Volvo S60 Cross Country Insurance Rates

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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 on average $376, collision costs $718, and liability is estimated at $372. Buying just liability costs approximately $438 a year, with insurance for high-risk drivers costing $3,524 or more. Teens 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:

Comprehensive $376
Collision $718
Liability $372

These estimates include $500 deductible amounts, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all states and for different S60 Cross Country trim levels.

Price Range Variability

For a driver around age 40, Volvo S60 Cross Country insurance rates go from the low end price of $438 for your basic liability-only policy to a much higher rate of $3,524 for a high-risk driver policy.

Liability Only $438
Full Coverage $1,624
High Risk $3,524

Urban vs. Rural Price Range

Living in a larger city can have significant affects on car insurance rates. Rural areas are shown to have lower incidents of accident claims than cities with more traffic congestion.

The price range example below illustrates the difference between rural and urban areas on car insurance rates.

Rural Areas $1,218
Small Cities $1,705
Large Cities $2,192

The examples above show why anyone shopping for car insurance should get quotes based on a specific location, instead of 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 Information

The chart below shows estimated Volvo S60 Cross Country insurance rates for different risk profiles and scenarios.

  • The cheapest rate after discounts is $916
  • Choosing higher $1,000 deductibles can save around $248 a year
  • The estimated price for a good driver age 40 with $500 deductibles is $1,624
  • Selecting more expensive low deductibles for comp and collision coverage will cost an additional $486 every year
  • Unlucky drivers with serious driving violations could pay upwards of $3,524 or more
  • Policy cost that insures a teen driver with full coverage may cost $5,886 each year

View Chart as Image

Volvo S60 Cross Country insurance cost comparison chart
Column chart showing full coverage Volvo S60 Cross Country insurance prices range from $916 to $5,886

Insurance rates for a Volvo S60 Cross Country also range considerably based on the model year and trim level, how you drive, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you could be paying at a minimum $1,900 to $2,600 extra every year, depending on your age. High-risk driver insurance ranges as much as 44% to 131% more than the average policy. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,500 annually on average, or $125 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay upwards of $5,800 a year. View Rates by Age

Your home state plays a big part in determining prices for Volvo S60 Cross Country insurance prices. A good driver about age 40 could pay as low as $1,070 a year in states like Idaho, Maine, and Iowa, or have to pay at least $2,320 on average in Michigan, Louisiana, and New York.

Volvo S60 Cross Country Insurance Rates by State
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%

View Chart as Image

Volvo S60 Cross Country insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles can save as much as $740 every year, while increasing your policy's liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $335 more per year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to know exactly what you will pay is to compare rates and see which company has the best rate. Each auto insurer calculates rates differently, so the rates will be varied.

Volvo S60 Cross Country Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2018 Volvo S60 Cross Country $280 $540 $456 $1,434

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 Cheap Volvo S60 Cross Country Insurance

Finding cheaper rates on car insurance takes having a good driving record, having above-average credit, avoid buying unnecessary coverage, and bundling your home and auto policies. Compare rates every time your policy renews by quoting rates from direct carriers, and also from local exclusive and independent agents.

The next list is a brief summary of the information covered above.

  • Drivers can save as much as $200 per year simply by shopping early and online
  • Drivers age 20 and younger pay the highest rates, costing up to $491 each month if full coverage is included
  • Increasing comprehensive and collision deductibles can save approximately $725 each year
  • Higher risk drivers that tend to have accidents or serious violations may pay on average $1,900 more each year to buy Volvo S60 Cross Country insurance
  • Policyholders who require increased levels of liability coverage will pay approximately $410 each year to raise limits from a 30/60 limit to the 250/500 level

Rates by Driver Age

Volvo S60 Cross Country Insurance 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

Volvo S60 Cross Country Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,110
$250 $1,884
$500 $1,624
$1,000 $1,376

Full coverage, driver age 40

Rates by Liability Limit

Volvo S60 Cross Country Insurance Rates with Different Liability Limits
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

Volvo S60 Cross Country Insurance 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.

SR-22 Surcharge $229

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
Rate after discounts $916

Discounts are estimated and may not be available from every company or in every state.

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