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...
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UPDATED: Apr 18, 2024
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Average insurance rates for a Volvo S60 Cross Country are $1,624 a year for full coverage. Comprehensive insurance costs around $376, collision insurance costs $718, and liability is $372. A policy with just liability insurance costs around $438 a year, and coverage for high-risk drivers costs $3,524 or more. Teen drivers receive the highest rates at up to $5,886 a year.
Average premium for full coverage: $1,624
Rate estimates for individual coverage type:
Full coverage includes $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all states and for different S60 Cross Country trim levels.
Price Range by Coverage and Risk
For the average driver, prices range range from the low end price of $438 for the bare minimum liability coverage to a much higher rate of $3,524 for a high-risk driver policy.
Price Range by Location
Choosing to live in a large city can make a big difference on auto insurance rates. Areas with sparse population tend to have lower incidents of accident claims than larger metro areas. The price range example below illustrates how location impacts auto insurance rates.
These examples show why anyone shopping for car insurance should compare rates quotes for a specific zip code, 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.
Additional Rate Information
The chart below shows average Volvo S60 Cross Country insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $916
- Raising to $1,000 deductibles will save about $248 a year
- The estimated price for a 40-year-old driver using $500 deductibles is $1,624
- Choosing more expensive low deductibles will cost an additional $486 annually
- Drivers with multiple violations and an at-fault accident could pay at least $3,524
- The cost that insures a 16-year-old driver with full coverage can be $5,886
Insurance rates for a Volvo S60 Cross Country can also vary considerably based on the model year and trim level, how you drive, and deductibles and policy limits.
If you like to drive fast or you caused an accident, you could be paying at least $1,900 to $2,600 additional per year, depending on your age. High-risk driver insurance is expensive and can cost from 44% to 131% more than average. View High Risk Driver Rates
An older driver with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,500 every 12 months on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records should be prepared to pay as much as $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 $1,070 a year in states like Idaho, Maine, and Iowa, or as much as $2,320 on average in Michigan, Louisiana, and New York.
| 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 annually, while increasing your policy's liability limits will increase rates. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $335 more each year. View Rates by Deductible or Liability Limit
| 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 More Affordable Volvo S60 Cross Country Insurance
Saving money on insurance for a Volvo S60 Cross Country consists of being a low-risk driver, having a good credit score, eliminating unneeded coverage, and deciding if full coverage is necessary. Shop around every time your policy renews by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The items below are a summary of the information touched on above.
- Drivers can save up to $200 per year just by shopping early and online
- Teen drivers are charged the highest rates, costing as high as $491 per month if comprehensive and collision insurance is included
- Increasing deductibles can save approximately $725 each year
- Drivers considered higher risk who have multiple accidents or major violations pay on average $1,900 more every year to insure their S60 Cross Country
- Insureds who may need more liability coverage will pay about $410 each year to raise from a minimum limit to the 250/500 level
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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