Volvo XC60 Insurance Rates
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UPDATED: May 16, 2024
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Estimated insurance rates for a Volvo XC60 are $1,198 a year for full coverage. Comprehensive insurance costs around $250, collision insurance costs $424, and liability insurance is $388. Liability-only coverage costs around $434 a year, and high-risk coverage costs $2,584 or more. 16-year-old drivers pay the most at up to $4,498 a year.
Average premium for full coverage: $1,198
Premium estimates for type of coverage:
Includes $500 physical damage insurance deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all states and for all XC60 models.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a Volvo XC60 range from as low as $434 for just liability coverage to the much higher price of $2,584 for high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city has a significant impact on auto insurance rates. Areas with sparse population are statistically proven to have a lower frequency of accident claims than congested cities. The example below illustrates how location helps determine auto insurance rates.
These rate differences show why everyone should compare rates quotes for a specific zip code and risk profile, rather than relying on 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.
Detailed Rate Analysis
The chart below shows average Volvo XC60 insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $694
- Raising to $1,000 deductibles will save about $154 a year
- The average rate for a 40-year-old good driver using $500 deductibles is $1,198
- Buying pricier low deductibles will cost an extra $294 a year
- Higher-risk drivers with multiple tickets or accidents could pay at least $2,584
- An auto insurance policy for full coverage for a teen driver for full coverage can be $4,498
Insurance prices for a Volvo XC60 also have a wide range based on your driving characteristics, the trim level of your XC60, and deductibles and policy limits.
A more mature driver with a clean driving record and high deductibles could pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers can expect to pay as much as $4,400 a year. View Rates by Age
Where you choose to live also has a big influence on Volvo XC60 insurance rates. A middle-age driver might find prices as low as $790 a year in states like Idaho, Maine, and Iowa, or at least $1,710 on average in Michigan, Louisiana, and New York.
| 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% |
Opting for high physical damage deductibles can reduce prices by up to $450 each year, whereas buying more liability protection will increase prices. Going from a 50/100 limit to a 250/500 limit will cost up to $349 more per year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you could be paying at least $1,400 to $2,000 extra annually, depending on your age. Volvo XC60 insurance for high-risk drivers is expensive and can cost anywhere from 44% to 130% more than the average rate. View High Risk Driver Rates
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 2017 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 | $336 | $562 | $316 | $1,350 |
| 2023 Volvo XC60 | $320 | $542 | $332 | $1,330 |
| 2022 Volvo XC60 | $306 | $536 | $338 | $1,316 |
| 2021 Volvo XC60 | $296 | $524 | $354 | $1,310 |
| 2020 Volvo XC60 | $286 | $502 | $364 | $1,288 |
| 2019 Volvo XC60 | $270 | $484 | $376 | $1,266 |
| 2018 Volvo XC60 | $260 | $450 | $384 | $1,230 |
| 2017 Volvo XC60 | $250 | $424 | $388 | $1,198 |
| 2016 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 Find the Cheapest Volvo XC60 Insurance
Finding better rates on Volvo XC60 insurance consists of being a low-risk driver, maintaining good credit, not filing small claims, and dropping full coverage on older vehicles. Invest time comparing rates every couple of years by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local insurance agents.
The items below are a recap of the material that was covered in the charts and tables above.
- Drivers who may need more liability coverage will pay around $430 each year to raise from 30/60 bodily injury limits to 250/500 limits
- Teen drivers pay higher prices, as much as $375 per month for full coverage
- High-risk drivers that have major violations or accidents may be required to pay an average of $1,390 more every year to insure their XC60
- Increasing policy deductibles can save around $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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