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2013 Volvo XC60 Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Jun 12, 2015

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Average insurance rates for a 2013 Volvo XC60 are $1,146 a year for full coverage. Comprehensive costs on average $240 a year, collision insurance costs $380, and liability costs around $390. Buying a liability-only policy costs as low as $438 a year, and high-risk insurance costs around $2,468. Teenage drivers receive the highest rates at up to $4,330 a year.

Annual premium for full coverage: $1,146

Rate estimates for 2013 Volvo XC60 Insurance

Comprehensive $240
Collision $380
Liability $390

Rate data is compiled from all 50 U.S. states and averaged for all 2013 Volvo XC60 models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For a middle-aged driver, prices range range from as low as $438 for the bare minimum liability coverage to a high of $2,468 for a high risk driver.

Liability Only $438
Full Coverage $1,146
High Risk $2,468

View Chart as Image

2013 Volvo XC60 insurance rates compared
Column chart showing 2013 Volvo XC60 insurance prices range from $668 to $4,330 for full coverage

These differences show why it is important for drivers to compare prices based on a specific location and risk profile, instead of using average rates.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Recommended Companies for Cheap 2013 Volvo XC60 Insurance

Searching Companies

Looking for the cheapest insurance coverage rates for your Volvo XC60? Finding the cheapest insurance for a Volvo XC60 can normally be a lot of work, but you can follow these tips to make it easier.

There is a right way and a wrong way to find insurance coverage online and we’ll show you the best way to price shop coverage for a Volvo and obtain the lowest price.

Fast and Easy Insurance Quotes

All major insurance companies quote coverage prices on the web. Obtaining pricing is pretty painless as you just type in your personal and coverage information as detailed in the form. Once you submit the form, the system automatically orders your driving record and credit report and generates a price determined by many factors.

Quoting online makes comparing rates easy, but the time it takes to visit multiple sites and fill out multiple forms is not the best way to spend an afternoon. Unfortunately, it is important to perform this step if you want to find better insurance pricing.

There is a better way!

A less time-consuming method to find cheaper rates requires only one form to obtain quotes from a bunch of companies at once. This type of form saves time, requires less work, and makes rate comparisons much more enjoyable. Immediately after you send the form, your coverage is rated and you can choose your choice of the quotes that you receive.

If you find a better price you simply finish the application and buy the policy. It takes 15 minutes at the most and you’ll know if lower rates are available.

To fill out one form to compare multiple rates now, click here to open in a new tab and complete the simple form. If you have coverage now, it’s recommended you replicate the coverage information exactly as shown on your declarations page. Doing this assures you will get a rate comparison for similar coverage.

Do car insurance companies bend the truth?

Consumers constantly see and hear ads that promise big savings by companies like Progressive, GEICO, Allstate and State Farm. They all seem to make the same claim of big savings if you change to them.

How can each company make almost identical claims? It’s all in the numbers.

Different companies have a preferred profile for the type of driver they prefer to insure. An example of a driver they prefer could possibly be over the age of 40, insures multiple vehicles, and drives less than 7,500 miles a year. Any driver who meets those qualifications is entitled to the best price and most likely will save a lot of money.

Potential insureds who fall outside this ideal profile will be charged higher premiums which leads to business going elsewhere. The ads say “customers who switch” not “everyone that quotes” save that much money. That’s why companies can state the savings.

That is why drivers should compare as many rates as you can. It’s not possible to predict which car insurance company will have the lowest Volvo XC60 insurance rates.

Verify you’re getting all your discounts

The price of auto insurance can be rather high, but you can get discounts to help bring down the price. Some trigger automatically at the time you complete a quote, but some must be asked for before you will receive the discount. If you aren’t receiving every discount you qualify for, you are throwing money away.

  • Defensive Driver – Taking a course teaching defensive driving skills can save you 5% or more if you qualify.
  • Safe Drivers – Drivers who don’t get into accidents can get discounts for up to 45% lower rates on XC60 coverage than less cautious drivers.
  • Air Bag Discount – Cars that have air bags can get savings of 20% or more.
  • More Vehicles More Savings – Buying coverage for multiple cars or trucks with the same company could earn a price break for each car.
  • Braking Control Discount – Vehicles equipped with ABS or steering control are safer to drive and earn discounts up to 10%.
  • Drive Less and Save – Keeping the miles down on your Volvo can qualify you for lower rates on the low mileage vehicles.
  • Employee of Federal Government – Active or retired federal employment could cut as much as 10% off on XC60 coverage depending on your company.
  • Paperwork-free – Certain companies give back up to $50 for buying your policy on their website.

Consumers should know that most credits do not apply to the entire cost. Most only apply to specific coverage prices like liability and collision coverage. Just because it seems like all those discounts means the company will pay you, it doesn’t quite work that way. But any discount will bring down your overall premium however.

To see a list of insurance companies offering car insurance discounts, follow this link.

When should I talk to an agent?

When choosing coverage, there isn’t really a single plan that fits everyone. Everyone’s needs are different.

