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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Average insurance rates for a Volvo XC60 are $1,198 a year including full coverage. Comprehensive insurance costs on average $250 a year, collision costs $424, and liability costs around $388. A liability-only policy costs as low as $434 a year, with high-risk insurance costing $2,584 or more. Teen drivers receive the highest rates at $4,498 a year or more.

Average premium for full coverage: $1,198

Rate estimates by individual coverage type:

Comprehensive $250
Collision $424
Liability $388

These estimates include $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and XC60 trim levels.

Price Range by Coverage and Risk

Using a 40-year-old driver as an example, prices range go from as low as $434 for basic liability insurance to a high of $2,584 for a driver who requires high-risk insurance.

Liability Only $434
Full Coverage $1,198
High Risk $2,584

Price Range by Location

Where you live can make a big difference on car insurance rates. Rural areas tend to have a lower frequency of comprehensive and collision claims than larger metro areas.

The diagram below illustrates how rural and urban location affects car insurance rates.

Rural Areas $899
Small Cities $1,258
Large Cities $1,617

These examples highlight why it is important to compare prices based on a specific location and risk profile, instead of making a decision based 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.

Rate Comparisons

The chart below breaks down estimated Volvo XC60 insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $694
  • Using higher $1,000 deductibles will save around $1,044 every year
  • The average rate for a 40-year-old driver with $500 deductibles is $1,198
  • Choosing low $100 deductibles for physical damage coverage will cost an extra $294 annually
  • High-risk insureds with multiple violations and an at-fault accident could pay upwards of $2,584 or more
  • The cost for full coverage for a 16-year-old driver may cost $4,498 or more

View Chart as Image

Volvo XC60 insurance cost comparison chart
Column chart showing full coverage Volvo XC60 insurance prices range from $694 to $4,498

Insurance rates for a Volvo XC60 can also vary considerably based on your driver profile, the model of your XC60, and policy deductibles and limits.

Older drivers with a clean driving record and high deductibles may pay as low as $1,100 a year for full coverage. Rates are highest for teen drivers, where even good drivers can expect to pay upwards of $4,400 a year. View Rates by Age

Where you live has a huge impact on Volvo XC60 insurance prices. A driver around age 40 might see rates as low as $920 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,710 on average in Michigan, New York, and Louisiana.

Volvo XC60 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,080 -$118 -9.8%
Alaska $916 -$282 -23.5%
Arizona $994 -$204 -17.0%
Arkansas $1,198 -$0 0.0%
California $1,362 $164 13.7%
Colorado $1,140 -$58 -4.8%
Connecticut $1,226 $28 2.3%
Delaware $1,350 $152 12.7%
Florida $1,492 $294 24.5%
Georgia $1,104 -$94 -7.8%
Hawaii $860 -$338 -28.2%
Idaho $810 -$388 -32.4%
Illinois $890 -$308 -25.7%
Indiana $902 -$296 -24.7%
Iowa $806 -$392 -32.7%
Kansas $1,134 -$64 -5.3%
Kentucky $1,630 $432 36.1%
Louisiana $1,770 $572 47.7%
Maine $738 -$460 -38.4%
Maryland $988 -$210 -17.5%
Massachusetts $954 -$244 -20.4%
Michigan $2,076 $878 73.3%
Minnesota $1,000 -$198 -16.5%
Mississippi $1,430 $232 19.4%
Missouri $1,062 -$136 -11.4%
Montana $1,282 $84 7.0%
Nebraska $942 -$256 -21.4%
Nevada $1,434 $236 19.7%
New Hampshire $864 -$334 -27.9%
New Jersey $1,334 $136 11.4%
New Mexico $1,054 -$144 -12.0%
New York $1,258 $60 5.0%
North Carolina $688 -$510 -42.6%
North Dakota $978 -$220 -18.4%
Ohio $824 -$374 -31.2%
Oklahoma $1,226 $28 2.3%
Oregon $1,094 -$104 -8.7%
Pennsylvania $1,140 -$58 -4.8%
Rhode Island $1,592 $394 32.9%
South Carolina $1,084 -$114 -9.5%
South Dakota $1,008 -$190 -15.9%
Tennessee $1,044 -$154 -12.9%
Texas $1,440 $242 20.2%
Utah $884 -$314 -26.2%
Vermont $816 -$382 -31.9%
Virginia $716 -$482 -40.2%
Washington $920 -$278 -23.2%
West Virginia $1,096 -$102 -8.5%
Wisconsin $824 -$374 -31.2%
Wyoming $1,062 -$136 -11.4%

