Volvo XC60 Insurance Rates
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UPDATED: May 16, 2024
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The average insurance rates for a Volvo XC60 are $1,100 a year including full coverage. Comprehensive costs on average $224, collision insurance costs $350, and liability insurance is estimated at $390. A liability-only policy costs approximately $438 a year, and high-risk insurance costs around $2,368. Teens cost the most to insure at up to $4,186 a year.
Average premium for full coverage: $1,100
Policy rates by type of insurance:
Price estimates include $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 U.S. states and for different XC60 trim levels.
Price Range Variability
For a driver in their 40's, Volvo XC60 insurance rates range from as low as $438 for minimum levels of liability insurance to a much higher rate of $2,368 for a driver who has had serious violations or accidents.
Urban vs. Rural Price Range
Living in a larger city has a significant impact on car insurance rates. Rural areas are shown to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion. The price range example below illustrates how location helps determine car insurance rates.
The examples above highlight why anyone shopping for car insurance should get quotes based on a 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.
Additional Rate Details
The chart below breaks down average Volvo XC60 insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $646
- Choosing higher $1,000 deductibles can save around $132 every year
- The average rate for a good driver age 40 with $500 deductibles is $1,100
- Selecting more expensive low deductibles for comp and collision coverage will increase the cost to $1,348
- High-risk insureds with serious driving violations could pay upwards of $2,368
- Policy cost for full coverage for a teen driver with full coverage may cost $4,186 each year
Car insurance rates for a Volvo XC60 also range considerably based on your risk profile, the model of your XC60, and policy deductibles and limits.
An older driver with no driving violations and high deductibles could pay as little as $1,000 annually on average, or $83 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged upwards of $4,100 a year. View Rates by Age
Your home state plays a big part in determining prices for Volvo XC60 insurance rates. A good driver about age 40 could pay as low as $840 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,570 on average in Michigan, New York, and Louisiana.
| 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 save as much as $380 each year, while increasing your policy's liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $351 extra every 12 months. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you are likely paying at a minimum $1,300 to $1,800 extra every year, depending on your age. High-risk driver insurance ranges 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 Cheaper Volvo XC60 Insurance
Finding cheaper rates on Volvo XC60 insurance takes being a safe and courteous driver, having above-average credit, paying for small claims out-of-pocket, and possibly raising deductibles. Invest time comparing rates every other policy renewal by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
Below is a condensed summary of the ideas that were covered in the charts and tables above.
- Teenage drivers are expensive to insure, with premiums being up to $349 each month if full coverage is included
- High-risk drivers with multiple at-fault accidents may pay on average $1,270 more each year for auto insurance
- Increasing comprehensive and collision deductibles can save around $375 each year
- You may be able to save as much as $130 per year just by shopping early and online
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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