Volvo XC60 Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
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 $1,146 a year for full coverage insurance. Comprehensive costs on average $240, collision insurance costs $380, and liability coverage costs around $390. Liability-only insurance costs as low as $438 a year, and high-risk driver insurance costs around $2,468. 16-year-old drivers pay the most at up to $4,330 a year.
Average premium for full coverage: $1,146
Premium estimates by type of coverage:
Price estimates include $500 deductible amounts, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 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 the low end price of $438 for the bare minimum liability coverage to a much higher rate of $2,468 for coverage for higher-risk drivers.
Insurance Price Range by Location
Where you live has a large influence on insurance rates. Rural areas are statistically proven to have lower incidents of physical damage claims than congested cities. The price range example below illustrates how geographic area affects car insurance rates.
These rate differences illustrate why anyone shopping for car insurance should compare prices based on a specific location, 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 Information
The chart below illustrates average Volvo XC60 insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $668
- Using higher $1,000 deductibles will save around $142 each year
- The estimated price for a 40-year-old good driver with $500 deductibles is $1,146
- Buying more expensive low deductibles for physical damage coverage bumps up the cost to $1,416
- Higher-risk drivers with multiple tickets or accidents could pay upwards of $2,468
- An auto insurance policy that insures a teenage driver with full coverage may cost $4,330 or more
Insurance prices for a Volvo XC60 also have a wide range based on the model year and trim level, your age and driving record, and policy deductibles and limits.
If you have a few violations or you caused an accident, you are probably paying at a minimum $1,400 to $1,900 additional annually, depending on your age. High-risk driver insurance can be around 44% to 136% more than the average rate. View High Risk Driver Rates
An older driver with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,100 a year, or $92 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records should be prepared to pay upwards of $4,300 a year. View Rates by Age
Where you choose to live has a huge impact on Volvo XC60 insurance rates. A driver around age 40 might see prices as low as $750 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,550 on average in Michigan, New York, and Florida.
| 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% |
Opting for high physical damage deductibles could cut prices by as much as $420 a year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $351 more each year. View Rates by Deductible or Liability Limit
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 Find Cheaper Volvo XC60 Insurance
Finding better rates on auto insurance requires having a good driving record, having a good credit score, paying for small claims out-of-pocket, and dropping full coverage on older vehicles. Comparison shop at least once a year by requesting rates from direct insurance companies, and also from your local independent and exclusive agents.
The next list is a condensed summary of the primary concepts that were presented in the illustrations above.
- It is possible to save as much as $140 per year just by shopping early and online
- Drivers with multiple at-fault accidents may pay on average $1,320 more each year to buy Volvo XC60 insurance
- Increasing policy deductibles can save approximately $400 each year
- Drivers age 20 and younger pay higher prices, with premiums being up to $361 per month if comprehensive and collision insurance is included
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.
Compare Rates and Save
Find companies with the cheapest rates in your area
Secured with SHA-256 Encryption
