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 prices for a Volvo XC60 are $1,100 every 12 months including full coverage. Comprehensive insurance costs approximately $224, collision costs $350, and liability insurance is $390. Buying just liability costs around $438 a year, with insurance for high-risk drivers costing $2,368 or more. Teens receive the highest rates at $4,186 a year or more.
Average premium for full coverage: $1,100
Rate estimates by individual coverage type:
Rate estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all 50 U.S. states and for all XC60 models.
Price Range by Coverage and Risk
For the average driver, prices range go from the cheapest price of $438 for a discount liability-only rate to the much higher price of $2,368 for a driver required to buy high-risk insurance.
Price Range by Location
Choosing to live in a large city has a significant impact on car insurance prices. Rural locations tend to have more infrequent comprehensive and collision claims than cities with more traffic congestion.
The example below illustrates how location impacts auto insurance prices.
These examples highlight why everyone should compare rates quotes using their specific location and their own driving history, 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.
Rates by State, City, and Model
The chart below breaks down estimated Volvo XC60 insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $646
- Raising to $1,000 deductibles will save $132 every year
- The average price for a 40-year-old driver who chooses $500 deductibles is $1,100
- Selecting pricier low deductibles costs an extra $248 a year
- Higher-risk drivers with serious driving violations could pay around $2,368 or more
- The cost to insure a teen driver for full coverage can cost $4,186
Auto insurance rates for a Volvo XC60 can also vary considerably based on policy deductibles and limits, your driving characteristics, and the model of your XC60.
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $380 each year, whereas buying more liability protection will push rates upward. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $351 extra every year. View Rates by Deductible or Liability Limit
A more mature driver with a good driving record and higher deductibles could pay as little as $1,000 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will have to pay in the ballpark of $4,100 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you are likely paying anywhere from $1,300 to $1,800 in extra premium per year, depending on your age. Volvo XC60 insurance for high-risk drivers is expensive and can cost anywhere from 43% to 132% more than the average policy. View High Risk Driver Rates
Where you live also has a big influence on Volvo XC60 insurance rates. A middle-age driver might find rates as low as $840 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,570 on average in Louisiana, 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% |
With so much variability in rates, the best way to figure out who has the best auto insurance rates is to regularly compare rates from as many companies as possible. Every auto insurance company calculates rates differently, and quoted rates can be significantly different.
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 Shop for the Best Volvo XC60 Insurance
Saving money on Volvo XC60 insurance consists of having a decent driving record, having a good credit score, not filing small claims, and not having any coverage lapses. Spend time shopping around at every policy renewal by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local car insurance providers.
The following items are a brief recap of the data touched on above.
- Drivers who purchase additional liability coverage will pay approximately $430 per year to raise from a minimum limit to a 250/500 level
- You may be able to save around $130 per year simply by quoting online well ahead of the renewal date
- Increasing deductibles could save as much as $375 each year
- 16 to 18-year-old drivers have the highest car insurance rates, as much as $349 per month if comprehensive and collision insurance is included
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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