Volvo S60 Cross Country 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: Apr 18, 2024
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The average auto insurance rates for a Volvo S60 Cross Country are $1,624 annually with full coverage. Comprehensive costs approximately $376 a year, collision costs $718, and liability costs around $372. Liability-only coverage costs as low as $438 a year, with high-risk coverage costing around $3,524. Teenage drivers cost the most to insure at $5,886 a year or more.
Average premium for full coverage: $1,624
Policy rates by type of insurance:
Rates are based on $500 deductible amounts, split liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all U.S. states and S60 Cross Country trim levels.
Price Range Variability
For an average driver, Volvo S60 Cross Country insurance rates go from as cheap as $438 for a discount liability-only rate to a high of $3,524 for coverage for higher-risk drivers.
Urban vs. Rural Price Range
Where you live can make a big difference on the price of insurance. Rural locations are shown to have fewer collision claims than densely populated cities.
The diagram below illustrates the effect of geographic area on auto insurance prices.
The examples above demonstrate why it is important to compare prices using their specific location and their own personal driving habits, instead of making a decision based on average rates.
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.
Rates by State, City, and Model
The chart below details estimated Volvo S60 Cross Country insurance rates for additional coverage and risk scenarios.
- The best discount rate is $916
- Using higher $1,000 deductibles will save $1,376 annually
- The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,624
- Using low $100 deductibles for physical damage coverage will cost $2,110
- High-risk insureds who are prone to accidents and violations could pay around $3,524 or more
- Policy cost with full coverage for a 16-year-old driver can cost $5,886 or more
Insurance rates for a Volvo S60 Cross Country also range considerably based on the model year and trim level, your driving record, and physical damage deductibles and liability limits.
Older drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,500 a year, or $125 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared to pay in the ballpark of $5,800 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you may be forking out anywhere from $1,900 to $2,600 additional every year, depending on your age. A high-risk auto insurance policy can be from 44% to 131% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could cut rates by as much as $740 annually, while buying higher liability limits will push rates upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $335 more each year. View Rates by Deductible or Liability Limit
Your home state has a huge impact on Volvo S60 Cross Country insurance prices. A driver around age 40 might see rates as low as $1,170 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $2,190 on average in New York, Michigan, and Florida.
| 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% |
Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to get quotes from multiple companies. Each insurance company uses a different method to calculate rates, and rates will be varied between companies.
| 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 Buy the Best Cheap Volvo S60 Cross Country Insurance
Finding cheaper rates on insurance for a Volvo S60 Cross Country requires having a good driving record, having good credit, not filing small claims, and qualifying for all possible discounts. Take the time to compare rates at least once a year by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The next list is a quick review of the primary concepts that were covered in the above illustrations.
- You may be able to save around $200 per year simply by quoting early and online
- Drivers considered higher risk with a DUI or reckless driving violation may pay on average $1,900 more per year to buy Volvo S60 Cross Country insurance
- Increasing comprehensive and collision deductibles could save up to $725 each year
- Drivers age 20 and younger are the costliest to insure, as much as $491 each month if they have full coverage
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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