Volvo XC60 Insurance Rates

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Jeffrey Johnson

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...

Insurance Lawyer

UPDATED: May 16, 2024

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Estimated insurance rates for a Volvo XC60 are $1,146 a year including full coverage. Comprehensive insurance costs an estimated $240 each year, collision insurance costs $380, and liability insurance costs $390. A policy with only liability insurance costs as little as $438 a year, and a high-risk policy costs $2,468 or more. Teen drivers pay the most at up to $4,330 a year.

Average premium for full coverage: $1,146

Premium estimates broken down by type of coverage:

Comprehensive $240
Collision $380
Liability $390

Rate estimates include $500 physical damage deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all 50 U.S. states and XC60 models.

Insurance Price Range by Risk and Coverage

For an average driver, insurance rates for a Volvo XC60 range from the low end price of $438 for a discount liability-only rate to a high rate of $2,468 for a high-risk insurance policy.

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

Insurance Price Range by Location

Your location has a significant impact on the price of auto insurance. More rural locations are statistically proven to have lower incidents of comprehensive and collision claims than larger metro areas. The graphic below illustrates the effect of geographic area on insurance prices.

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

These rate differences highlight why all drivers should compare rates for a targeted area, 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.

Rates by State, City, and Model

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

  • The lowest rate with discounts is $668
  • Drivers who choose higher $1,000 deductibles will pay approximately $142 every year
  • The estimated price for a 40-year-old good driver who has $500 deductibles is $1,146
  • Choosing low deductibles for comprehensive and collision insurance will cost an additional $270 a year
  • High risk drivers with multiple violations and an at-fault accident could pay up to $2,468
  • An auto insurance policy that insures a teen driver can cost as much as $4,330 a year

View Chart as Image

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

Car insurance prices for a Volvo XC60 also have a wide range based on the trim level and model year, your driving record and age, and liability limits and deductibles.

If you have a few violations or you caused an accident, you are likely paying $1,400 to $1,900 extra annually, depending on your age. Insurance for high-risk drivers can cost anywhere from 44% to 136% more than average. View High Risk Driver Rates

More mature drivers with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,100 per year on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will be charged at least $4,300 a year. View Rates by Age

Where you choose to live makes a big difference in Volvo XC60 insurance rates. A 40-year-old driver could pay as low as $880 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,630 on average in Louisiana, New York, and Michigan.

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

Choosing high deductibles could save up to $420 each year, whereas increasing liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $351 extra every 12 months. View Rates by Deductible or Liability Limit

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 Find the Best Volvo XC60 Insurance

Finding better rates on Volvo XC60 insurance not only requires being a safe and courteous driver, but also having a positive credit history, refrain from filing small claims, and possibly higher deductibles. Shop around at least every other year by requesting quotes from direct car insurance companies, and also from your local car insurance providers.

Below is a brief recap of the car insurance concepts covered in the above illustrations.

  • High-risk drivers who tend to receive serious violations could be charged and average of $1,320 more annually for auto insurance
  • You may be able to save approximately $140 per year just by quoting online in advance
  • Increasing policy deductibles can save approximately $400 each year
  • Drivers who want higher levels of liability will pay about $430 per year to go from 30/60 bodily injury limits to the 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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