Volvo XC60 Insurance Rates
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Michelle Robbins
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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 for full coverage insurance. Comprehensive insurance costs around $224, collision insurance costs $350, and liability is $390. A policy with just liability insurance costs around $438 a year, and coverage for high-risk drivers costs $2,368 or more. 16-year-old drivers receive the highest rates at up to $4,186 a year.
Average premium for full coverage: $1,100
Rate estimates for individual coverage type:
These estimates include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 states and for all XC60 models.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range range from the cheapest price of $438 for minimum levels of liability insurance to the much higher price of $2,368 for a driver that may need high-risk insurance.
Price Range by Location
Choosing to live in a large city can make a big difference on car insurance rates. Areas with sparse population tend to have more infrequent physical damage claims than congested cities. The example below illustrates how rural and urban location affects auto insurance rates.
These examples illustrate why everyone should compare rates quotes for a specific zip code and their own driving history, instead of making a decision based on rate 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.
Additional Rate Details
The chart below illustrates average Volvo XC60 insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $646
- Raising to $1,000 deductibles will save about $132 each year
- The average price for a 40-year-old driver using $500 deductibles is $1,100
- Buying pricier low deductibles costs an extra $248 annually
- Drivers with multiple tickets or accidents could pay at least $2,368
- The cost to insure a 16-year-old driver for full coverage can be $4,186
Insurance rates for a Volvo XC60 can also vary considerably based on policy deductibles and limits, your risk profile, and the trim level and model year.
Opting for high physical damage deductibles can reduce rates by up to $380 annually, whereas buying more liability protection will increase rates. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $351 more each year. View Rates by Deductible or Liability Limit
A more mature driver with no violations or accidents and higher deductibles may pay as low as $1,000 every 12 months on average for full coverage. Rates are highest for teen drivers, since even excellent drivers should be prepared to pay as much as $4,100 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you are probably paying at least $1,300 to $1,800 additional per year, depending on your age. Volvo XC60 insurance for high-risk drivers is expensive and can cost from 43% to 132% more than the average rate. View High Risk Driver Rates
Where you live also has a big influence on Volvo XC60 insurance prices. A middle-age driver might find rates as low as $720 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,480 on average in Michigan, New York, and Florida.
| 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% |
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 Cheap Volvo XC60 Insurance
Saving money on insurance for a Volvo XC60 consists of avoiding accidents and violations, having above-average credit, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Set aside time to shop around once a year by obtaining price quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
The list below is a brief summary of the data that was raised in the charts and tables above.
- It is possible to save up to $130 per year just by quoting online well ahead of the renewal date
- Insureds who may need higher liability limits will pay around $430 annually to raise from a minimum limit to a 250/500 level
- Teenagers are charged the highest rates, costing up to $349 per month if full coverage is included
- Drivers considered higher risk that tend to have accidents or serious violations may pay on average $1,270 more every year for car insurance
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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