Volvo XC60 Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• A Volvo XC60 is more affordable to insure than the average SUV.
• Full coverage car insurance for a XC60 tends to be about $135 a month, on average, while liability only insurance normally averages around $69.
• Mapfre is the lowest insurance carrier for a XC60 with a national average of just $40 per month for liability only coverage.

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XC60 Overview

We ran through thousands of auto insurance quotes on Compare.com, and we've determined that average Volvo XC60 car insurance premiums run about $132 a month. But how does that compare to other vehicles on the market?

How Much is Car Insurance for a Volvo XC60?

Looking at the table above, you can see that auto insurance prices for a Volvo XC60 are below average. XC60 drivers generally pay around $135 monthly for full coverage, which has comprehensive and collision coverages in addition to liability, and about $69 per month for liability only insurance (our guide, "State Minimum vs. Full Coverage", can give you more information on these different types of insurance).

When compared to other models, the XC60 is slightly cheaper, with rates more than 5% lower than the other vehicle types offered by Volvo. Compared to SUV offerings from other brands, insurance for a XC60 is also more affordable, with full coverage insurance prices coming in about $16 less and $11 less for liability only insurance.

Impressively, they're overall more affordable to insure than the average vehicle, regardless of make, model, or body style.

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Who has the Cheapest Car Insurance for a Volvo XC60?

Shopping around for a car insurance policy for your Volvo XC60? You're likely wondering which company offers the cheapest prices. While there will never be one carrier that offers the cheapest premiums for everyone, the most affordable average rates for liability only insurance are as low as just $29 a month from Mile Auto. The runner up for cheapest rates is Safeco, with auto insurance policies starting as low as $32 per month.

Kemper Personal Insurance, Mapfre, and Aspire round out the end of the top 5 list. However, just because these five companies offer the lowest average rates doesn't necessarily mean they'll be the cheapest for you.

Auto insurance carriers take many different things into consideration when calculating monthly rates. There's only one way to make sure you find the most affordable possible rates, and that's by analyzing quotes from a bunch of car insurance companies.

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What Factors Affect Car Insurance Rates for a Volvo XC60?

There are a variety of variables that insurance carriers consider to decide how much they charge you -- and every company uses a different method, so there's not a single carrier that's the lowest for everyone.

Below are just a few of the factors auto insurance companies look at and how each one affects your final rate:

Vehicle Age

The Volvo XC60 has been around for a while, so vehicle age may make a difference in what you end up paying for insurance. Usually, it costs more to insure newer cars because they're worth more, but as they age, insurance costs will gradually go lower.

From the table above, you can see the Volvo XC60 is an outlier, as the cheapest models to insure are those that are 4 to 5 years old, while on average, the most expensive XC60s are 11 to 14 years old.

Your Age

Age makes a significant difference in how much you pay for car insurance. Based on the information in the table above, those who have more experience pay less compared to young XC60 drivers. Volvo XC60 drivers aged between 18 and 24 actually pay $48 more than those 25 or older.

Car insurance prices continue to go down as you get older, with the cheapest age group for XC60 drivers being 45-54.

Your Gender

Because women are less likely to get tickets and get into collisions, they are less likely to file a claim with insurance. So, women tend to get cheaper rates than men. The Volvo XC60 sticks to the norm, where women pay around $65 monthly for insurance and men pay about $72.

Where You Live

You may think it's obvious that variables such as what vehicle you drive and how old you are play a role in your car insurance rates, but you may not realize that where you live has just as much of an impact. Insurance is regulated at the state level, so prices fluctuate quite a bit depending on which state you call home.

For example, the average Volvo XC60 owner from New York pays around $130 per month for liability coverage. Meanwhile, the same driver from California will pay less than 50% of that price, on average. The table referenced above shows average rates for the top 10 most populous states, just to give you a good idea of how much premiums can change across states.

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Volvo XC60 Car Insurance Discounts

No matter your car, your age, or your home state, it's always the smart move to take advantage of as many auto insurance discounts as possible when shopping around for a policy.

Not every insurance company will offer the same discounts, but there are a few that are relatively universal. These include discounts like:

• Vehicle safety discounts for having a vehicle with higher than average safety ratings or one with certain safety features (like anti-lock brakes or air bags)
• Defensive driving discounts for taking a defensive driving class through a certified school or institution
• Multi-policy discounts for using the same insurance carrier for both your home and auto insurance
• Pay-in-full discounts for choosing to pay your entire policy premium at once, rather than by monthly payments

These discounts are great, but sometimes, it's actually having a good record when it comes to both driving and auto insurance that get you the most affordable rates.

