Volvo S60 Cross Country Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
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...
Licensed Insurance Agent
UPDATED: Apr 18, 2024
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Average insurance rates for a Volvo S60 Cross Country are $1,624 a year including full coverage. Comprehensive insurance costs approximately $376 each year, collision costs $718, and liability is $372. A liability-only policy costs around $438 a year, with high-risk insurance costing $3,524 or more. Teen drivers receive the highest rates at $5,886 a year or more.
Average premium for full coverage: $1,624
Rate estimates by individual coverage type:
Rates are based on $500 policy deductibles, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and S60 Cross Country models.
Price Range by Coverage and Risk
For the average driver, prices range go from the low end price of $438 for basic liability insurance to a high rate of $3,524 for coverage for higher-risk drivers.
Price Range by Location
Choosing to live in a large city can have significant affects on car insurance prices. Rural locations tend to have lower incidents of comprehensive and collision claims than larger metro areas.
The graphic below illustrates how location impacts auto insurance prices.
These examples highlight why all drivers should compare rates quotes using their specific location, instead of using 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.
Rate Comparisons
The chart below breaks down estimated Volvo S60 Cross Country insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $916
- Raising to $1,000 deductibles will save $248 every year
- The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,624
- Choosing low deductibles will cost an additional $486 every year
- At-risk drivers with multiple violations and an at-fault accident could pay around $3,524 or more
- The cost that insures a teen driver can cost $5,886
Insurance rates for a Volvo S60 Cross Country can also vary considerably based on the trim level and model year, your driving record and age, and physical damage deductibles and liability limits.
If you like to drive fast or you caused an accident, you are likely paying anywhere from $1,900 to $2,600 extra per year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 44% to 131% more than average. View High Risk Driver Rates
More mature drivers with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,500 every 12 months on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records can expect to pay in the ballpark of $5,800 a year. View Rates by Age
Where you live also has a big influence on Volvo S60 Cross Country insurance prices. A middle-age driver might find rates as low as $1,250 a year in states like Vermont, New Hampshire, and Missouri, or as much as $2,320 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,470 | -$154 | -9.5% |
| Alaska | $1,246 | -$378 | -23.3% |
| Arizona | $1,348 | -$276 | -17.0% |
| Arkansas | $1,624 | -$0 | 0.0% |
| California | $1,854 | $230 | 14.2% |
| Colorado | $1,554 | -$70 | -4.3% |
| Connecticut | $1,670 | $46 | 2.8% |
| Delaware | $1,840 | $216 | 13.3% |
| Florida | $2,034 | $410 | 25.2% |
| Georgia | $1,502 | -$122 | -7.5% |
| Hawaii | $1,168 | -$456 | -28.1% |
| Idaho | $1,098 | -$526 | -32.4% |
| Illinois | $1,212 | -$412 | -25.4% |
| Indiana | $1,224 | -$400 | -24.6% |
| Iowa | $1,098 | -$526 | -32.4% |
| Kansas | $1,546 | -$78 | -4.8% |
| Kentucky | $2,218 | $594 | 36.6% |
| Louisiana | $2,408 | $784 | 48.3% |
| Maine | $1,004 | -$620 | -38.2% |
| Maryland | $1,340 | -$284 | -17.5% |
| Massachusetts | $1,300 | -$324 | -20.0% |
| Michigan | $2,824 | $1,200 | 73.9% |
| Minnesota | $1,362 | -$262 | -16.1% |
| Mississippi | $1,946 | $322 | 19.8% |
| Missouri | $1,442 | -$182 | -11.2% |
| Montana | $1,746 | $122 | 7.5% |
| Nebraska | $1,282 | -$342 | -21.1% |
| Nevada | $1,950 | $326 | 20.1% |
| New Hampshire | $1,172 | -$452 | -27.8% |
| New Jersey | $1,816 | $192 | 11.8% |
| New Mexico | $1,440 | -$184 | -11.3% |
| New York | $1,712 | $88 | 5.4% |
| North Carolina | $936 | -$688 | -42.4% |
| North Dakota | $1,330 | -$294 | -18.1% |
| Ohio | $1,122 | -$502 | -30.9% |
| Oklahoma | $1,670 | $46 | 2.8% |
| Oregon | $1,488 | -$136 | -8.4% |
| Pennsylvania | $1,552 | -$72 | -4.4% |
| Rhode Island | $2,168 | $544 | 33.5% |
| South Carolina | $1,472 | -$152 | -9.4% |
| South Dakota | $1,372 | -$252 | -15.5% |
| Tennessee | $1,424 | -$200 | -12.3% |
| Texas | $1,960 | $336 | 20.7% |
| Utah | $1,204 | -$420 | -25.9% |
| Vermont | $1,114 | -$510 | -31.4% |
| Virginia | $974 | -$650 | -40.0% |
| Washington | $1,256 | -$368 | -22.7% |
| West Virginia | $1,490 | -$134 | -8.3% |
| Wisconsin | $1,126 | -$498 | -30.7% |
| Wyoming | $1,450 | -$174 | -10.7% |
Choosing high deductibles can reduce rates by up to $740 every year, whereas increasing liability limits will push rates upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $335 more per year. View Rates by Deductible or Liability Limit
With so much variability in rates, the best way to figure out who has the best auto insurance rates is to do a rate comparison and see which company has the best rate. Every auto insurance company uses a different rate calculation, so the rates can be significantly different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2018 Volvo S60 Cross Country | $268 | $484 | $460 | $1,370 |
Rates are averaged for all Volvo S60 Cross Country 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 the Best Cheap Volvo S60 Cross Country Insurance
Saving money on car insurance consists of avoiding accidents and claims, having above-average credit, not filing small claims, and maximizing policy discounts. Shop around at least once a year by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local auto insurance providers.
The points below are a quick review of the primary concepts that were touched on above.
- You may be able to save around $200 per year simply by quoting online in advance
- Higher risk drivers with a DUI or reckless driving violation will likely pay on average $1,900 more per year to insure a Volvo S60 Cross Country
- Increasing deductibles can save approximately $725 each year
- Drivers under the age of 20 are expensive to insure, as much as $491 per month if full coverage is included
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,886 |
| 20 | $3,760 |
| 30 | $1,712 |
| 40 | $1,624 |
| 50 | $1,482 |
| 60 | $1,454 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,110 |
| $250 | $1,884 |
| $500 | $1,624 |
| $1,000 | $1,376 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,624 |
| 50/100 | $1,698 |
| 100/300 | $1,791 |
| 250/500 | $2,033 |
| 100 CSL | $1,736 |
| 300 CSL | $1,940 |
| 500 CSL | $2,089 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,440 |
| 20 | $5,980 |
| 30 | $3,616 |
| 40 | $3,524 |
| 50 | $3,360 |
| 60 | $3,330 |
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 | $88 |
| Multi-vehicle | $84 |
| Homeowner | $22 |
| 5-yr Accident Free | $127 |
| 5-yr Claim Free | $106 |
| Paid in Full/EFT | $80 |
| Advance Quote | $84 |
| Online Quote | $117 |
| Total Discounts | $708 |
Discounts are estimated and may not be available from every company or in every state.
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