Volvo XC60 Insurance Rates
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UPDATED: May 16, 2024
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U.S. average insurance rates for a Volvo XC60 are $1,198 a year with full coverage. Comprehensive insurance costs around $250 each year, collision costs $424, and liability coverage is estimated at $388. Buying just liability costs approximately $434 a year, with insurance for high-risk drivers costing $2,584 or more. Teens pay the highest rates at $4,498 a year or more.
Average premium for full coverage: $1,198
Price estimates for individual coverage:
Prices are based on $500 deductible amounts, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all U.S. states and XC60 models.
Price Range from Low to High
For a driver around age 40, Volvo XC60 insurance prices go from the low end price of $434 for liability-only coverage to a high rate of $2,584 for a high-risk driver policy.
Geographic Price Range
Living in a larger city has a large influence on insurance rates. Areas with sparse population have lower incidents of collision claims than cities with more traffic congestion.
The graphic below illustrates the difference between rural and urban areas on auto insurance rates.
The ranges above demonstrate why all drivers should get quotes for a specific zip code, rather than using averaged prices.
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 Charts and Tables
The chart below details estimated Volvo XC60 insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $694
- Choosing higher $1,000 deductibles can save about $154 annually
- The estimated price for the average middle-age driver using $500 deductibles is $1,198
- Selecting low deductibles for comp and collision coverage will cost an additional $294 each year
- Drivers with serious driving violations could pay at least $2,584 or more
- The price that insures a teenage driver can be $4,498 each year
Insurance prices for a Volvo XC60 are also quite variable based on the trim level and model year, your age and driving habits, and deductibles and policy limits.
If you have some driving violations or you caused an accident, you may be forking out at least $1,400 to $2,000 additional each year, depending on your age. Insurance for high-risk drivers ranges around 44% to 130% more than the average policy. View High Risk Driver Rates
More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,100 annually on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records should be prepared to pay as much as $4,400 a year. View Rates by Age
The state you live in plays a big part in determining prices for Volvo XC60 insurance rates. A good driver about age 40 could pay as low as $860 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,610 on average in Florida, Michigan, 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% |
Choosing higher comprehensive and collision insurance deductibles can save as much as $450 a year, whereas increasing liability limits will increase prices. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $349 more each year. View Rates by Deductible or Liability Limit
Since prices can be so different, the best way to find out your exact price is to do a rate comparison and see how they stack up. Each auto insurer calculates prices differently, and prices may be quite different.
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 Affordable Volvo XC60 Insurance
Getting lower rates on auto insurance takes having a good driving record, having a good credit score, avoid buying unnecessary coverage, and taking advantage of discounts. Compare rates every time your policy renews by requesting rates from direct companies, and also from your local independent and exclusive agents.
The next list is a brief review of the information covered above.
- You may be able to save up to $140 per year simply by quoting online in advance
- Drivers age 20 and younger are charged the highest prices, costing up to $375 a month if comprehensive and collision insurance is included
- Increasing physical damage deductibles can save approximately $450 each year
- Drivers with DUI or reckless driving convictions may pay on average $1,390 more every year to buy Volvo XC60 insurance
- Consumers who may need increased levels of liability coverage will pay approximately $430 every year to raise limits from a low limit to the 250/500 level
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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