Of course, you can't control every single aspect of your car insurance profile (like some of the attributes we mentioned above), but you can control some of it. Below are just a few of the factors you can use in your favor when it comes to saving money:

Your Driving Record

It's no secret that auto insurance carriers offer the cheapest rates to drivers with clean records. It makes sense that if you get a speeding ticket or get into an accident, car insurance prices will go up. But exactly how much will these infractions cost you?

If you look at the table above, you'll notice that accidents will usually cost XC60 drivers less than tickets, but both will result in higher than average rates. Volvo XC60 drivers with one ticket will pay an average of $95 monthly, while drivers with a single accident on their record pay about $77 every month (up $8 from the $69/mo. overall average). The rates only increase the more tickets you get or collisions you have.

How Much You Drive

Another variable that impacts your insurance premiums is how much you drive each year. Those who drive less often are more likely to go accident-free, so they'll typically be offered lower rates. Above, you can see that Volvo XC60 owners who drive less than 2,500 miles pay $108 for car insurance, while those who drive more than 10,000 miles each year pay an average of $59 a month.

If you're one of those drivers who don't put very many miles on your Volvo XC60 each year, you might consider choosing a usage-based or pay-per-mile insurance policy. With these plans, you pay a small base rate each month, with your final monthly bill being calculated based on the number of miles you drove.

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How Do Volvo XC60s Compare to Other Vehicles?

If you're considering purchasing a Volvo XC60, it might be helpful to do your due diligence. Car insurance is just one cost that comes with a new car purchase, but it's guaranteed to be one that's worth taking into consideration.

Check out the table below to see how the Volvo XC60 stacks up:

Full coverage insurance for a Volvo XC60 is about $106 a month cheaper than average, while liability only coverage is per month.

However, it is worth noting that the XC60 owners tend to drive their cars less than the average American driver, with only 9,576 annual miles for the average owner.

Volvo XC60 Car Insurance Costs by Model Year

You've seen how different variables can affect how much you might pay for auto insurance. But if you're in the market for a new car, truck, or SUV and the XC60 is on your wishlist, having a good idea of how much you'll likely pay is extremely valuable as you weigh your options.

Choose Your Model

2021 Volvo XC60 Car Insurance 2020 Volvo XC60 Car Insurance 2019 Volvo XC60 Car Insurance 2018 Volvo XC60 Car Insurance 2017 Volvo XC60 Car Insurance 2016 Volvo XC60 Car Insurance 2015 Volvo XC60 Car Insurance 2014 Volvo XC60 Car Insurance 2013 Volvo XC60 Car Insurance 2012 Volvo XC60 Car Insurance 2011 Volvo XC60 Car Insurance 2010 Volvo XC60 Car Insurance

2021 Volvo XC60 Car Insurance

On average, drivers who own a 2021 XC60 can expect to pay $114 to $161 a month for liability only and full coverage car insurance, respectively.

With prices as little as $32 monthly, Safeco offered the lowest policy we found.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get several free quotes in minutes.

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2020 Volvo XC60 Car Insurance

You can expect full coverage for a 2020 Volvo XC60 to run around $174 a month, while liability only coverage will average about $74 per month.

Aspire has premiums sometimes as little as $40 monthly for the 2020 Volvo XC60.

And if you want more accurate rates tailored specifically to you, just enter your ZIP code below and get free quotes in minutes.

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2019 Volvo XC60 Car Insurance

2019 XC60 drivers can expect to pay an average of $67 a month for liability or $143 for full coverage.

If you're looking for the lowest possible 2019 Volvo XC60 insurance policy, Mapfre offered the most affordable policy we found, with rates sometimes as low as $37 monthly.

Want to know exactly how much you'll pay? Just enter your ZIP code below to get lots of customized quotes for free.

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2018 Volvo XC60 Car Insurance

It costs around $93 per month for liability or $140 for a full coverage policy for the 2018 Volvo XC60.

SafeAuto offered the lowest policy we found, with rates as cheap as just $27 monthly.

If you want to know just how much your price will be, just enter your ZIP code below and get free quotes in minutes.

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2017 Volvo XC60 Car Insurance

The average cost to insure a 2017 XC60 with liability only coverage is $54 per month, while full coverage runs about $130 a month.

