Volvo XC60 Insurance Rates
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UPDATED: May 16, 2024
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Estimated insurance rates for a Volvo XC60 are $1,198 a year with full coverage. Comprehensive insurance costs approximately $250, collision insurance costs $424, and liability is estimated at $388. A policy with only liability insurance costs approximately $434 a year, and a high-risk policy costs $2,584 or more. Teen drivers pay the most at up to $4,498 a year.
Average premium for full coverage: $1,198
Premium estimates by type of coverage:
Prices include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all U.S. states and for all XC60 models.
Insurance Price Range by Risk and Coverage
For the normal driver, insurance rates for a Volvo XC60 range from the low end price of $434 for basic liability insurance to the much higher price of $2,584 for coverage for higher-risk drivers.
Insurance Price Range by Location
Living in a larger city can make a big difference on the price of insurance. Rural locations are statistically proven to have lower incidents of collision claims than larger metro areas. The example below illustrates how geographic area affects auto insurance prices.
These rate differences demonstrate why everyone should get quotes using their specific location, instead of making a decision based on price 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.
Rate Comparisons
The chart below details average Volvo XC60 insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $694
- Choosing higher $1,000 deductibles can save $154 annually
- The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,198
- Choosing pricier low deductibles for comp and collision coverage will cost an additional $294 annually
- Higher-risk drivers with multiple violations and an at-fault accident could pay around $2,584
- An auto insurance policy that insures a 16-year-old driver for full coverage can cost $4,498 each year
Car insurance prices for a Volvo XC60 also have a wide range based on the model of your XC60, your age and driving habits, and physical damage deductibles and liability limits.
If you have a few violations or you caused an accident, you may be forking out anywhere from $1,400 to $2,000 extra annually, depending on your age. Volvo XC60 insurance for high-risk drivers ranges from 44% to 130% more than average. View High Risk Driver Rates
A more mature driver with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,100 annually on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will be charged in the ballpark of $4,400 a year. View Rates by Age
Where you choose to live plays a big part in determining prices for Volvo XC60 insurance prices. A good driver about age 40 could pay as low as $860 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,610 on average in New York, Michigan, and Florida.
| 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 high deductibles can save as much as $450 annually, whereas buying more liability protection will push prices upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $349 extra every 12 months. 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 | $1,130 | $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 takes avoiding accidents and violations, having a positive credit history, being claim-free, and attention to physical damage deductibles. Shop around at least once a year by getting rate quotes from direct companies, and also from local insurance agencies.
The list below is a quick rundown of the primary concepts that were presented in the illustrations above.
- You may be able to save around $140 per year just by quoting online well ahead of the renewal date
- Drivers considered higher risk with reckless driving or DUI convictions may have to pay on average $1,390 more per year for car insurance
- Increasing policy deductibles can save approximately $450 each year
- Teenagers pay the highest auto insurance prices, possibly costing $375 per month if full coverage is purchased
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.
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