For instance, these questions might point out whether or not you may require specific advice.

  • Is a blown tire covered by insurance?
  • Does medical payments coverage apply to all occupants?
  • Why am I required to buy high-risk coverage?
  • Does my personal policy cover me when driving out-of-state?
  • Does my 2013 Volvo XC60 need full coverage?
  • Is my nanny covered when driving my vehicle?
  • Do I need rental car coverage?
  • Can I drive in Mexico and have coverage?

If you’re not sure about those questions then you might want to talk to an insurance agent. To find an agent in your area, take a second and complete this form. It only takes a few minutes and you can get the answers you need.

Detailed coverages of your insurance policy

Understanding the coverages of insurance can help you determine which coverages you need at the best deductibles and correct limits. Insurance terms can be difficult to understand and coverage can change by endorsement.

Collision insurance

This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like scraping a guard rail, driving through your garage door, backing into a parked car and colliding with a tree. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Another option is to choose a higher deductible to save money on collision insurance.

Comprehensive auto coverage

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like falling objects, hitting a bird, damage from flooding and rock chips in glass. The maximum payout your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle from other motorists when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Volvo XC60.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance pay for expenses for nursing services, doctor visits and ambulance fees. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible

Auto liability insurance

This coverage will cover damages or injuries you inflict on other people or property by causing an accident. It protects YOU from claims by other people, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged property. Some companies may use one number which is a combined single limit which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers things such as funeral expenses, pain and suffering, emergency aid and repair bills for other people’s vehicles. How much liability coverage do you need? That is your choice, but buy as high a limit as you can afford.

Find Good Coverage for Less

Throughout this article, we presented a lot of ways to shop for 2013 Volvo XC60 insurance online. The most important thing to understand is the more providers you compare, the higher the chance of saving money. You may even find the most savings is with the least-expected company.

Budget-conscious insurance can be bought both online and with local insurance agents, so compare prices from both to have the best selection. Some insurance companies do not offer you the ability to get quotes online and many times these small insurance companies only sell through independent insurance agents.

As you restructure your insurance plan, do not buy lower coverage limits just to save a few bucks. There have been many cases where an insured dropped full coverage only to discover later that their decision to reduce coverage ended up costing them more. The aim is to get the best coverage possible for the lowest price.

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Rates by U.S. City

2013 Volvo XC60 Insurance Rates by City
City Premium
New York City, NY $1,809
Los Angeles, CA $1,956
Philadelphia, PA $1,526
Jacksonville, FL $1,656
Phoenix, AZ $1,327
Chicago, IL $1,534
Houston, TX $1,794
Seattle, WA $1,114
Columbus, OH $956
Indianapolis, IN $974

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2013 Volvo XC60 Insurance Rates by Driver Age
Driver Age Premium
16 $4,330
20 $2,620
30 $1,186
40 $1,146
50 $1,046
60 $1,026

Full coverage, $500 deductibles

Rates by Deductible

2013 Volvo XC60 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,416
$250 $1,290
$500 $1,146
$1,000 $1,004

Full coverage, driver age 40

Rates by Liability Limit

Volvo XC60 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,146
50/100 $1,224
100/300 $1,322
250/500 $1,575
100 CSL $1,263
300 CSL $1,478
500 CSL $1,634

Full coverage, driver age 40

Rates for High Risk Drivers

2013 Volvo XC60 Insurance Rates for High Risk Drivers
Age Premium
16 $6,162
20 $4,174
30 $2,516
40 $2,468
50 $2,356
60 $2,332

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.

SR-22 Surcharge $157

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $61
Multi-vehicle $60
Homeowner $18
5-yr Accident Free $80
5-yr Claim Free $74
Paid in Full/EFT $49
Advance Quote $55
Online Quote $81
Total Discounts $478
Rate after discounts $668

Discounts are estimated and may not be available from every company or in every state.

Find companies with the cheapest rates in your area

2013 Volvo XC60 Insurance Rates by State
State Premium
Alabama $1,036
Alaska $878
Arizona $948
Arkansas $1,146
California $1,304
Colorado $1,092
Connecticut $1,176
Delaware $1,294
Florida $1,428
Georgia $1,058
Hawaii $822
Idaho $776
Illinois $852
Indiana $862
Iowa $772
Kansas $1,088
Kentucky $1,562
Louisiana $1,694
Maine $708
Maryland $946
Massachusetts $914
Michigan $1,988
Minnesota $960
Mississippi $1,370
Missouri $1,016
Montana $1,228
Nebraska $902
Nevada $1,372
New Hampshire $826
New Jersey $1,280
New Mexico $1,012
New York $1,206
North Carolina $660
North Dakota $938
Ohio $790
Oklahoma $1,176
Oregon $1,050
Pennsylvania $1,090
Rhode Island $1,526
South Carolina $1,038
South Dakota $966
Tennessee $1,002
Texas $1,380
Utah $846
Vermont $784
Virginia $686
Washington $884
West Virginia $1,050
Wisconsin $790
Wyoming $1,018

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