We found Mile Auto offered the cheapest policy, with rates sometimes as cheap as $29 monthly.

Interested in just how much you'll pay? Enter your ZIP code below to get a variety of personalized quotes for free.

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2016 Volvo XC60 Car Insurance

It costs around $56 a month for liability or $115 for a full coverage policy for the 2016 Volvo XC60.

Looking for the most affordable policy? Shelter Mutual offered liability only coverage for as cheap as $31 per month.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get free quotes in minutes.

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2015 Volvo XC60 Car Insurance

The average cost to insure a 2015 XC60 with liability only coverage is $66 a month, while full coverage runs about $121 per month.

With prices as little as just $35 monthly, MetroMile offered the lowest policy we found for the 2015 Volvo XC60.

Interested in exactly how much you'll pay? Get several free customized quotes by just entering your ZIP code below.

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2014 Volvo XC60 Car Insurance

On average, drivers who own a 2014 Volvo XC60 can expect to pay $63 to $144 per month for liability only and full coverage auto insurance, respectively.

Safeco has rates as low as $17 monthly for the 2014 Volvo XC60.

If you want to know just how much your rate will be, just enter your ZIP code below and get several free quotes in minutes.

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2013 Volvo XC60 Car Insurance

2013 XC60 drivers can expect to pay an average of $63 a month for liability or $132 for full coverage.

Looking for the most affordable policy? Mercury offered liability only coverage for as little as just $22 monthly.

These average premiums are a great starting point if you're in the market for a 2013 Volvo XC60, but there are multiple things that go into calculating your policy rates. If you want to figure out exactly what you'll be asked to pay, get customized quotes by entering your ZIP below.

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2012 Volvo XC60 Car Insurance

You can expect full coverage for a 2012 Volvo XC60 to run around $155 per month, while liability only coverage will average about $77 a month.

With rates sometimes as cheap as $23 monthly, MetroMile offered the cheapest policy we found for the 2012 Volvo XC60.

Want to know just how much you'll pay? Enter your ZIP code below to get multiple free personalized quotes.

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2011 Volvo XC60 Car Insurance

It costs around $80 a month for liability or $122 for a full coverage policy for the 2011 XC60.

Mile Auto offered the most affordable policy we found, with rates sometimes as low as $24 per month.

If you want to find the best prices for insurance for a 2011 Volvo XC60, enter your ZIP code below and compare lots of personalized quotes in just a few minutes.

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2010 Volvo XC60 Car Insurance

2010 Volvo XC60 drivers can expect to pay an average of $64 a month for liability or $124 for full coverage.

With rates as little as $16 monthly, Liberty Mutual offered the cheapest policy we found.

If you want to know exactly how much you can expect to pay for your XC60, just enter your ZIP code below and get several free quotes in minutes.

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Volvo XC60 Insurance FAQs

Is a Volvo XC60 expensive to insure?

Liability insurance runs an average of $69 per month, while full coverage will cost you around $135. Compared to the national average of all SUVs, premiums come in on the cheaper end of the spectrum.

How can I get the best price on car insurance for my Volvo XC60?

The only way to be confident you're getting the lowest price on auto insurance is to check prices regularly and compare quotes from numerous companies. It's recommended to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare prices from a multitude of carriers at once, meaning you can find the most affordable rates (or guarantee you already have the best deal) for free.

Does the color of my Volvo XC60 affect my insurance rates?

You've probably heard the old adage that it costs more to insure a red car than cars of other colors, but that's simply not true. There are lots of factors car insurance companies consider when they decide how much to charge you for a policy, but the color of your car is not on that list.

Do I need to have insurance before I buy a Volvo XC60?

Before you can legally drive your new (or new to you) XC60 off the dealership lot, you'll need to have a valid auto insurance policy. As part of the buying process, some dealerships might offer you a car insurance policy, but the best thing to do when buying a an SUV is to let your insurance carrier know before you buy.

What car insurance discounts can I get for my Volvo XC60?

There are a multitude of discounts out there when it comes to car insurance. Many of them (like "multi-vehicle discounts" and "pay-in-full discounts") are based less on your vehicle and more on you, but if your XC60 has safety features like airbags, anti-lock brakes, anti-theft systems, and other features, it may be eligible for certain discounts. To find out which discounts you may receive, get in touch with your insurance company and ask about their discounts.