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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Estimated insurance rates for a Volvo S60 Cross Country are $1,624 a year for full coverage. Comprehensive insurance costs approximately $376, collision insurance costs $718, and liability insurance is $372. Liability-only insurance costs around $438 a year, and high-risk driver insurance costs $3,524 or more. Teenage drivers pay the most at up to $5,886 a year.
Average premium for full coverage: $1,624
Premium estimates by type of coverage:
Rate estimates include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes UM/UIM and medical coverage. Rates include averaging for all states and for different S60 Cross Country trim levels.
Insurance Price Range by Risk and Coverage
For an average driver, insurance rates for a Volvo S60 Cross Country range from the low end price of $438 for a discount liability-only rate to a much higher rate of $3,524 for a policy for a high-risk driver.
Insurance Price Range by Location
Choosing to live in a large city has a significant impact on car insurance rates. Rural locations are statistically proven to have lower incidents of accident claims than densely populated cities. The price range example below illustrates the effect of geographic area on auto insurance prices.
These rate differences show why anyone shopping for car insurance should compare rates quotes using their specific location, rather than relying 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 shows average Volvo S60 Cross Country insurance rates for additional coverage and risk scenarios.
- The best discount rate is $916
- Raising to $1,000 deductibles will save $248 a year
- The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,624
- Using more expensive low deductibles will cost an additional $486 a year
- Higher-risk drivers who are prone to accidents and violations could pay around $3,524
- An auto insurance policy that insures a teen driver with full coverage can cost $5,886
Insurance prices for a Volvo S60 Cross Country also have a wide range based on the model year and trim level, how you drive, and physical damage deductibles and liability limits.
If you have a few violations or you caused an accident, you could be paying anywhere from $1,900 to $2,600 additional annually, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 44% to 131% more than a normal policy. View High Risk Driver Rates
An older driver with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,500 every 12 months on average, or $125 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records should be prepared to pay in the ballpark of $5,800 a year. View Rates by Age
Where you choose to live also has a big influence on Volvo S60 Cross Country insurance rates. A middle-age driver might find prices 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 can reduce prices by up to $740 each year, while increasing your policy's liability limits will push prices upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $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 the Best Volvo S60 Cross Country Insurance
Finding better rates on Volvo S60 Cross Country insurance consists of avoiding accidents and violations, having a good credit score, not filing small claims, and consideration of higher deductibles. Compare prices every year by requesting quotes from direct carriers, and also from insurance agencies where you live.
The list below is a brief recap of the coverage data covered in the above illustrations.
- Drivers can save around $200 per year just by shopping early and online
- Increasing policy deductibles can save approximately $725 each year
- Teenagers are the costliest to insure, as much as $491 per month if comprehensive and collision insurance is included
- High-risk drivers who tend to receive serious violations could be forced to pay on average $1,900 more per year for car insurance
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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