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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U.S. average auto insurance rates for a Volvo S60 Cross Country are $1,624 annually with full coverage. Comprehensive insurance costs an estimated $376 each year, collision costs $718, and liability costs $372. Liability-only coverage costs as little as $438 a year, with high-risk coverage costing $3,524 or more. Teen drivers pay the highest rates at $5,886 a year or more.
Average premium for full coverage: $1,624
Price estimates broken down by individual coverage:
Prices include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all U.S. states and S60 Cross Country models.
Price Range from Low to High
For a 40-year-old driver, Volvo S60 Cross Country insurance prices go from as cheap as $438 for just liability coverage to a high rate of $3,524 for a driver that may need high-risk insurance.
Geographic Price Range
Your location can have significant affects on car insurance rates. More rural locations have fewer collision claims than larger metro areas.
The graphic below illustrates how your location can change insurance prices.
The ranges above demonstrate why all drivers should compare rates for a targeted area and their own personal driving habits, 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.
Detailed Rate Analysis
The chart below details estimated Volvo S60 Cross Country insurance rates for other coverage scenarios.
- The lowest rate with discounts is $916
- Drivers who choose higher $1,000 deductibles will pay approximately $248 annually
- The estimated rate for the average middle-age driver who has $500 deductibles is $1,624
- Choosing low deductibles for comprehensive and collision insurance costs an additional $486 every year
- Higher-risk drivers with multiple violations and an at-fault accident could pay up to $3,524 or more
- The price with full coverage for a teen driver can cost as much as $5,886 a year
Auto insurance prices for a Volvo S60 Cross Country are also quite variable based on the trim level and model year, your driving record, and liability limits and deductibles.
More mature drivers with a good driving record and high physical damage deductibles may pay as little as $1,500 per year on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will have to pay at least $5,800 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you may be forking out $1,900 to $2,600 in extra premium each year, depending on your age. Insurance for high-risk drivers can cost as much as 44% to 131% more than average. View High Risk Driver Rates
Choosing high deductibles could save up to $740 every year, whereas increasing liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $335 extra every year. View Rates by Deductible or Liability Limit
The state you live in makes a big difference in Volvo S60 Cross Country insurance prices. A 40-year-old driver could pay as low as $1,170 a year in states like Utah, Ohio, and New Hampshire, or 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% |
Since prices can be so different, the best way to find out which car insurance is cheapest is to do a rate comparison and see which company has the best price. Every company uses a different rate calculation, and quoted prices may be quite different 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 Right Volvo S60 Cross Country Insurance
Getting lower rates on car insurance not only requires having a decent driving record, but also having above-average credit, avoid buying unnecessary coverage, and qualifying for all possible discounts. Invest the time to shop around once a year by obtaining price quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The following items are a quick rundown of the data that was illustrated above.
- You may be able to save approximately $200 per year simply by quoting online in advance
- Policyholders who want additional liability coverage will pay about $410 every year to go from a low limit to higher 250/500 limits
- 16 to 18-year-old drivers are the costliest to insure, costing up to $491 a month if full coverage is included
- Higher risk drivers with reckless driving or DUI convictions pay on average $1,900 more annually than a driver with a clean driving record
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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