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.
U.S. average insurance rates for a Volvo S60 are $1,286 a year including full coverage. Comprehensive insurance costs an estimated $242, collision insurance costs $426, and liability coverage is $460. Liability-only insurance costs around $510 a year, and high-risk driver insurance costs $2,790 or more. 16-year-old drivers pay the highest rates at up to $4,956 a year.
Average premium for full coverage: $1,286
Price estimates broken down by individual coverage:
Includes $500 physical damage insurance deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 U.S. states and for all S60 models.
Price Range from Low to High
For a driver around age 40, Volvo S60 insurance prices range from the low end price of $510 for the bare minimum liability coverage to the much higher price of $2,790 for coverage for higher-risk drivers.
Geographic Price Range
Choosing to live in a large city has a large influence on the price of auto insurance. More rural locations have lower incidents of comprehensive and collision claims than congested cities. The example below illustrates the difference between rural and urban areas on insurance prices.
The ranges above highlight why everyone should compare rates quotes for a targeted area, rather than using 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 Information
The chart below breaks down average Volvo S60 insurance rates for other coverage scenarios.
- The best full coverage rate is $749
- Raising to $1,000 deductibles will save approximately $152 every year
- The estimated price for the average middle-age driver who has $500 deductibles is $1,286
- Buying pricier low deductibles will cost an additional $296 each year
- Unlucky drivers with multiple tickets or accidents could pay up to $2,790
- The price that insures a teenage driver for full coverage can cost as much as $4,956
Car insurance prices for a Volvo S60 are also quite variable based on the model of your S60, your driving record and age, and liability limits and deductibles.
If you have some driving violations or you caused an accident, you are likely paying $1,500 to $2,100 extra each year, depending on your age. Volvo S60 insurance for high-risk drivers is expensive and can cost around 42% to 130% more than the average rate. View High Risk Driver Rates
A more mature driver with no driving violations and higher comprehensive and collision deductibles may only pay around $1,200 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will be charged at least $4,900 a year. View Rates by Age
The state you live in also has a big influence on Volvo S60 insurance rates. A middle-age driver might find prices as low as $990 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,840 on average in Louisiana, New York, 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% |
Opting for high physical damage deductibles can reduce prices by up to $450 a year, whereas buying more liability protection will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $414 extra every 12 months. View Rates by Deductible or Liability Limit
| 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 the Cheapest Volvo S60 Insurance
Getting lower rates on auto insurance consists of being a low-risk driver, having a positive credit history, being claim-free, and possibly higher deductibles. Comparison shop at least once a year by getting rate quotes from direct car insurance companies, and also from your local car insurance providers.
The items below are a recap of the primary concepts that were covered above.
- You may be able to save approximately $150 per year just by quoting online well ahead of the renewal date
- Drivers that have major violations or accidents could be charged and average of $1,500 more annually to insure their S60
- Increasing physical damage deductibles can save approximately $450 each year
- Teen drivers have the highest car insurance prices, possibly costing $413 a month if full coverage is purchased
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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