Volvo S60 Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
UPDATED: Jun 3, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
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.
The average insurance prices for a Volvo S60 are $996 every 12 months including full coverage. Comprehensive insurance costs an estimated $168 a year, collision insurance costs $218, and liability is estimated at $452. Liability-only insurance costs approximately $504 a year, and high-risk driver insurance costs $2,140 or more. Teen drivers cost the most to insure at up to $3,992 a year.
Average premium for full coverage: $996
Policy rates broken down by type of insurance:
Prices are based on $500 deductible amounts, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 U.S. states and S60 trim levels.
Price Range Variability
Using a middle-aged driver as an example, Volvo S60 insurance rates range from the cheapest price of $504 for minimum levels of liability insurance to a high of $2,140 for coverage for higher-risk drivers.
Urban vs. Rural Price Range
Living in a larger city can have significant affects on the price of auto insurance. More rural locations are shown to have more infrequent comprehensive and collision claims than larger metro areas. The diagram below illustrates how where you live affects insurance prices.
The examples above highlight why it is important to get quotes for a targeted area and their own driving history, instead of using 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.
Additional Rate Details
The chart below breaks down average Volvo S60 insurance rates for other coverage scenarios.
- The lowest rate with discounts is $607
- Choosing higher $1,000 deductibles can save approximately $908 every year
- The average price for a good driver age 40 who has $500 deductibles is $996
- Choosing low $100 deductibles for comp and collision coverage costs an extra $170 every year
- Unlucky drivers with multiple violations and an at-fault accident could pay up to $2,140
- Policy cost to insure a teen driver can cost as much as $3,992 each year
Auto insurance rates for a Volvo S60 also range considerably based on liability limits and deductibles, your driving characteristics, and the model year and trim level.
Choosing high deductibles can save as much as $260 every year, while buying higher liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $407 extra every year. View Rates by Deductible or Liability Limit
Older drivers with a good driving record and higher deductibles may pay as little as $900 annually on average, or $75 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will have to pay at least $3,900 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you are likely paying $1,200 to $1,700 in extra premium every year, depending on your age. A high-risk auto insurance policy ranges as much as 43% to 134% more than average. View High Risk Driver Rates
Your home state plays a big part in determining prices for Volvo S60 insurance prices. A good driver about age 40 could pay as low as $770 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,420 on average in Louisiana, New York, and Michigan.
State | Premium | Compared to U.S. Avg | Percent Difference |
---|---|---|---|
Alabama | $902 | -$94 | -9.4% |
Alaska | $766 | -$230 | -23.1% |
Arizona | $828 | -$168 | -16.9% |
Arkansas | $996 | -$0 | 0.0% |
California | $1,136 | $140 | 14.1% |
Colorado | $952 | -$44 | -4.4% |
Connecticut | $1,026 | $30 | 3.0% |
Delaware | $1,128 | $132 | 13.3% |
Florida | $1,248 | $252 | 25.3% |
Georgia | $920 | -$76 | -7.6% |
Hawaii | $716 | -$280 | -28.1% |
Idaho | $674 | -$322 | -32.3% |
Illinois | $742 | -$254 | -25.5% |
Indiana | $750 | -$246 | -24.7% |
Iowa | $672 | -$324 | -32.5% |
Kansas | $948 | -$48 | -4.8% |
Kentucky | $1,360 | $364 | 36.5% |
Louisiana | $1,476 | $480 | 48.2% |
Maine | $614 | -$382 | -38.4% |
Maryland | $822 | -$174 | -17.5% |
Massachusetts | $796 | -$200 | -20.1% |
Michigan | $1,732 | $736 | 73.9% |
Minnesota | $834 | -$162 | -16.3% |
Mississippi | $1,194 | $198 | 19.9% |
Missouri | $884 | -$112 | -11.2% |
Montana | $1,070 | $74 | 7.4% |
Nebraska | $786 | -$210 | -21.1% |
Nevada | $1,196 | $200 | 20.1% |
New Hampshire | $720 | -$276 | -27.7% |
New Jersey | $1,114 | $118 | 11.8% |
New Mexico | $884 | -$112 | -11.2% |
New York | $1,050 | $54 | 5.4% |
North Carolina | $576 | -$420 | -42.2% |
North Dakota | $816 | -$180 | -18.1% |
Ohio | $688 | -$308 | -30.9% |
Oklahoma | $1,024 | $28 | 2.8% |
Oregon | $912 | -$84 | -8.4% |
Pennsylvania | $950 | -$46 | -4.6% |
Rhode Island | $1,330 | $334 | 33.5% |
South Carolina | $902 | -$94 | -9.4% |
South Dakota | $840 | -$156 | -15.7% |
Tennessee | $874 | -$122 | -12.2% |
Texas | $1,204 | $208 | 20.9% |
Utah | $738 | -$258 | -25.9% |
Vermont | $684 | -$312 | -31.3% |
Virginia | $598 | -$398 | -40.0% |
Washington | $770 | -$226 | -22.7% |
West Virginia | $912 | -$84 | -8.4% |
Wisconsin | $690 | -$306 | -30.7% |
Wyoming | $888 | -$108 | -10.8% |
Model Year | Comprehensive | Collision | Liability | Total Premium |
---|---|---|---|---|
2012 Volvo S60 | $210 | $346 | $474 | $1,188 |
2007 Volvo S60 | $172 | $230 | $460 | $1,020 |
2006 Volvo S60 | $168 | $218 | $452 | $996 |
2005 Volvo S60 | $154 | $208 | $446 | $966 |
2004 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 Shop for Affordable Volvo S60 Insurance
Finding cheaper rates on car insurance takes having a good driving record, having a good credit score, paying for small claims out-of-pocket, and consideration of higher deductibles. Take the time to comparison shop at least once a year by getting quotes from direct car insurance companies, and also from local insurance agencies.
The next list is a brief review of the primary concepts that were touched on in the above illustrations.
- You may be able to save approximately $110 per year just by quoting early and online
- Higher risk drivers with DUI or reckless driving convictions may have to pay on average $1,140 more annually to buy Volvo S60 insurance
- Increasing comprehensive and collision deductibles could save as much as $250 each year
- Drivers age 20 and younger are the costliest to insure, with premiums being up to $333 each month if comprehensive and collision insurance is included
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.
Compare Quotes From Top Companies and Save Secured with SHA-256 EncryptionFree Car Insurance Comparison
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 | $3,992 |
20 | $2,276 |
30 | $1,016 |
40 | $996 |
50 | $914 |
60 | $896 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $1,166 |
$250 | $1,088 |
$500 | $996 |
$1,000 | $908 |
Full coverage, driver age 40
Rates by Liability Limit
Liability Limit | Premium |
---|---|
30/60 | $996 |
50/100 | $1,086 |
100/300 | $1,199 |
250/500 | $1,493 |
100 CSL | $1,132 |
300 CSL | $1,380 |
500 CSL | $1,561 |
Full coverage, driver age 40
Rates for High Risk Drivers
Age | Premium |
---|---|
16 | $5,622 |
20 | $3,620 |
30 | $2,158 |
40 | $2,140 |
50 | $2,046 |
60 | $2,026 |
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 | $50 |
Multi-vehicle | $53 |
Homeowner | $17 |
5-yr Accident Free | $61 |
5-yr Claim Free | $62 |
Paid in Full/EFT | $36 |
Advance Quote | $43 |
Online Quote | $67 |
Total Discounts | $389 |
Discounts are estimated and may not be available from every company or in every state.
Compare Rates and Save
Find companies with the cheapest rates in your area