Volvo S60 Insurance Rates
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UPDATED: Jun 1, 2024
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Are you searching for cheap Volvo S60 car insurance? The average Volvo S60 insurance rates are $131 per month or $1,580 a year. However, many factors impact your Volvo insurance costs, like your age and driving record.
Even the age of your model can affect your insurance premiums. For example, the 2004 Volvo S60 insurance costs will be much lower than the 2013 Volvo S60 insurance costs.
Read our guide to learn what drivers can do to save on the cost of insuring a Volvo S60 and secure cheap car insurance.
Ready to start shopping around for Volvo S60 insurance rates? Enter your five-digit ZIP code in our FREE quote comparison tool to get started.
Estimated insurance rates for a Volvo S60 are $1,286 a year for full coverage. Comprehensive insurance costs approximately $242 each year, collision costs $426, and liability is $460. Liability-only insurance costs around $510 a year, with high-risk driver insurance costing $2,790 or more. Teen drivers pay the most at $4,956 a year or more.
Average premium for full coverage: $1,286
Premium estimates by type of coverage:
Prices are based on $500 policy deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all states and S60 models.
Insurance Price Range by Risk and Coverage
Using a 40-year-old driver as an example, insurance rates for a Volvo S60 go from as low as $510 for a discount liability-only rate to a high rate of $2,790 for a high-risk insurance policy.
Insurance Price Range by Location
Choosing to live in a large city can make a big difference on car insurance rates. Rural locations are statistically proven to have a lower frequency of accident claims than larger metro areas.
The graphic below illustrates how rural and urban location affects auto insurance prices.
These rate differences show why all drivers should compare rates quotes using their specific location and risk profile, 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.
Rates by State, City, and Model
The chart below shows estimated Volvo S60 insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $749
- Raising to $1,000 deductibles will save $152 a year
- The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,286
- Choosing low deductibles will cost an extra $296 annually
- Drivers with multiple violations and an at-fault accident could pay around $2,790 or more
- An auto insurance policy for full coverage for a 16-year-old driver can cost $4,956
Insurance prices for a Volvo S60 also have a wide range based on your driving characteristics, the trim level of your S60, and physical damage deductibles and liability limits.
More mature drivers with no violations or accidents and high deductibles may pay as low as $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers should be prepared to pay in the ballpark of $4,900 a year. View Rates by Age
Where you choose to live also has a big influence on Volvo S60 insurance prices. A middle-age driver might find prices as low as $850 a year in states like Iowa, Maine, and Idaho, or as much as $1,840 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,164 | -$122 | -9.5% |
| Alaska | $986 | -$300 | -23.3% |
| Arizona | $1,068 | -$218 | -17.0% |
| Arkansas | $1,286 | -$0 | 0.0% |
| California | $1,466 | $180 | 14.0% |
| Colorado | $1,230 | -$56 | -4.4% |
| Connecticut | $1,322 | $36 | 2.8% |
| Delaware | $1,456 | $170 | 13.2% |
| Florida | $1,608 | $322 | 25.0% |
| Georgia | $1,188 | -$98 | -7.6% |
| Hawaii | $924 | -$362 | -28.1% |
| Idaho | $870 | -$416 | -32.3% |
| Illinois | $958 | -$328 | -25.5% |
| Indiana | $968 | -$318 | -24.7% |
| Iowa | $868 | -$418 | -32.5% |
| Kansas | $1,222 | -$64 | -5.0% |
| Kentucky | $1,756 | $470 | 36.5% |
| Louisiana | $1,904 | $618 | 48.1% |
| Maine | $794 | -$492 | -38.3% |
| Maryland | $1,062 | -$224 | -17.4% |
| Massachusetts | $1,030 | -$256 | -19.9% |
| Michigan | $2,234 | $948 | 73.7% |
| Minnesota | $1,076 | -$210 | -16.3% |
| Mississippi | $1,540 | $254 | 19.8% |
| Missouri | $1,140 | -$146 | -11.4% |
| Montana | $1,382 | $96 | 7.5% |
| Nebraska | $1,014 | -$272 | -21.2% |
| Nevada | $1,544 | $258 | 20.1% |
| New Hampshire | $928 | -$358 | -27.8% |
| New Jersey | $1,438 | $152 | 11.8% |
| New Mexico | $1,140 | -$146 | -11.4% |
| New York | $1,354 | $68 | 5.3% |
| North Carolina | $742 | -$544 | -42.3% |
| North Dakota | $1,052 | -$234 | -18.2% |
| Ohio | $888 | -$398 | -30.9% |
| Oklahoma | $1,322 | $36 | 2.8% |
| Oregon | $1,178 | -$108 | -8.4% |
| Pennsylvania | $1,226 | -$60 | -4.7% |
| Rhode Island | $1,716 | $430 | 33.4% |
| South Carolina | $1,164 | -$122 | -9.5% |
| South Dakota | $1,086 | -$200 | -15.6% |
| Tennessee | $1,128 | -$158 | -12.3% |
| Texas | $1,552 | $266 | 20.7% |
| Utah | $952 | -$334 | -26.0% |
| Vermont | $882 | -$404 | -31.4% |
| Virginia | $770 | -$516 | -40.1% |
| Washington | $996 | -$290 | -22.6% |
| West Virginia | $1,178 | -$108 | -8.4% |
| Wisconsin | $892 | -$394 | -30.6% |
| Wyoming | $1,148 | -$138 | -10.7% |
Choosing high deductibles can reduce prices by up to $450 annually, whereas increasing liability limits will push prices upward. Going from a 50/100 limit to a 250/500 limit will cost up to $414 more each year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you could be paying anywhere from $1,500 to $2,100 additional annually, depending on your age. Insurance for high-risk drivers is expensive and can cost from 42% to 130% more than average. View High Risk Driver Rates
With such a large range in prices, the only way to know who has the cheapest car insurance prices is to do a rate comparison from multiple companies. Every auto insurance company uses a different rate calculation, and prices will be substantially different from one company to the next.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Volvo S60 | $332 | $656 | $398 | $1,544 |
| 2023 Volvo S60 | $320 | $640 | $416 | $1,534 |
| 2022 Volvo S60 | $310 | $612 | $430 | $1,510 |
| 2021 Volvo S60 | $292 | $592 | $442 | $1,484 |
| 2020 Volvo S60 | $282 | $548 | $452 | $1,440 |
| 2019 Volvo S60 | $270 | $516 | $456 | $1,400 |
| 2018 Volvo S60 | $258 | $464 | $460 | $1,340 |
| 2017 Volvo S60 | $242 | $426 | $460 | $1,286 |
| 2016 Volvo S60 | $234 | $400 | $464 | $1,256 |
| 2012 Volvo S60 | $192 | $288 | $474 | $1,112 |
| 2007 Volvo S60 | $154 | $208 | $446 | $966 |
| 2006 Volvo S60 | $150 | $198 | $442 | $948 |
Rates are averaged for all Volvo S60 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 Affordable Volvo S60 Insurance
Finding better rates on insurance for a Volvo S60 consists of being safe and accident-free, having a good credit history, not filing small claims, and qualifying for all possible discounts. Set aside time to shop around at least every other year by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
Below you'll find a brief review of the car insurance concepts raised in the charts and tables above.
- Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,500 more per year than a low-risk driver
- Drivers can save around $150 per year simply by quoting online in advance
- Increasing policy deductibles can save around $450 each year
- Insureds who purchase more liability protection will pay about $510 each year to raise from 30/60 bodily injury limits to 250/500 limits
So, is insurance on a Volvo expensive? As you’ve learned from the information above, the Volvo S60 average insurance costs depend on many different factors. The slightly older 2012 Volvo S60 insurance costs will be lower than insuring a newer 2020 model.
Ready to start shopping to find the cheapest Volvo S60 rates? Whether you are shopping for Volvo G60 insurance or just Volvo insurance costs, enter your ZIP code in our FREE tool below to get started.
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What are the safety ratings of the Volvo S60?
Good Volvo S60 safety ratings can help drivers save on car insurance. The Volvo S60 has some good safety features, such as a blind-spot monitor, auto-leveling headlights, lane departure warning, and lane-keeping assist.
The 2020 Volvo S60 also won the Insurance Institute for Highway Safety’s 2020 Top Safety Pick award because of the following crash test ratings:
- Small overlap front (driver-side): Good
- Small overlap front (passenger-side): Good
- Moderate overlap front: Good
- Side: Good
- Roof strength: Good
- Head restraints and seats: Good
The good news is that these perfect safety ratings will help keep your Volvo S60 insurance rates low.
You may be wondering, if the Volvo S60 is so safe, then why are Volvos so expensive to insure? Despite the phenomenal safety ratings, the maintenance costs for this car also impact your insurance rates.
Volvo is a luxury car brand. Luxury vehicles usually cost more to fix and maintain. To make up for those extra expenses, insurance companies often charge higher than average premiums for these types of cars.
The Volvo S60 maintenance costs can rise above $700 annually, which is a little higher than average and may cause your premiums to go up. Many consumers who drive a luxury car also purchase fuller coverage insurance policies to protect their assets, which will also lead to higher premiums.
Volvo S60 Compared Against Other Vehicles in the Same Class
Comparing the Volvo S60 to similar vehicles can help you save money, especially if the Volvo S60 has better insurance loss ratios than other vehicles in its class. Officially, the Insurance Information Institute classifies the Volvo S60 as a midsize luxury car.
Take a look at the list below to see how other midsize luxury cars’ rates compare to the Volvo S60.
Fortunately, the property damage, comprehensive, and personal injury liability insurance losses for the Volvo S60 are better than average at -21 percent, – 24 percent, and -23 percent respectively in comparison to other midsize luxury cars.
You’re now an expert on Volvo S60 insurance rates. To review, why is Volvo insurance so expensive? High insurance premiums have more to do with the driver than the car, maintaining a clean driving record and comparison shopping will always help you secure your cheapest insurance rates.
Now you’re ready to start shopping for cheap Volvo S60 insurance rates, just enter your five-digit ZIP code in our FREE quote comparison tool to get started.
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,956 |
| 20 | $2,972 |
| 30 | $1,330 |
| 40 | $1,286 |
| 50 | $1,178 |
| 60 | $1,154 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,582 |
| $250 | $1,444 |
| $500 | $1,286 |
| $1,000 | $1,134 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,286 |
| 50/100 | $1,378 |
| 100/300 | $1,493 |
| 250/500 | $1,792 |
| 100 CSL | $1,424 |
| 300 CSL | $1,677 |
| 500 CSL | $1,861 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,044 |
| 20 | $4,740 |
| 30 | $2,838 |
| 40 | $2,790 |
| 50 | $2,666 |
| 60 | $2,642 |
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 | $68 |
| Multi-vehicle | $69 |
| Homeowner | $20 |
| 5-yr Accident Free | $90 |
| 5-yr Claim Free | $83 |
| Paid in Full/EFT | $55 |
| Advance Quote | $62 |
| Online Quote | $90 |
| Total Discounts | $537 |
Discounts are estimated and may not be available from every company or in every state.
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