Volvo XC60 Insurance Rates

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UPDATED: May 16, 2024

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Average insurance rates for a Volvo XC60 are $1,146 a year for full coverage. Comprehensive insurance costs around $240 each year, collision insurance costs $380, and liability costs $390. A liability-only policy costs as little as $438 a year, and high-risk insurance costs $2,468 or more. 16-year-old drivers receive the highest rates at up to $4,330 a year.

Average premium for full coverage: $1,146

Rate estimates for individual coverage type:

Comprehensive $240
Collision $380
Liability $390

Estimates include $500 deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Rates are averaged for all states and XC60 models.

Price Range by Coverage and Risk

Using a middle-aged driver as an example, prices range range from as low as $438 for just the minimum liability insurance to a high rate of $2,468 for a policy for a high-risk driver.

Liability Only $438
Full Coverage $1,146
High Risk $2,468

Price Range by Location

Your location can make a big difference on auto insurance rates. Areas with sparse population tend to have a lower frequency of accident claims than congested cities. The graphic below illustrates how where you live affects auto insurance rates.

Rural Areas $860
Small Cities $1,203
Large Cities $1,547

These examples show why all drivers should compare rates for a specific zip code and risk profile, instead of making a decision based on rate averages.

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 Analysis

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

  • The best full coverage rate is $668
  • Drivers who choose higher $1,000 deductibles will pay about $142 a year
  • The average rate for a 40-year-old driver using $500 deductibles is $1,146
  • Buying low deductibles for comprehensive and collision insurance will cost an extra $270 annually
  • Drivers with multiple tickets or accidents could pay at least $2,468
  • The cost for full coverage for a 16-year-old driver can be $4,330 a year

View Chart as Image

Volvo XC60 insurance cost comparison chart
Column chart showing Volvo XC60 insurance prices range from $668 to $4,330 for full coverage

Insurance rates for a Volvo XC60 can also vary considerably based on your driver profile, the trim level of your XC60, and deductibles and policy limits.

More mature drivers with a clean driving record and high deductibles may pay as low as $1,100 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers can expect to pay as much as $4,300 a year. View Rates by Age

Where you live makes a big difference in Volvo XC60 insurance prices. A 40-year-old driver could pay as low as $760 a year in states like Idaho, Maine, and Iowa, or at least $1,630 on average in Michigan, Louisiana, and New York.

Volvo XC60 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,036 -$110 -9.6%
Alaska $878 -$268 -23.4%
Arizona $948 -$198 -17.3%
Arkansas $1,146 -$0 0.0%
California $1,304 $158 13.8%
Colorado $1,092 -$54 -4.7%
Connecticut $1,176 $30 2.6%
Delaware $1,294 $148 12.9%
Florida $1,428 $282 24.6%
Georgia $1,058 -$88 -7.7%
Hawaii $822 -$324 -28.3%
Idaho $776 -$370 -32.3%
Illinois $852 -$294 -25.7%
Indiana $862 -$284 -24.8%
Iowa $772 -$374 -32.6%
Kansas $1,088 -$58 -5.1%
Kentucky $1,562 $416 36.3%
Louisiana $1,694 $548 47.8%
Maine $708 -$438 -38.2%
Maryland $946 -$200 -17.5%
Massachusetts $914 -$232 -20.2%
Michigan $1,988 $842 73.5%
Minnesota $960 -$186 -16.2%
Mississippi $1,370 $224 19.5%
Missouri $1,016 -$130 -11.3%
Montana $1,228 $82 7.2%
Nebraska $902 -$244 -21.3%
Nevada $1,372 $226 19.7%
New Hampshire $826 -$320 -27.9%
New Jersey $1,280 $134 11.7%
New Mexico $1,012 -$134 -11.7%
New York $1,206 $60 5.2%
North Carolina $660 -$486 -42.4%
North Dakota $938 -$208 -18.2%
Ohio $790 -$356 -31.1%
Oklahoma $1,176 $30 2.6%
Oregon $1,050 -$96 -8.4%
Pennsylvania $1,090 -$56 -4.9%
Rhode Island $1,526 $380 33.2%
South Carolina $1,038 -$108 -9.4%
South Dakota $966 -$180 -15.7%
Tennessee $1,002 -$144 -12.6%
Texas $1,380 $234 20.4%
Utah $846 -$300 -26.2%
Vermont $784 -$362 -31.6%
Virginia $686 -$460 -40.1%
Washington $884 -$262 -22.9%
West Virginia $1,050 -$96 -8.4%
Wisconsin $790 -$356 -31.1%
Wyoming $1,018 -$128 -11.2%

View Chart as Image

Volvo XC60 insurance rates by U.S. city

Opting for high physical damage deductibles could save up to $420 annually, whereas increasing liability limits will increase rates. Going from a 50/100 limit to a 250/500 limit will cost as much as $351 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at least $1,400 to $1,900 extra per year, depending on your age. Insurance for high-risk drivers can cost from 44% to 136% more than the average rate. View High Risk Driver Rates

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 $1,084 $90
Volvo XC60 3.2 AWD $1,114 $93
Volvo XC60 T6 AWD AWD $1,174 $98
Volvo XC60 T6-R AWD AWD $1,206 $101

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 $306 $536 $338 $1,316
2023 Volvo XC60 $296 $524 $354 $1,310
2022 Volvo XC60 $286 $502 $364 $1,288
2021 Volvo XC60 $270 $484 $376 $1,266
2020 Volvo XC60 $260 $450 $384 $1,230
2019 Volvo XC60 $250 $424 $388 $1,198
2018 Volvo XC60 $240 $380 $390 $1,146
2017 Volvo XC60 $224 $350 $390 $1,100

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 Find Low Cost Volvo XC60 Insurance

Saving money on insurance for a Volvo XC60 not only requires not taking risks behind the wheel, but also maintaining good credit, eliminating unneeded coverage, and dropping full coverage on older vehicles. Take the time to comparison shop every year by quoting rates from direct carriers like GEICO and Progressive, and also from local insurance agents.

The following is a review of the coverage data touched on in the above illustrations.

  • Drivers can save up to $140 per year just by quoting online in advance
  • Increasing deductibles can save around $400 each year
  • Teens pay higher rates, costing as high as $361 per month for full coverage
  • Drivers considered higher risk who have several accidents or serious violations may be required to pay an average of $1,320 more every year for XC60 insurance

Rates by Driver Age

Volvo XC60 Insurance Rates by Driver Age
Driver Age Premium
16 $4,330
20 $2,620
30 $1,186
40 $1,146
50 $1,046
60 $1,026

Full coverage, $500 deductibles

Rates by Deductible

Volvo XC60 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,416
$250 $1,290
$500 $1,146
$1,000 $1,004

Full coverage, driver age 40

Rates by Liability Limit

Volvo XC60 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,146
50/100 $1,284
100/300 $1,382
250/500 $1,635
100 CSL $1,323
300 CSL $1,538
500 CSL $1,694

Full coverage, driver age 40

Rates for High Risk Drivers

Volvo XC60 Insurance Rates for High Risk Drivers
Age Premium
16 $6,162
20 $4,174
30 $2,516
40 $2,468
50 $2,356
60 $2,332

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 $157

Potential Rate Discounts

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

Discount Savings
Multi-policy $61
Multi-vehicle $60
Homeowner $18
5-yr Accident Free $80
5-yr Claim Free $74
Paid in Full/EFT $49
Advance Quote $55
Online Quote $81
Total Discounts $478
Rate after discounts $668

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

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