Volvo S60 Cross Country Insurance Rates
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Michelle Robbins
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UPDATED: Apr 18, 2024
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The average insurance rates for a Volvo S60 Cross Country are $1,624 a year for full coverage. Comprehensive insurance costs approximately $376 each year, collision costs $718, and liability costs around $372. Buying just liability costs as low as $438 a year, with insurance for high-risk drivers costing $3,524 or more. 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:
Rate estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all states and S60 Cross Country models.
Price Range Variability
For the normal driver, Volvo S60 Cross Country insurance rates go from as low as $438 for the bare minimum liability coverage to a high rate of $3,524 for a driver who has had serious violations or accidents.
Urban vs. Rural Price Range
Where you live can make a big difference on car insurance rates. Rural locations are shown to have a lower frequency of accident claims than densely populated cities.
The graphic below illustrates how geographic area affects auto insurance prices.
The examples above show why all drivers should compare prices using their specific location and risk profile, 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.
Additional Rate Information
The chart below shows 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 $248 a year
- The average rate for a good driver age 40 who chooses $500 deductibles is $1,624
- Using low deductibles for physical damage coverage will cost an extra $486 annually
- High-risk insureds who are prone to accidents and violations could pay around $3,524 or more
- Policy cost for 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 your risk profile, the trim level of your S60 Cross Country, and physical damage deductibles and liability limits.
More mature drivers with a clean driving record and high 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 good drivers can expect to pay in the ballpark of $5,800 a year. View Rates by Age
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 $1,070 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $2,320 on average in New York, Louisiana, 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% |
Using high physical damage deductibles could cut rates by as much as $740 annually, whereas increasing liability limits will push rates upward. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $335 more per year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you could be paying anywhere from $1,900 to $2,600 extra every year, depending on your age. Insurance for high-risk drivers can be from 44% to 131% more than a normal policy. View High Risk Driver Rates
Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to do a rate comparison from multiple companies. Each insurance company uses a different method to calculate rates, so the rates will be varied from one company to the next.
| 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 Volvo S60 Cross Country Insurance
Finding cheaper rates on insurance for a Volvo S60 Cross Country requires being a good driver, maintaining good credit, avoid buying unnecessary coverage, and maximizing policy discounts. Invest the time to compare rates every other policy renewal by getting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
The following list is a brief recap of the ideas that were presented in the illustrations above.
- Drivers age 16 to 20 are expensive to insure, costing up to $491 each month for full coverage
- Drivers considered higher risk who tend to receive serious violations may pay on average $1,900 more per year than a safer driver
- Increasing comprehensive and collision deductibles can save around $725 each year
- Drivers can save around $200 per year simply by quoting online in advance
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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