Volvo XC60 Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: May 16, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
Estimated insurance rates for a Volvo XC60 are $1,198 a year for full coverage insurance. Comprehensive insurance costs an estimated $250 a year, collision costs $424, and liability costs around $388. Liability-only coverage costs as low as $434 a year, with high-risk coverage costing $2,584 or more. Teens pay the most at $4,498 a year or more.
Average premium for full coverage: $1,198
Premium estimates broken down by type of coverage:
Prices include $500 deductibles, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 states and XC60 trim levels.
Insurance Price Range by Risk and Coverage
For the average driver, insurance rates for a Volvo XC60 go from as low as $434 for your basic liability-only policy to a high of $2,584 for a driver who has had serious violations or accidents.
Insurance Price Range by Location
Where you live can make a big difference on the price of insurance. More rural locations are statistically proven to have a lower frequency of physical damage claims than cities with more traffic congestion.
The diagram below illustrates how location impacts insurance prices.
These rate differences illustrate why it is important to compare prices for a targeted area and risk profile, instead of making a decision based 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.
More Rate Information
The chart below illustrates estimated Volvo XC60 insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $694
- Using higher $1,000 deductibles will save approximately $1,044 each year
- The average rate for a 40-year-old good driver who has $500 deductibles is $1,198
- Selecting low $100 deductibles for physical damage coverage will cost an extra $294 annually
- High-risk insureds with serious driving violations could pay up to $2,584 or more
- An auto insurance policy for full coverage for a 16-year-old driver can cost as much as $4,498 or more
Insurance prices for a Volvo XC60 also have a wide range based on your driving characteristics, the model year and trim level, and liability limits and deductibles.
Older drivers with a clean driving record and high deductibles may pay as low as $1,100 a year, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers can expect to pay at least $4,400 a year. View Rates by Age
Where you choose to live has a huge impact on Volvo XC60 insurance prices. A driver around age 40 might see prices as low as $780 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,610 on average in Florida, New York, and Michigan.
| 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% |
Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $450 annually, while buying higher liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will cost up to $349 more per year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you are probably paying $1,400 to $2,000 extra annually, depending on your age. A high-risk auto insurance policy can be from 44% to 130% more than the average policy. View High Risk Driver Rates
With such a large range in prices, the only way to figure out which insurance company is cheapest is to get quotes from multiple companies. Each insurance company calculates prices differently, so the prices will be substantially different from one company to the next.
Insurance Rates by Trim Level and Model Year
| 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.
| 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 Find the Right Volvo XC60 Insurance
Finding better rates on insurance for a Volvo XC60 requires not taking risks behind the wheel, maintaining good credit, paying for small claims out-of-pocket, and taking advantage of discounts. Spend time shopping around every other policy renewal by quoting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The following is a quick rundown of the ideas that were touched on above.
- Teens are charged the highest prices, with premiums being up to $375 per month for full coverage
- Drivers considered higher risk with reckless driving or DUI convictions pay on average $1,390 more annually for XC60 insurance
- Increasing policy deductibles can save around $450 each year
- It is possible to save approximately $140 per year simply by quoting early and online
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,492 |
| $250 | $1,354 |
| $500 | $1,198 |
| $1,000 | $1,044 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
Compare Rates and Save
Find companies with the cheapest rates in your area
Secured with SHA-256 Encryption
