Volvo XC60 Insurance Rates
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Michelle Robbins
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UPDATED: May 16, 2024
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The average auto insurance rates for a Volvo XC60 are $1,146 annually including full coverage. Comprehensive costs around $240, collision costs $380, and liability coverage costs $390. Liability-only coverage costs as little as $438 a year, with high-risk coverage costing around $2,468. 16-year-old drivers cost the most to insure at $4,330 a year or more.
Average premium for full coverage: $1,146
Policy rates for type of insurance:
Prices are based on $500 policy deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for all XC60 models.
Price Range Variability
Using a 40-year-old driver as an example, Volvo XC60 insurance rates go from as cheap as $438 for just the minimum liability insurance to the much higher price of $2,468 for a high-risk insurance policy.
Urban vs. Rural Price Range
Your location has a large influence on the price of insurance. Areas with sparse population are shown to have fewer comprehensive and collision claims than congested cities.
The example below illustrates how rural and urban location affects auto insurance rates.
The examples above highlight why everyone should compare rates for a specific zip code and their own personal driving habits, rather than using 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 breaks down estimated 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 every year
- The estimated rate for a good driver age 40 using $500 deductibles is $1,146
- Buying pricier low deductibles for comprehensive and collision insurance will cost $1,416
- High-risk insureds with multiple tickets or accidents could pay at least $2,468 or more
- Policy cost with full coverage for a teenage driver for full coverage can be $4,330 a year
Insurance rates for a Volvo XC60 also range considerably based on the model year and trim level, your driving characteristics, and deductibles and policy limits.
A more mature driver with no violations or accidents and high physical damage deductibles may only pay around $1,100 per year on average, or $92 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they should be prepared to pay as much as $4,300 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you are likely paying at least $1,400 to $1,900 additional every year, depending on your age. Volvo XC60 insurance for high-risk drivers can cost around 44% to 136% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could save up to $420 a year, whereas buying more liability protection will increase rates. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $351 more each year. View Rates by Deductible or Liability Limit
Your home state makes a big difference in Volvo XC60 insurance rates. A 40-year-old driver could pay as low as $880 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,630 on average in Michigan, New York, and Louisiana.
| 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% |
Because rates have so much variability, the best way to figure out your exact price is to regularly compare rates and see how they stack up. Every company utilizes a different rate formula, and rates will be varied between companies.
Insurance Rates by Trim Level and Model Year
| 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.
| 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 Affordable Volvo XC60 Insurance
Finding cheaper rates on auto insurance not only requires being a good driver, but also having good credit, paying for small claims out-of-pocket, and taking advantage of discounts. Set aside time to shop around at least every other year by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The following list is a brief review of the car insurance concepts raised in the charts and tables above.
- Drivers with DUI or reckless driving convictions may pay on average $1,320 more every year than a safer driver
- You may be able to save up to $140 per year simply by quoting online well ahead of the renewal date
- Increasing comprehensive and collision deductibles could save up to $400 each year
- Consumers who may need an increased level of liability coverage will pay around $430 per year to go from a 30/60 limit to higher 250/500 limits
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,416 |
| $250 | $1,290 |
| $500 | $1,146 |
| $1,000 | $1,004 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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