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 insurance prices for a Volvo S60 Cross Country are $1,624 every 12 months for full coverage insurance. Comprehensive costs around $376 a year, collision costs $718, and liability coverage is $372. A policy with just liability insurance costs around $438 a year, with coverage for high-risk drivers costing around $3,524. Teens pay the highest rates at $5,886 a year or more.
Average premium for full coverage: $1,624
Price estimates for individual coverage:
Full coverage includes $500 physical damage insurance deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 states and S60 Cross Country trim levels.
Price Range from Low to High
For an average driver, Volvo S60 Cross Country insurance prices go from the cheapest price of $438 for just liability insurance to a high of $3,524 for high-risk insurance.
Geographic Price Range
Choosing to live in a large city has a large influence on car insurance rates. Areas with sparse population have more infrequent physical damage claims than cities with more traffic congestion.
The diagram below illustrates the effect of geographic area on auto insurance rates.
The ranges above illustrate why it is important to compare rates quotes for a specific zip code and their own driving history, rather than using averaged prices.
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.
More Rate Details
The chart below illustrates estimated Volvo S60 Cross Country insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $916
- Raising to $1,000 deductibles will save about $1,376 each year
- The average price for the average middle-age driver using $500 deductibles is $1,624
- Selecting low $100 deductibles increases the price to $2,110
- Unlucky drivers with serious driving violations could pay at least $3,524 or more
- The price to insure a teenage driver can be $5,886
Insurance prices for a Volvo S60 Cross Country are also quite variable based on deductibles and policy limits, your risk profile, and the trim level and model year.
Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $740 a year, while buying higher liability limits will increase prices. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $335 more per year. View Rates by Deductible or Liability Limit
Older drivers with a clean driving record and higher deductibles may only pay around $1,500 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers can expect to pay as much as $5,800 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are probably paying at least $1,900 to $2,600 extra each year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 44% to 131% more than the average policy. View High Risk Driver Rates
The state you live in also has a big influence on Volvo S60 Cross Country insurance rates. A middle-age driver might find prices as low as $1,060 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $2,190 on average in Michigan, New York, 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 only way to figure out your exact price is to get quotes and see how they stack up. Every auto insurance company calculates prices differently, so the prices may be quite different.
| 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 Shop for More Affordable Volvo S60 Cross Country Insurance
Getting lower rates on auto insurance consists of being a low-risk driver, having good credit, not filing small claims, and insuring your home and auto with the same company. Take the time to compare rates every couple of years by getting rate quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The items below are a summary of the material that was covered in the above illustrations.
- Consumers who may need more liability coverage will pay approximately $410 annually to raise from a low limit to a 250/500 level
- Teen drivers pay higher prices, as much as $491 a month if they have full coverage
- Drivers who have multiple accidents or major violations may pay on average $1,900 more every year to insure their S60 Cross Country
- Increasing physical damage deductibles could save as much as $725 each year
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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