Volvo XC60 Car Insurance Cost
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Written by
Gianetta Palmer
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Reviewed by
Joel Ohman
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UPDATED: Jun 17, 2021
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Looking for a new or used Volvo XC60? And wondering how much it costs to insure by year? We researched average annual car insurance costs for each model year and have compiled the results for you below.
Volvo XC60 car insurance facts
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Average full coverage auto insurance premium: $142/month
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Most affordable companies: USAA ($93/month) & Liberty Mutual ($97/month)
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XC60 car insurance cost vs. average rate: $18 more expensive than the average vehicle
Explore the pricing information below to find how much it will cost you to insure your Volvo XC60 by model year and car insurance company.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Below average Volvo XC60 car insurance costs by state:
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California car insurance – $2,057 per year
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Ohio car insurance – $1,024 per year
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New York car insurance – $2,113 per year
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Nevada car insurance – $1,715 per year
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Texas car insurance – $1,970 per year
Risk factors affecting XC60 rates
The make and model of your vehicle, along with the year of manufacture, are the three most important factors in determining your car’s value, which in turn is the main factor in determining your insurance premium. Your own personal driving history, age, marital status, credit score, type of vehicle, coverage levels, and other personal factors are also important components of your rate.
How to save money on Volvo XC60 coverage?
Many driver discounts are available to people through most major auto insurers, such as
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Student discounts
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Safe drivers
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Senior discounts
With all Volvo models, you can get the following discounts:
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Passive restraint systems
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Anti-lock brakes
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Anti-theft devices
Volvo Luxury Automobile Brand
Volvo is a Swedish luxury automobile brand partially owned by a Chinese company in the United States market. Volvo’s target market is families typically with children in the higher-end price vehicle market. All of Volvo’s automobiles have high safety ratings, with 11 of their vehicles getting “Top Safety Pick” and 5-star ratings from the National Highway Traffic Safety Administration (NHTSA). The S60, XC60, and the XC90 are their most popular vehicles.
Higher than average XC60 repair costs equal higher coverage rates
Volvo’s are considered a niche vehicle in the United States market. Many consumers are attracted to the Volvo for its style and driver-assist technologies, like Volvo’s Pilot Assist. Automotive parts are not as common as popular vehicles, like the Toyota or Honda. Repairing a Volvo is higher than average since repair parts are more expensive and not as available as popular vehicles. For this reason, many Volvo’s are going to have higher than average insurance rates to similar vehicles in its class.
Rapid depreciation for XC60’s affecting auto policies
Another factor to consider for Volvo’s, is they depreciate rapidly, affecting coverage rates. As your vehicle’s value goes down each year, your auto policy could go down at each renewal. On the other hand, in an auto accident, you need repair parts that rarely go down in price for all Volvo models. This could put you in a difficult situation position since many insurance companies will subtract depreciation from the amount paid for your claim resulting in a situation where your claim payout doesn’t fully cover your repair cost.
High IIHS and NHTSA safety ratings lower coverage rates for drivers
Volvo’s are known for their safety ratings, safety features, and driver-assist technologies (semiautonomous driving), lowering coverage rates for drivers with a good driving record, sometimes getting 20% driver discounts for passive restraints and safety features in Volvo models. The V60, S90, and V90 are Insurance Institute for Highway Safety (IIHS) “Top Safety Picks,” and the NHTSA consistently gives Volvo top safety ratings each year, lowering your insurance costs.
AutoInsureSavings.org insurance agents recommend comprehensive and collision coverage and uninsured motorist coverage for new Volvo automobile owners.