View Chart as Image

Volvo XC60 insurance rates by U.S. city

Choosing high deductibles could cut rates by as much as $450 annually, while buying higher liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will cost as much as $349 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying at a minimum $1,400 to $2,000 extra per year, depending on your age. A high-risk auto insurance policy can be from 44% to 130% more than average. View High Risk Driver Rates

With so much variability in rates, the best way to figure out exactly what you will pay is to get quotes from multiple companies. Each insurance company uses a different rate calculation, so the rates can be significantly different from one company to the next.

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 $1,130 $94
Volvo XC60 3.2 AWD $1,164 $97
Volvo XC60 T6 AWD AWD $1,230 $103
Volvo XC60 T6-R AWD AWD $1,264 $105

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 $336 $562 $316 $1,350
2023 Volvo XC60 $320 $542 $332 $1,330
2022 Volvo XC60 $306 $536 $338 $1,316
2021 Volvo XC60 $296 $524 $354 $1,310
2020 Volvo XC60 $286 $502 $364 $1,288
2019 Volvo XC60 $270 $484 $376 $1,266
2018 Volvo XC60 $260 $450 $384 $1,230
2017 Volvo XC60 $250 $424 $388 $1,198
2016 Volvo XC60 $240 $380 $390 $1,146

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 Cheap Volvo XC60 Insurance

Saving money on insurance for a Volvo XC60 requires being a low-risk driver, maintaining good credit, not filing small claims, and bundling your home and auto policies. Set aside time to shop around at every other renewal by getting price quotes from direct car insurance companies like GEICO and Progressive, and also from local exclusive and independent agents.

The items below are a brief summary of the concepts that were raised in the charts and tables above.

  • Drivers considered higher risk that tend to have accidents or serious violations may pay on average $1,390 more each year to insure their XC60
  • Teen drivers pay the highest rates, as much as $375 per month for full coverage
  • You may be able to save as much as $140 per year simply by quoting early and online
  • Increasing deductibles can save around $450 each year
  • You may be able to save as much as $140 per year simply by quoting early and online

Rates by Driver Age

Volvo XC60 Insurance Rates by Driver Age
Driver Age Premium
16 $4,498
20 $2,748
30 $1,242
40 $1,198
50 $1,094
60 $1,074

Full coverage, $500 deductibles

Rates by Deductible

Volvo XC60 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,492
$250 $1,354
$500 $1,198
$1,000 $1,044

Full coverage, driver age 40

Rates by Liability Limit

Volvo XC60 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,198
50/100 $1,342
100/300 $1,439
250/500 $1,691
100 CSL $1,380
300 CSL $1,594
500 CSL $1,749

Full coverage, driver age 40

Rates for High Risk Drivers

Volvo XC60 Insurance Rates for High Risk Drivers
Age Premium
16 $6,410
20 $4,376
30 $2,634
40 $2,584
50 $2,464
60 $2,442

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 $166

Potential Rate Discounts

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

Discount Savings
Multi-policy $64
Multi-vehicle $63
Homeowner $18
5-yr Accident Free $86
5-yr Claim Free $77
Paid in Full/EFT $53
Advance Quote $58
Online Quote $85
Total Discounts $504
Rate after discounts $694

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

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