Volvo S60 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: Jun 1, 2024
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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.
Estimated auto insurance rates for a Volvo S60 are $1,286 annually including full coverage. Comprehensive costs approximately $242 each year, collision costs $426, and liability is $460. A liability-only policy costs around $510 a year, with high-risk insurance costing around $2,790. Teens pay the most at $4,956 a year or more.
Average premium for full coverage: $1,286
Premium estimates by type of coverage:
These estimates include $500 physical damage insurance deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and S60 models.
Insurance Price Range by Risk and Coverage
For the normal driver, insurance rates for a Volvo S60 go from as cheap as $510 for just liability coverage to a high rate of $2,790 for coverage for higher-risk drivers.
Insurance Price Range by Location
Choosing to live in a large city can make a big difference on car insurance prices. Rural locations are statistically proven to have fewer comprehensive and collision claims than cities with more traffic congestion.
The graphic below illustrates how geographic area affects auto insurance prices.
These rate differences highlight why all drivers should compare rates quotes using their specific location and their own personal driving habits, instead of making a decision based 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.
Detailed Rate Analysis
The chart below breaks down estimated Volvo S60 insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $749
- Raising to $1,000 deductibles will save $152 every year
- The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,286
- Selecting low deductibles will cost $1,582
- Drivers with serious driving violations could pay around $2,790 or more
- An auto insurance policy with full coverage for a 16-year-old driver can cost $4,956
Auto insurance prices for a Volvo S60 also have a wide range based on the model of your S60, your driving characteristics, and physical damage deductibles and liability limits.
More mature drivers with a good driving record and high physical damage deductibles may pay as low as $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will have to pay in the ballpark of $4,900 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you are likely paying anywhere from $1,500 to $2,100 in extra premium annually, depending on your age. Insurance for high-risk drivers is expensive and can cost from 42% to 130% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $450 annually, whereas increasing liability limits will push prices upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $414 extra every year. View Rates by Deductible or Liability Limit
Where you choose to live also has a big influence on Volvo S60 insurance prices. A middle-age driver might find prices as low as $990 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,840 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,164 | -$122 | -9.5% |
| Alaska | $986 | -$300 | -23.3% |
| Arizona | $1,068 | -$218 | -17.0% |
| Arkansas | $1,286 | -$0 | 0.0% |
| California | $1,466 | $180 | 14.0% |
| Colorado | $1,230 | -$56 | -4.4% |
| Connecticut | $1,322 | $36 | 2.8% |
| Delaware | $1,456 | $170 | 13.2% |
| Florida | $1,608 | $322 | 25.0% |
| Georgia | $1,188 | -$98 | -7.6% |
| Hawaii | $924 | -$362 | -28.1% |
| Idaho | $870 | -$416 | -32.3% |
| Illinois | $958 | -$328 | -25.5% |
| Indiana | $968 | -$318 | -24.7% |
| Iowa | $868 | -$418 | -32.5% |
| Kansas | $1,222 | -$64 | -5.0% |
| Kentucky | $1,756 | $470 | 36.5% |
| Louisiana | $1,904 | $618 | 48.1% |
| Maine | $794 | -$492 | -38.3% |
| Maryland | $1,062 | -$224 | -17.4% |
| Massachusetts | $1,030 | -$256 | -19.9% |
| Michigan | $2,234 | $948 | 73.7% |
| Minnesota | $1,076 | -$210 | -16.3% |
| Mississippi | $1,540 | $254 | 19.8% |
