Volvo S60 Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
UPDATED: Jun 3, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
Are you searching for cheap Volvo S60 car insurance? The average Volvo S60 insurance rates are $131 per month or $1,580 a year. However, many factors impact your Volvo insurance costs, like your age and driving record.
Even the age of your model can affect your insurance premiums. For example, the 2004 Volvo S60 insurance costs will be much lower than the 2013 Volvo S60 insurance costs.
Read our guide to learn what drivers can do to save on the cost of insuring a Volvo S60 and secure cheap car insurance.
Ready to start shopping around for Volvo S60 insurance rates? Enter your five-digit ZIP code in our FREE quote comparison tool to get started.
The average auto insurance rates for a Volvo S60 are $996 annually for full coverage insurance. Comprehensive costs on average $168, collision costs $218, and liability is estimated at $452. Liability-only coverage costs approximately $504 a year, with high-risk coverage costing around $2,140. Teen drivers cost the most to insure at $3,992 a year or more.
Average premium for full coverage: $996
Policy rates by type of insurance:
Rates are based on $500 deductibles, 30/60 liability coverage, and includes medical and UM/UIM coverage. Prices are averaged for all 50 states and for different S60 trim levels.
Price Range Variability
For the average 40-year-old driver, Volvo S60 insurance rates go from as cheap as $504 for just liability insurance to a much higher rate of $2,140 for a policy for a high-risk driver.
Urban vs. Rural Price Range
Living in a larger city can make a big difference on insurance rates. Rural areas are shown to have fewer physical damage claims than larger metro areas.
The price range example below illustrates the difference location can make on car insurance rates.
The examples above illustrate why anyone shopping for car insurance should get quotes based on a specific location and their own personal driving habits, instead of making a decision based on price 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.
More Rate Details
The chart below illustrates estimated Volvo S60 insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $607
- Choosing higher $1,000 deductibles can save around $88 each year
- The estimated rate for a good driver age 40 with $500 deductibles is $996
- Choosing more expensive low deductibles for comp and collision coverage will cost $1,166
- Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,140 or more
- Policy cost with full coverage for a 16-year-old driver with full coverage may cost $3,992 each year
Insurance rates for a Volvo S60 also range considerably based on the model year and trim level, your risk profile, and policy deductibles and limits.
An older driver with no violations or accidents and high physical damage deductibles may pay as low as $900 annually on average, or $75 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they should be prepared to pay upwards of $3,900 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you are probably paying at a minimum $1,200 to $1,700 additional every year, depending on your age. High-risk driver insurance ranges from 43% to 134% more than average. View High Risk Driver Rates
Choosing high deductibles can save as much as $260 annually, while increasing your policy's liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $407 more each year. View Rates by Deductible or Liability Limit
Your home state plays a big part in determining prices for Volvo S60 insurance prices. A good driver about age 40 could pay as low as $650 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,350 on average in Michigan, New York, and Florida.
State | Premium | Compared to U.S. Avg | Percent Difference |
---|---|---|---|
Alabama | $902 | -$94 | -9.4% |
Alaska | $766 | -$230 | -23.1% |
Arizona | $828 | -$168 | -16.9% |
Arkansas | $996 | -$0 | 0.0% |
California | $1,136 | $140 | 14.1% |
Colorado | $952 | -$44 | -4.4% |
Connecticut | $1,026 | $30 | 3.0% |
Delaware | $1,128 | $132 | 13.3% |
Florida | $1,248 | $252 | 25.3% |
Georgia | $920 | -$76 | -7.6% |
Hawaii | $716 | -$280 | -28.1% |
Idaho | $674 | -$322 | -32.3% |
Illinois | $742 | -$254 | -25.5% |
Indiana | $750 | -$246 | -24.7% |
Iowa | $672 | -$324 | -32.5% |
Kansas | $948 | -$48 | -4.8% |
Kentucky | $1,360 | $364 | 36.5% |
Louisiana | $1,476 | $480 | 48.2% |
Maine | $614 | -$382 | -38.4% |
Maryland | $822 | -$174 | -17.5% |
Massachusetts | $796 | -$200 | -20.1% |
Michigan | $1,732 | $736 | 73.9% |
Minnesota | $834 | -$162 | -16.3% |
Mississippi | $1,194 | $198 | 19.9% |
Missouri | $884 | -$112 | -11.2% |
Montana | $1,070 | $74 | 7.4% |
Nebraska | $786 | -$210 | -21.1% |
Nevada | $1,196 | $200 | 20.1% |
New Hampshire | $720 | -$276 | -27.7% |
New Jersey | $1,114 | $118 | 11.8% |
New Mexico | $884 | -$112 | -11.2% |
New York | $1,050 | $54 | 5.4% |
North Carolina | $576 | -$420 | -42.2% |
North Dakota | $816 | -$180 | -18.1% |
Ohio | $688 | -$308 | -30.9% |
Oklahoma | $1,024 | $28 | 2.8% |
Oregon | $912 | -$84 | -8.4% |
Pennsylvania | $950 | -$46 | -4.6% |
Rhode Island | $1,330 | $334 | 33.5% |
South Carolina | $902 | -$94 | -9.4% |
South Dakota | $840 | -$156 | -15.7% |
Tennessee | $874 | -$122 | -12.2% |
Texas | $1,204 | $208 | 20.9% |
Utah | $738 | -$258 | -25.9% |
Vermont | $684 | -$312 | -31.3% |
Virginia | $598 | -$398 | -40.0% |
Washington | $770 | -$226 | -22.7% |
West Virginia | $912 | -$84 | -8.4% |
Wisconsin | $690 | -$306 | -30.7% |
Wyoming | $888 | -$108 | -10.8% |
Because rates have so much variability, the only way to figure out exactly what you will pay is to compare rates from multiple companies. Each auto insurer uses a different rate calculation, and rates will be varied between companies.
