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 including full coverage. Comprehensive costs around $250 each year, collision costs $424, and liability insurance is estimated at $388. Liability-only coverage costs approximately $434 a year, with high-risk coverage costing around $2,584. Teenage drivers receive the highest rates at $4,498 a year or more.
Average premium for full coverage: $1,198
Rate estimates for individual coverage type:
Rate estimates include $500 physical damage deductibles, 30/60 liability coverage, and includes UM/UIM and medical coverage. Rates are averaged for all 50 U.S. states and XC60 models.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range go from the low end price of $434 for a discount liability-only rate to a high rate of $2,584 for a policy for a high-risk driver.
Price Range by Location
Living in a larger city has a significant impact on the price of insurance. Areas with sparse population tend to have lower incidents of comprehensive and collision claims than densely populated cities.
The graphic below illustrates the difference location can make on auto insurance rates.
These examples highlight why all drivers should get quotes for a specific zip code, rather than relying on average rates.
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 breaks down estimated Volvo XC60 insurance rates for additional coverage choices and driver risks.
- The best discount rate is $694
- Choosing higher $1,000 deductibles can save about $154 every year
- The estimated price for a 40-year-old driver using $500 deductibles is $1,198
- Using low deductibles for comp and collision coverage bumps up the cost to $1,492
- High-risk insureds who are prone to accidents and violations could pay at least $2,584 or more
- The cost that insures a teen driver can be $4,498 each year
Car insurance rates for a Volvo XC60 can also vary considerably based on the trim level and model year, your driving record and age, and deductibles and policy limits.
If you like to drive fast or you caused an accident, you are likely paying at least $1,400 to $2,000 extra per year, depending on your age. Insurance for high-risk drivers ranges anywhere from 44% to 130% more than a normal policy. View High Risk Driver Rates
More mature drivers with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,100 annually on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will be charged as much as $4,400 a year. View Rates by Age
Where you live plays a big part in determining prices for Volvo XC60 insurance rates. A good driver about age 40 could pay as low as $920 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,710 on average in Michigan, New York, and Louisiana.
| 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% |
Using high physical damage deductibles can save as much as $450 each year, whereas increasing liability limits will increase rates. Changing 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
With so much variability in rates, the best way to figure out your exact price is to do a rate comparison from as many companies as possible. Each auto insurer uses a different method to calculate rates, so rate quotes can be significantly 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 2018 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 | $320 | $542 | $332 | $1,330 |
| 2023 Volvo XC60 | $306 | $536 | $338 | $1,316 |
| 2022 Volvo XC60 | $296 | $524 | $354 | $1,310 |
| 2021 Volvo XC60 | $286 | $502 | $364 | $1,288 |
| 2020 Volvo XC60 | $270 | $484 | $376 | $1,266 |
| 2019 Volvo XC60 | $260 | $450 | $384 | $1,230 |
| 2018 Volvo XC60 | $250 | $424 | $388 | $1,198 |
| 2017 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 Best Volvo XC60 Insurance
Saving money on Volvo XC60 insurance takes being a safe and courteous driver, having a positive credit history, not filing small claims, and qualifying for all possible discounts. Compare prices every year by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.
Below is a brief recap of the coverage data touched on in this article.
- You may be able to save up to $140 per year simply by quoting online in advance
- Increasing deductibles can save approximately $450 each year
- Teenage drivers are the costliest to insure, as much as $375 per month if full coverage is purchased
- High-risk drivers who tend to receive serious violations may have to pay on average $1,390 more every year for auto insurance
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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