Volvo XC60 Insurance Rates

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UPDATED: May 16, 2024

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Average auto insurance rates for a Volvo XC60 are $1,146 annually for full coverage. Comprehensive insurance costs approximately $240 each year, collision insurance costs $380, and liability coverage costs around $390. Buying just liability costs as low as $438 a year, and insurance for high-risk drivers costs $2,468 or more. Teens receive the highest rates at up to $4,330 a year.

Average premium for full coverage: $1,146

Rate estimates by individual coverage type:

Comprehensive $240
Collision $380
Liability $390

These estimates include $500 physical damage deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all states and XC60 models.

Price Range by Coverage and Risk

For a driver in their 40's, prices range range from as cheap as $438 for the bare minimum liability coverage to a high rate of $2,468 for a high-risk driver policy.

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

Price Range by Location

Where you live has a large influence on car insurance rates. Rural locations tend to have fewer accident claims than cities with more traffic congestion. The graphic below illustrates how location helps determine auto insurance prices.

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

These examples show why all drivers should compare prices using their specific location and their own personal driving habits, 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.

Additional Rate Information

The chart below shows average Volvo XC60 insurance rates for additional coverage and risk scenarios.

  • The cheapest rate after discounts is $668
  • Using higher $1,000 deductibles will save $142 a year
  • The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,146
  • Selecting low deductibles for physical damage coverage costs an additional $270 each year
  • Higher-risk drivers with serious driving violations could pay around $2,468
  • The cost with full coverage for a teenage driver can cost $4,330 or more

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

Auto insurance rates for a Volvo XC60 can also vary considerably based on the trim level of your XC60, your driver profile, and physical damage deductibles and liability limits.

More mature drivers with a good driving record and high physical damage deductibles may only pay around $1,100 a year for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will have to pay in the ballpark of $4,300 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you could be paying anywhere from $1,400 to $1,900 in extra premium per year, depending on your age. Insurance for high-risk drivers can be around 44% to 136% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $420 a year, whereas increasing liability limits will push rates upward. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $351 extra every year. View Rates by Deductible or Liability Limit

Where you live has a huge impact on Volvo XC60 insurance rates. A driver around age 40 might see rates as low as $760 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,630 on average in New York, Louisiana, and Michigan.

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

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 Buy Cheap Volvo XC60 Insurance

Saving money on auto insurance requires being a safe and courteous driver, having above-average credit, eliminating unneeded coverage, and possibly higher deductibles. Invest time comparing rates every time your policy renews by requesting quotes from direct carriers like Progressive and GEICO, and also from several local insurance agents.

Below is a brief summary of the information covered in the charts and tables above.

  • Drivers can save around $140 per year just by quoting online in advance
  • Teenage drivers have the highest car insurance rates, costing as high as $361 per month if full coverage is included
  • Increasing deductibles could save up to $400 each year
  • Drivers that tend to have accidents or serious violations pay on average $1,320 more per year for auto insurance
  • Consumers who purchase higher levels of liability will pay approximately $430 each year to increase from a minimum limit to higher 250/500 limits

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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