $1,900 extra per year, depending on your age. Insurance for high-risk drivers can be from 44% to 136% more than the average policy. View High Risk Driver Rates

Where you live has a huge impact on Volvo XC60 insurance prices. A driver around age 40 might see rates as low as $830 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,550 on average in New York, Michigan, 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

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 Shop for More Affordable Volvo XC60 Insurance

Saving money on insurance for a Volvo XC60 requires not taking risks behind the wheel, having good credit, eliminating unnecessary coverage, and deciding if full coverage is necessary. Invest time comparing rates at least every other year by requesting rates from direct companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The following is a summary of the car insurance concepts covered in the charts and tables above.

  • Drivers considered higher risk who have multiple accidents or major violations may pay on average $1,320 more annually for XC60 insurance
  • You may be able to save approximately $140 per year just by quoting online in advance
  • Increasing deductibles could save as much as $400 each year
  • Insureds who want higher liability limits will pay approximately $430 every year to increase from a minimum limit to a 250/500 level

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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