Volvo XC60 Insurance Rates
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UPDATED: May 16, 2024
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Estimated auto insurance rates for a Volvo XC60 are $1,198 annually including full coverage. Comprehensive costs an estimated $250, collision costs $424, and liability is estimated at $388. A liability-only policy costs approximately $434 a year, with high-risk insurance costing around $2,584. Teenage drivers pay the most at $4,498 a year or more.
Average premium for full coverage: $1,198
Premium estimates broken down by type of coverage:
Rates are based on $500 physical damage insurance deductibles, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and for all XC60 models.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a Volvo XC60 go from as cheap as $434 for basic liability insurance to the much higher price of $2,584 for a policy for a high-risk driver.
Insurance Price Range by Location
Living in a larger city can make a big difference on the price of auto insurance. More rural locations are statistically proven to have fewer comprehensive and collision claims than densely populated cities.
The example below illustrates how location helps determine insurance prices.
These rate differences highlight why everyone should get quotes for a targeted area and their own personal driving habits, 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.
Rate Comparisons
The chart below breaks down estimated Volvo XC60 insurance rates for other coverage scenarios.
- The best discount rate is $694
- Choosing higher $1,000 deductibles can save approximately $154 every year
- The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,198
- Using pricier low deductibles for comp and collision coverage will cost $1,492
- Higher-risk drivers who are prone to accidents and violations could pay up to $2,584 or more
- An auto insurance policy with full coverage for a 16-year-old driver for full coverage can cost as much as $4,498 each year
Auto insurance prices for a Volvo XC60 also have a wide range based on the model of your XC60, your driving characteristics, and liability limits and deductibles.
A more mature driver with a good driving record and high physical damage deductibles may pay as low as $1,100 annually on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will have to pay at least $4,400 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you are likely paying $1,400 to $2,000 in extra premium annually, depending on your age. Volvo XC60 insurance for high-risk drivers ranges from 44% to 130% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles can save as much as $450 annually, whereas buying more liability protection will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $349 extra every year. View Rates by Deductible or Liability Limit
Where you choose to live plays a big part in determining prices for Volvo XC60 insurance prices. A good driver about age 40 could pay as low as $920 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,710 on average in Louisiana, New York, and Michigan.
| 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% |
With such a large range in prices, the best way to figure out which insurance company is cheapest is to regularly compare prices from multiple companies. Each auto insurer uses a different method to calculate prices, and quoted prices will be substantially different between companies.
Insurance Rates by Trim Level and Model Year
| 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.
| 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 Buy the Best Cheap Volvo XC60 Insurance
Finding better rates on insurance for a Volvo XC60 takes being a low-risk driver, having above-average credit, refrain from filing small claims, and qualifying for all possible discounts. Invest time comparing rates every year by getting rate quotes from direct car insurance companies, and also from insurance agencies where you live.
The items below are a quick review of the coverage data covered in the charts and tables above.
- You may be able to save approximately $140 per year simply by quoting online well ahead of the renewal date
- Increasing policy deductibles could save up to $450 each year
- Teen drivers are the costliest to insure, with the cost nearing $375 per month if full coverage is included
- Drivers considered higher risk with a DUI or reckless driving violation could be forced to pay on average $1,390 more annually to insure their XC60
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,492 |
| $250 | $1,354 |
| $500 | $1,198 |
| $1,000 | $1,044 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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