Volvo XC60 Insurance Rates
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UPDATED: May 16, 2024
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Average insurance rates for a Volvo XC60 are $1,198 a year for full coverage. Comprehensive costs approximately $250 each year, collision insurance costs $424, and liability coverage costs around $388. Liability-only coverage costs as low as $434 a year, and high-risk coverage costs around $2,584. Teen drivers receive the highest rates at up to $4,498 a year.
Average premium for full coverage: $1,198
Rate estimates by individual coverage type:
Includes $500 comprehensive and collision deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all states and XC60 models.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range range from the low end price of $434 for a discount liability-only rate to a high rate of $2,584 for high-risk insurance.
Price Range by Location
Where you live has a large influence on car insurance rates. Rural locations tend to have lower incidents of accident claims than larger metro areas. The graphic below illustrates the difference location can make on auto insurance prices.
These examples show why all drivers should compare prices using their specific location, rather than 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.
Rates by State, City, and Model
The chart below shows average Volvo XC60 insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $694
- Using higher $1,000 deductibles will save $154 a year
- The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,198
- Choosing low deductibles for physical damage coverage bumps up the cost to $1,492
- Higher-risk drivers with multiple violations and an at-fault accident could pay around $2,584
- The cost that insures a teenage driver can cost $4,498 or more
Car insurance rates for a Volvo XC60 can also vary considerably based on the trim level and model year, how you drive, and physical damage deductibles and liability limits.
If you like to drive fast or you caused an accident, you could be paying anywhere from $1,400 to $2,000 extra per year, depending on your age. Insurance for high-risk drivers can be around 44% to 130% more than average. View High Risk Driver Rates
More mature drivers with no driving violations and higher comprehensive and collision deductibles may only pay around $1,100 a year for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will be charged in the ballpark of $4,400 a year. View Rates by Age
Where you live has a huge impact on Volvo XC60 insurance rates. A driver around age 40 might see rates as low as $790 a year in states like Iowa, Maine, and Idaho, or as much as $1,710 on average in New York, Louisiana, and Michigan.
| 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% |
Choosing high deductibles could cut rates by as much as $450 a year, whereas increasing liability limits will push rates upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $349 extra every 12 months. View Rates by Deductible or Liability Limit
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
Saving money on auto insurance requires avoiding accidents and violations, having a positive credit history, eliminating unneeded coverage, and attention to physical damage deductibles. Shop around every couple of years by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
The list below is a recap of the material that was touched on in this article.
- Consumers who purchase higher liability limits will pay about $430 each year to increase from a minimum limit to the 250/500 level
- Teenagers pay the highest auto insurance rates, costing as high as $375 per month if full coverage is purchased
- Drivers that have major violations or accidents could be forced to pay on average $1,390 more per year for car insurance
- Increasing deductibles can save approximately $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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