Model Year | Comprehensive | Collision | Liability | Total Premium |
---|---|---|---|---|
2012 Volvo S60 | $210 | $346 | $474 | $1,188 |
2007 Volvo S60 | $172 | $230 | $460 | $1,020 |
2006 Volvo S60 | $168 | $218 | $452 | $996 |
2005 Volvo S60 | $154 | $208 | $446 | $966 |
2004 Volvo S60 | $150 | $198 | $442 | $948 |
Rates are averaged for all Volvo S60 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Buy the Best Cheap Volvo S60 Insurance
Finding cheaper rates on insurance for a Volvo S60 takes not taking risks behind the wheel, having good credit, being claim-free, and insuring your home and auto with the same company. Make time to compare rates every year by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
The following is a quick review of the coverage data touched on in this article.
- It is possible to save as much as $110 per year simply by shopping early and online
- Increasing comprehensive and collision deductibles could save up to $250 each year
- Teens pay higher rates, possibly costing $333 each month if they have full coverage
- Drivers considered higher risk with a DUI or reckless driving violation may pay on average $1,140 more each year for S60 insurance
So, is insurance on a Volvo expensive? As you’ve learned from the information above, the Volvo S60 average insurance costs depend on many different factors. The slightly older 2012 Volvo S60 insurance costs will be lower than insuring a newer 2020 model.
Ready to start shopping to find the cheapest Volvo S60 rates? Whether you are shopping for Volvo G60 insurance or just Volvo insurance costs, enter your ZIP code in our FREE tool below to get started.
Compare Quotes From Top Companies and Save Secured with SHA-256 EncryptionFree Car Insurance Comparison
What are the safety ratings of the Volvo S60?
Good Volvo S60 safety ratings can help drivers save on car insurance. The Volvo S60 has some good safety features, such as a blind-spot monitor, auto-leveling headlights, lane departure warning, and lane-keeping assist.
The 2020 Volvo S60 also won the Insurance Institute for Highway Safety’s 2020 Top Safety Pick award because of the following crash test ratings:
- Small overlap front (driver-side): Good
- Small overlap front (passenger-side): Good
- Moderate overlap front: Good
- Side: Good
- Roof strength: Good
- Head restraints and seats: Good
The good news is that these perfect safety ratings will help keep your Volvo S60 insurance rates low.
You may be wondering, if the Volvo S60 is so safe, then why are Volvos so expensive to insure? Despite the phenomenal safety ratings, the maintenance costs for this car also impact your insurance rates.
Volvo is a luxury car brand. Luxury vehicles usually cost more to fix and maintain. To make up for those extra expenses, insurance companies often charge higher than average premiums for these types of cars.
The Volvo S60 maintenance costs can rise above $700 annually, which is a little higher than average and may cause your premiums to go up. Many consumers who drive a luxury car also purchase fuller coverage insurance policies to protect their assets, which will also lead to higher premiums.
Volvo S60 Compared Against Other Vehicles in the Same Class
Comparing the Volvo S60 to similar vehicles can help you save money, especially if the Volvo S60 has better insurance loss ratios than other vehicles in its class. Officially, the Insurance Information Institute classifies the Volvo S60 as a midsize luxury car.
Take a look at the list below to see how other midsize luxury cars’ rates compare to the Volvo S60.
Fortunately, the property damage, comprehensive, and personal injury liability insurance losses for the Volvo S60 are better than average at -21 percent, – 24 percent, and -23 percent respectively in comparison to other midsize luxury cars.
You’re now an expert on Volvo S60 insurance rates. To review, why is Volvo insurance so expensive? High insurance premiums have more to do with the driver than the car, maintaining a clean driving record and comparison shopping will always help you secure your cheapest insurance rates.
Now you’re ready to start shopping for cheap Volvo S60 insurance rates, just enter your five-digit ZIP code in our FREE quote comparison tool to get started.
Rate Tables and Charts
Rates by Driver Age
Driver Age | Premium |
---|---|
16 | $3,992 |
20 | $2,276 |
30 | $1,016 |
40 | $996 |
50 | $914 |
60 | $896 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $1,166 |
$250 | $1,088 |
$500 | $996 |
$1,000 | $908 |
Full coverage, driver age 40
Rates by Liability Limit
Liability Limit | Premium |
---|---|
30/60 | $996 |
50/100 | $1,086 |
100/300 | $1,199 |
250/500 | $1,493 |
100 CSL | $1,132 |
300 CSL | $1,380 |
500 CSL | $1,561 |
Full coverage, driver age 40
Rates for High Risk Drivers
Age | Premium |
---|---|
16 | $5,622 |
20 | $3,620 |
30 | $2,158 |
40 | $2,140 |
50 | $2,046 |
60 | $2,026 |
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 | $50 |
Multi-vehicle | $53 |
Homeowner | $17 |
5-yr Accident Free | $61 |
5-yr Claim Free | $62 |
Paid in Full/EFT | $36 |
Advance Quote | $43 |
Online Quote | $67 |
Total Discounts | $389 |
Discounts are estimated and may not be available from every company or in every state.
Compare Rates and Save
Find companies with the cheapest rates in your area