Volvo XC60 Insurance Rates

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UPDATED: May 16, 2024

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Estimated auto insurance rates for a Volvo XC60 are $1,198 annually with full coverage. Comprehensive insurance costs around $250, collision insurance costs $424, and liability insurance is $388. A liability-only policy costs around $434 a year, and high-risk insurance costs $2,584 or more. Teens pay the most at up to $4,498 a year.

Average premium for full coverage: $1,198

Premium estimates for type of coverage:

Comprehensive $250
Collision $424
Liability $388

Prices are based on $500 physical damage deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all U.S. states and for different XC60 trim levels.

Insurance Price Range by Risk and Coverage

For the normal driver, insurance rates for a Volvo XC60 range from as cheap as $434 for a discount liability-only rate to a much higher rate of $2,584 for coverage for higher-risk drivers.

Liability Only $434
Full Coverage $1,198
High Risk $2,584

Insurance Price Range by Location

Choosing to live in a large city has a significant impact on insurance rates. Areas with sparse population are statistically proven to have fewer collision claims than cities with more traffic congestion. The price range example below illustrates how geographic area affects auto insurance rates.

Rural Areas $899
Small Cities $1,258
Large Cities $1,617

These rate differences demonstrate why anyone shopping for car insurance should compare rates quotes for a specific zip code and their own personal driving habits, rather than relying on 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.

Rates by State, City, and Model

The chart below details average Volvo XC60 insurance rates for additional coverage choices and driver risks.

  • The cheapest rate after discounts is $694
  • Raising to $1,000 deductibles will save about $154 annually
  • The estimated rate for a 40-year-old good driver using $500 deductibles is $1,198
  • Selecting more expensive low deductibles costs an additional $294 a year
  • Higher-risk drivers with serious driving violations could pay at least $2,584
  • An auto insurance policy with full coverage for a teen driver with full coverage can be $4,498

View Chart as Image

Volvo XC60 insurance cost comparison chart
Column chart showing Volvo XC60 insurance prices range from $694 to $4,498 for full coverage

Auto insurance prices for a Volvo XC60 also have a wide range based on the model of your XC60, your driving record, and deductibles and policy limits.

An older driver with a good driving record and high physical damage deductibles could pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will have to pay as much as $4,400 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you may be forking out at least $1,400 to $2,000 in extra premium annually, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 44% to 130% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $450 each year, while increasing your policy's liability limits will increase prices. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $349 extra every year. View Rates by Deductible or Liability Limit

Where you choose to live also has a big influence on Volvo XC60 insurance rates. A middle-age driver might find prices as low as $860 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,610 on average in Florida, Michigan, and New York.

Volvo XC60 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,080 -$118 -9.8%
Alaska $916 -$282 -23.5%
Arizona $994 -$204 -17.0%
Arkansas $1,198 -$0 0.0%
California $1,362 $164 13.7%
Colorado $1,140 -$58 -4.8%
Connecticut $1,226 $28 2.3%
Delaware $1,350 $152 12.7%
Florida $1,492 $294 24.5%
Georgia $1,104 -$94 -7.8%
Hawaii $860 -$338 -28.2%
Idaho $810 -$388 -32.4%
Illinois $890 -$308 -25.7%
Indiana $902 -$296 -24.7%
Iowa $806 -$392 -32.7%
Kansas $1,134 -$64 -5.3%
Kentucky $1,630 $432 36.1%
Louisiana $1,770 $572 47.7%
Maine $738 -$460 -38.4%
Maryland $988 -$210 -17.5%
Massachusetts $954 -$244 -20.4%
Michigan $2,076 $878 73.3%
Minnesota $1,000 -$198 -16.5%
Mississippi $1,430 $232 19.4%
Missouri $1,062 -$136 -11.4%
Montana $1,282 $84 7.0%
Nebraska $942 -$256 -21.4%
Nevada $1,434 $236 19.7%
New Hampshire $864 -$334 -27.9%
New Jersey $1,334 $136 11.4%
New Mexico $1,054 -$144 -12.0%
New York $1,258 $60 5.0%
North Carolina $688 -$510 -42.6%
North Dakota $978 -$220 -18.4%
Ohio $824 -$374 -31.2%
Oklahoma $1,226 $28 2.3%
Oregon $1,094 -$104 -8.7%
Pennsylvania $1,140 -$58 -4.8%
Rhode Island $1,592 $394 32.9%
South Carolina $1,084 -$114 -9.5%
South Dakota $1,008 -$190 -15.9%
Tennessee $1,044 -$154 -12.9%
Texas $1,440 $242 20.2%
Utah $884 -$314 -26.2%
Vermont $816 -$382 -31.9%
Virginia $716 -$482 -40.2%
Washington $920 -$278 -23.2%
West Virginia $1,096 -$102 -8.5%
Wisconsin $824 -$374 -31.2%
Wyoming $1,062 -$136 -11.4%

View Chart as Image

Volvo XC60 insurance rates by U.S. city

Insurance Rates by Trim Level and Model Year

Volvo XC60 Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Volvo XC60 3.2 2WD $1,130 $94
Volvo XC60 3.2 AWD $1,164 $97
Volvo XC60 T6 AWD AWD $1,230 $103
Volvo XC60 T6-R AWD AWD $1,264 $105

Rates assume 2018 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

Volvo XC60 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Volvo XC60 $320 $542 $332 $1,330
2023 Volvo XC60 $306 $536 $338 $1,316
2022 Volvo XC60 $296 $524 $354 $1,310
2021 Volvo XC60 $286 $502 $364 $1,288
2020 Volvo XC60 $270 $484 $376 $1,266
2019 Volvo XC60 $260 $450 $384 $1,230
2018 Volvo XC60 $250 $424 $388 $1,198
2017 Volvo XC60 $240 $380 $390 $1,146

Rates are averaged for all Volvo XC60 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Buy Affordable Volvo XC60 Insurance

Finding better rates on Volvo XC60 insurance consists of being a safe and courteous driver, having above-average credit, being claim-free, and possibly raising deductibles. Invest the time to compare rates at least once a year by obtaining price quotes from direct companies, and also from local exclusive and independent agents.

Below is a brief review of the primary concepts that were presented in the illustrations above.

  • You may be able to save up to $140 per year just by shopping early and online
  • High-risk drivers with DUI or reckless driving convictions may pay on average $1,390 more every year for auto insurance
  • Increasing policy deductibles could save up to $450 each year
  • Teenage drivers are expensive to insure, possibly costing $375 per month if full coverage is included

Rates by Driver Age

Volvo XC60 Insurance Rates by Driver Age
Driver Age Premium
16 $4,498
20 $2,748
30 $1,242
40 $1,198
50 $1,094
60 $1,074

Full coverage, $500 deductibles

Rates by Deductible

Volvo XC60 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,492
$250 $1,354
$500 $1,198
$1,000 $1,044

Full coverage, driver age 40

Rates by Liability Limit

Volvo XC60 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,198
50/100 $1,342
100/300 $1,439
250/500 $1,691
100 CSL $1,380
300 CSL $1,594
500 CSL $1,749

Full coverage, driver age 40

Rates for High Risk Drivers

Volvo XC60 Insurance Rates for High Risk Drivers
Age Premium
16 $6,410
20 $4,376
30 $2,634
40 $2,584
50 $2,464
60 $2,442

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 $166

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $64
Multi-vehicle $63
Homeowner $18
5-yr Accident Free $86
5-yr Claim Free $77
Paid in Full/EFT $53
Advance Quote $58
Online Quote $85
Total Discounts $504
Rate after discounts $694

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

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