Volvo XC60 Insurance Rates

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UPDATED: May 16, 2024

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U.S. average auto insurance rates for a Volvo XC60 are $1,146 annually for full coverage. Comprehensive costs on average $240, collision insurance costs $380, and liability insurance costs $390. Liability-only coverage costs as little as $438 a year, and high-risk coverage costs around $2,468. 16-year-old drivers pay the highest rates at up to $4,330 a year.

Average premium for full coverage: $1,146

Price estimates by individual coverage:

Comprehensive $240
Collision $380
Liability $390

Rates are based on $500 deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all states and for different XC60 trim levels.

Price Range from Low to High

Using a middle-aged driver as an example, Volvo XC60 insurance prices range from as cheap as $438 for just the minimum liability insurance to a much higher rate of $2,468 for a driver required to buy high-risk insurance.

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

Geographic Price Range

Your location has a significant impact on car insurance rates. Rural areas have fewer accident claims than congested cities. The price range example below illustrates how where you live affects car insurance rates.

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

The ranges above show why anyone shopping for car insurance should compare rates based on a specific location and their own personal driving habits, rather than relying 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 different risk profiles and scenarios.

  • The best full coverage rate is $668
  • Drivers who choose higher $1,000 deductibles will pay around $142 a year
  • The estimated rate for the average middle-age driver with $500 deductibles is $1,146
  • Buying more expensive low deductibles for comprehensive and collision insurance will cost $1,416
  • High risk drivers with multiple tickets or accidents could pay upwards of $2,468
  • The price with full coverage for a teen driver with full coverage may cost $4,330 a year

View Chart as Image

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

Auto insurance prices for a Volvo XC60 are also quite variable based on the trim level and model year, your driver profile, and policy deductibles and limits.

An older driver with a good driving record and high physical damage deductibles could pay as little as $1,100 per year on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will have to pay upwards of $4,300 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you could be paying at a minimum $1,400 to $1,900 in extra premium each year, depending on your age. High-risk driver insurance can cost anywhere from 44% to 136% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could save up to $420 each year, while increasing your policy's liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $351 extra every year. View Rates by Deductible or Liability Limit

The state you live in makes a big difference in Volvo XC60 insurance rates. 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

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 the Best Cheap Volvo XC60 Insurance

Getting lower rates on Volvo XC60 insurance not only requires not taking risks behind the wheel, but also having above-average credit, eliminating unnecessary coverage, and deciding if full coverage is necessary. Take the time to comparison shop at every policy renewal by getting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.

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

  • Drivers who require higher liability limits will pay around $430 each year to go from a low limit to higher 250/500 limits
  • Drivers can save as much as $140 per year just by shopping early and online
  • Increasing physical damage deductibles could save up to $400 each year
  • Teens are charged the highest prices, with premiums as much as $361 a month if full coverage is included

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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