| Missouri | $1,140 | -$146 | -11.4% |
| Montana | $1,382 | $96 | 7.5% |
| Nebraska | $1,014 | -$272 | -21.2% |
| Nevada | $1,544 | $258 | 20.1% |
| New Hampshire | $928 | -$358 | -27.8% |
| New Jersey | $1,438 | $152 | 11.8% |
| New Mexico | $1,140 | -$146 | -11.4% |
| New York | $1,354 | $68 | 5.3% |
| North Carolina | $742 | -$544 | -42.3% |
| North Dakota | $1,052 | -$234 | -18.2% |
| Ohio | $888 | -$398 | -30.9% |
| Oklahoma | $1,322 | $36 | 2.8% |
| Oregon | $1,178 | -$108 | -8.4% |
| Pennsylvania | $1,226 | -$60 | -4.7% |
| Rhode Island | $1,716 | $430 | 33.4% |
| South Carolina | $1,164 | -$122 | -9.5% |
| South Dakota | $1,086 | -$200 | -15.6% |
| Tennessee | $1,128 | -$158 | -12.3% |
| Texas | $1,552 | $266 | 20.7% |
| Utah | $952 | -$334 | -26.0% |
| Vermont | $882 | -$404 | -31.4% |
| Virginia | $770 | -$516 | -40.1% |
| Washington | $996 | -$290 | -22.6% |
| West Virginia | $1,178 | -$108 | -8.4% |
| Wisconsin | $892 | -$394 | -30.6% |
| Wyoming | $1,148 | -$138 | -10.7% |
With such a large range in prices, the best way to figure out who has the best auto insurance prices is to do a rate comparison from multiple companies. Every auto insurance company calculates prices differently, and quoted prices will be substantially different between companies.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Volvo S60 | $332 | $656 | $398 | $1,544 |
| 2023 Volvo S60 | $320 | $640 | $416 | $1,534 |
| 2022 Volvo S60 | $310 | $612 | $430 | $1,510 |
| 2021 Volvo S60 | $292 | $592 | $442 | $1,484 |
| 2020 Volvo S60 | $282 | $548 | $452 | $1,440 |
| 2019 Volvo S60 | $270 | $516 | $456 | $1,400 |
| 2018 Volvo S60 | $258 | $464 | $460 | $1,340 |
| 2017 Volvo S60 | $242 | $426 | $460 | $1,286 |
| 2016 Volvo S60 | $234 | $400 | $464 | $1,256 |
| 2012 Volvo S60 | $192 | $288 | $474 | $1,112 |
| 2007 Volvo S60 | $154 | $208 | $446 | $966 |
| 2006 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 Cheap Volvo S60 Insurance
Finding better rates on insurance for a Volvo S60 consists of being a low-risk driver, having above-average credit, refrain from filing small claims, and not having any coverage lapses. Invest the time to compare rates at least once a year by requesting quotes from direct car insurance companies, and also from local insurance agencies.
The items below are a brief summary of the primary concepts that were presented in the illustrations above.
- You may be able to save around $150 per year simply by quoting online in advance
- Drivers considered higher risk that tend to have accidents or serious violations may have to pay on average $1,500 more per year to insure their S60
- Increasing policy deductibles could save up to $450 each year
- Teen drivers have the highest car insurance prices, with the cost nearing $413 per month if full coverage is included
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.
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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 | $4,956 |
| 20 | $2,972 |
| 30 | $1,330 |
| 40 | $1,286 |
| 50 | $1,178 |
| 60 | $1,154 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,582 |
| $250 | $1,444 |
| $500 | $1,286 |
| $1,000 | $1,134 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,286 |
| 50/100 | $1,378 |
| 100/300 | $1,493 |
| 250/500 | $1,792 |
| 100 CSL | $1,424 |
| 300 CSL | $1,677 |
| 500 CSL | $1,861 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,044 |
| 20 | $4,740 |
| 30 | $2,838 |
| 40 | $2,790 |
| 50 | $2,666 |
| 60 | $2,642 |
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 | $68 |
| Multi-vehicle | $69 |
| Homeowner | $20 |
| 5-yr Accident Free | $90 |
| 5-yr Claim Free | $83 |
| Paid in Full/EFT | $55 |
| Advance Quote | $62 |
| Online Quote | $90 |
| Total Discounts | $537 |
Discounts are estimated and may not be available from every company or in every state.
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