Volvo XC60 Insurance Rates
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UPDATED: May 16, 2024
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Estimated insurance prices for a Volvo XC60 are $1,198 every 12 months including full coverage. Comprehensive costs around $250 each year, collision costs $424, and liability insurance costs around $388. Liability-only coverage costs as low as $434 a year, with high-risk coverage costing around $2,584. Teen drivers pay the most at $4,498 a year or more.
Average premium for full coverage: $1,198
Premium estimates for type of coverage:
Full coverage includes $500 physical damage insurance deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all 50 U.S. states and XC60 models.
Insurance Price Range by Risk and Coverage
For the average driver, insurance rates for a Volvo XC60 go from the cheapest price of $434 for a discount liability-only rate to a high rate of $2,584 for high-risk insurance.
Insurance Price Range by Location
Where you live has a significant impact on the price of insurance. Areas with sparse population are statistically proven to have more infrequent comprehensive and collision claims than larger metro areas.
The graphic below illustrates how location impacts auto insurance rates.
These rate differences highlight why all drivers should compare prices for a specific zip code and their own driving history, rather than relying 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.
Rates by State, City, and Model
The chart below breaks down estimated Volvo XC60 insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $694
- Using higher $1,000 deductibles will save about $154 every year
- The average price for a 40-year-old good driver using $500 deductibles is $1,198
- Choosing low deductibles for physical damage coverage increases the price to $1,492
- Drivers with multiple violations and an at-fault accident could pay at least $2,584 or more
- An auto insurance policy to insure a teen driver can be $4,498 or more
Insurance prices for a Volvo XC60 also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the trim level and model year.
Choosing high deductibles could cut prices by as much as $450 each year, whereas increasing liability limits will increase prices. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $349 more per year. View Rates by Deductible or Liability Limit
More mature drivers with a clean driving record and higher deductibles could pay as little as $1,100 a year, or $92 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers can expect to pay as much as $4,400 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you are likely paying at least $1,400 to $2,000 extra annually, depending on your age. Insurance for high-risk drivers can be anywhere from 44% to 130% more than average. View High Risk Driver Rates
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 $920 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,710 on average in Michigan, New York, and Louisiana.
| 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% |
With such a large range in prices, the best way to figure out your exact price is to do a rate comparison from as many companies as possible. Each insurance company uses a different rate calculation, so the prices will be substantially different.
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 Shop for More Affordable Volvo XC60 Insurance
Finding better rates on Volvo XC60 insurance requires being a low-risk driver, having good credit, refrain from filing small claims, and insuring your home and auto with the same company. Spend time shopping around every couple of years by quoting rates from direct car insurance companies, and also from insurance agencies where you live.
The items below are a summary of the material that was touched on above.
- Drivers who may need more liability coverage will pay about $430 per year to increase from 30/60 bodily injury limits to a 250/500 level
- Teen drivers pay higher prices, with the cost nearing $375 per month if they have full coverage
- High-risk drivers who have multiple accidents or major violations could be forced to pay on average $1,390 more every year to insure their XC60
- Increasing policy deductibles could save as much as $450 each year
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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