Volvo XC60 Insurance Rates
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Michelle Robbins
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UPDATED: May 16, 2024
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U.S. average insurance prices for a Volvo XC60 are $1,146 every 12 months with full coverage. Comprehensive costs an estimated $240, collision costs $380, and liability costs $390. Buying just liability costs as little as $438 a year, with insurance for high-risk drivers costing around $2,468. Teenage drivers pay the highest rates at $4,330 a year or more.
Average premium for full coverage: $1,146
Price estimates broken down by individual coverage:
Full coverage includes $500 policy deductibles, liability limits of 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all U.S. 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 go from the cheapest price of $438 for just liability insurance to a much higher rate of $2,468 for a driver that may need high-risk insurance.
Geographic Price Range
Your location can make a big difference on car insurance rates. More rural locations have more infrequent collision claims than densely populated cities.
The price range example below illustrates how where you live affects insurance prices.
The ranges above demonstrate why anyone shopping for car insurance should compare rates for a targeted area and their own driving history, instead of making a decision based on average rates.
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.
More Rate Details
The chart below details estimated Volvo XC60 insurance rates for other coverage scenarios.
- The best discount rate is $668
- Drivers who choose higher $1,000 deductibles will pay approximately $142 annually
- The average price for the average middle-age driver who has $500 deductibles is $1,146
- Using more expensive low deductibles for comprehensive and collision insurance increases the price to $1,416
- Drivers who are prone to accidents and violations could pay up to $2,468 or more
- The price to insure a 16-year-old driver with full coverage can cost as much as $4,330 a year
Insurance prices for a Volvo XC60 are also quite variable based on deductibles and policy limits, your driving record, and the model year and trim level.
Using high physical damage deductibles could save up to $420 annually, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $351 more each year. View Rates by Deductible or Liability Limit
An older driver with no violations or accidents and higher deductibles may pay as low as $1,100 per year on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers should be prepared to pay at least $4,300 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you may be forking out $1,400 to $1,900 additional each year, depending on your age. High-risk driver insurance can cost from 44% to 136% more than a normal policy. View High Risk Driver Rates
The state you live in makes a big difference in Volvo XC60 insurance prices. A 40-year-old driver could pay as low as $830 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,550 on average in New York, Michigan, 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% |
Since prices can be so different, the best way to find out which car insurance is cheapest is to compare prices from multiple companies. Every company uses a different method to calculate prices, and prices may be quite different.
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 Shop for More Affordable Volvo XC60 Insurance
Getting lower rates on insurance for a Volvo XC60 not only requires being a good driver, but also having above-average credit, avoid buying unnecessary coverage, and maximizing policy discounts. Take the time to comparison shop once a year by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The following list is a summary of the data that was touched on in the above illustrations.
- You may be able to save approximately $140 per year simply by shopping early and online
- Insureds who want an increased level of liability coverage will pay an extra $430 every year to go from a low limit to a 250/500 level
- Drivers age 16 to 20 are expensive to insure, costing up to $361 a month if full coverage is included
- Drivers considered higher risk who have multiple accidents or major violations may pay on average $1,320 more annually than a safer driver
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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