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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Average insurance rates for a Volvo XC60 are $1,100 a year for full coverage insurance. Comprehensive insurance costs approximately $224 a year, collision insurance costs $350, and liability insurance is $390. A policy with just liability insurance costs around $438 a year, and coverage for high-risk drivers costs $2,368 or more. Teens receive the highest rates at up to $4,186 a year.
Average premium for full coverage: $1,100
Rate estimates by individual coverage type:
Full coverage includes $500 comprehensive and collision deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 states and XC60 trim levels.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range range from as low as $438 for just liability coverage to a high of $2,368 for high-risk insurance.
Price Range by Location
Choosing to live in a large city has a significant impact on the price of auto insurance. Rural locations tend to have a lower frequency of physical damage claims than cities with more traffic congestion. The diagram below illustrates the difference location can make on auto insurance prices.
These examples illustrate why it is important to compare rates quotes using their specific location and risk profile, rather than relying 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.
Detailed Rate Analysis
The chart below illustrates average Volvo XC60 insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $646
- Raising to $1,000 deductibles will save $968 each year
- The average rate for a 40-year-old driver who chooses $500 deductibles is $1,100
- Selecting low $100 deductibles will cost an extra $248 a year
- Higher-risk drivers with serious driving violations could pay around $2,368
- The cost for full coverage for a teen driver can cost $4,186
Insurance rates for a Volvo XC60 can also vary considerably based on your driver profile, the model year and trim level, and physical damage deductibles and liability limits.
Older drivers with no violations or accidents and high deductibles could pay as little as $1,000 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even good drivers should be prepared to pay in the ballpark of $4,100 a year. View Rates by Age
Where you live also has a big influence on Volvo XC60 insurance rates. A middle-age driver might find rates as low as $720 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,480 on average in Florida, New York, and Michigan.
| 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% |
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $380 each year, while buying higher liability limits will push rates upward. Switching from a 50/100 limit to a 250/500 limit will cost as much as $351 more each year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you are probably paying anywhere from $1,300 to $1,800 additional per year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 43% to 132% more than the average policy. View High Risk Driver Rates
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 More Affordable Volvo XC60 Insurance
Saving money on Volvo XC60 insurance consists of having a decent driving record, having a good credit history, avoid buying unnecessary coverage, and consideration of higher deductibles. Make time to compare rates every couple of years by getting quotes from direct insurance companies like GEICO and Progressive, and also from your local independent and exclusive agents.
The following items are a summary of the material that was touched on in this article.
- Drivers who purchase additional liability coverage will pay approximately $430 annually to raise from a minimum limit to 250/500 limits
- 16 to 18-year-old drivers are the costliest to insure, costing up to $349 per month including comprehensive and collision insurance
- High-risk drivers who have multiple accidents or major violations may pay on average $1,270 more per year than a driver with a clean driving record
- Increasing deductibles can save around $375 each year
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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