2021 Volvo XC60
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Allied | $1899 |
| Allstate | $1760 |
| American Family | $1254 |
| Amica | $2006 |
| Auto-Owners | $1795 |
| Direct Auto | $1638 |
| Erie | $1320 |
| Farmers | $1530 |
| GEICO | $1416 |
| Liberty Mutual | $1136 |
| Mercury | $1712 |
| MetLife | $1845 |
| Nationwide | $1467 |
| Progressive | $1219 |
| Safe Auto | $1832 |
| State Farm | $1512 |
| Tennessee Farmers | $1702 |
| Travelers | $1564 |
| USAA | $1120 |
Compare all 2021 Volvo XC60 rates
Average Cost to Insure Per Year
$1713
List Price
$42700
Trims Available
T5 Momentum - T5 R-Design - T6 Momentum - T5 Inscription - T6 R-Design - T6 Inscription - T8 eAWD Momentum - T8 Plug-In Hybrid Momentum - T8 eAWD R-Design - T8 Plug-In Hybrid R-Design - T8 eAWD Inscription - T8 Plug-In Hybrid Inscription - 2.0-liter turbocharged four-cylinder with 250 horsepower and 258 pound-feet of torque (T5) - - Geartronic 8-spd w/OD Transmission - with Safety Features - with Volvo IntelliSafe Safety - Oncoming Lane Mitigation, Run-off Road Mitigation, Lane Keeping Aid, Airbags, BLIS (Blind Spot Information) with steer assist, Rear Collision Warning, Cross Traffic Alert with autobrake, Pilot Assist, Adaptive Cruise Control, Semi-autonomous
2020 Volvo XC60
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Allstate | $1410 |
| American Family | $1033 |
| Auto-Owners | $1428 |
| Erie | $1083 |
| Farmers | $1248 |
| GEICO | $1124 |
| Mercury | $1348 |
| MetLife | $1738 |
| Nationwide | $1134 |
| Progressive | $1020 |
| Safe Auto | $1532 |
| State Farm | $1168 |
| Tennessee Farmers | $1326 |
| Travelers | $1250 |
| USAA | $986 |
| Vermont Mutual | $1569 |
Compare all 2020 Volvo XC60 rates
Average Cost to Insure Per Year
$1629
List Price
$42150
Trims Available
T5 Momentum - T5 R-Design - T6 Momentum - T5 Inscription - T6 R-Design - T6 Inscription - T8 eAWD Momentum - T8 Plug-In Hybrid Momentum - T8 eAWD R-Design - T8 Plug-In Hybrid R-Design - T8 eAWD Inscription - T8 Plug-In Hybrid Inscription - 2.0-liter turbocharged four-cylinder with 250 horsepower and 258 pound-feet of torque (T5) - - Geartronic 8-spd w/OD Transmission - with Safety Features - with Volvo IntelliSafe Safety - Oncoming Lane Mitigation, Run-off Road Mitigation, Lane Keeping Aid, Airbags, BLIS (Blind Spot Information) with steer assist, Rear Collision Warning, Cross Traffic Alert with autobrake, Pilot Assist, Adaptive Cruise Control, Semi-autonomous
2019 Volvo XC60
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Allstate | $1316 |
| American Family | $1049 |
| Auto-Owners | $1402 |
| Direct Auto | $1311 |
| Erie | $1086 |
| Farmers | $1240 |
| GEICO | $1132 |
| Liberty Mutual | $1035 |
| MetLife | $1700 |
| Nationwide | $1145 |
| Progressive | $963 |
| Safe Auto | $1412 |
| State Farm | $1155 |
| Tennessee Farmers | $1263 |
| Travelers | $1244 |
| USAA | $906 |
| Vermont Mutual | $1635 |
Compare all 2019 Volvo XC60 rates
Average Cost to Insure Per Year
$1488
List Price
$41800
Trims Available
T5 Momentum - T5 R-Design - T6 Momentum - T5 Inscription - T6 R-Design - T6 Inscription - T8 eAWD Momentum - T8 Plug-In Hybrid Momentum - T8 eAWD R-Design - T8 Plug-In Hybrid R-Design - T8 eAWD Inscription - T8 Plug-In Hybrid Inscription - 2.0-liter turbocharged four-cylinder with 250 horsepower and 258 pound-feet of torque (T5) - - Geartronic 8-spd w/OD Transmission - with Safety Features - with Volvo IntelliSafe Safety - Oncoming Lane Mitigation, Run-off Road Mitigation, Lane Keeping Aid, Airbags, BLIS (Blind Spot Information) with steer assist, Rear Collision Warning, Cross Traffic Alert with autobrake, Pilot Assist, Adaptive Cruise Control, Semi-autonomous
2018 Volvo XC60
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Acuity | $ 1266 |
| Acuity | $ 1266 |
| Allied | $ 1086 |
| Allied | $ 1086 |
| American Family | $ 1285 |
| American Family | $ 1285 |
| Arbella | $ 1389 |
| Arbella | $ 1389 |
| Country | $ 1360 |
| Country | $ 1360 |
| Erie | $ 1175 |
| Erie | $ 1175 |
| GEICO | $ 1101 |
| GEICO | $ 1101 |
| Nationwide | $ 1136 |
| Nationwide | $ 1136 |
| Progressive | $ 858 |
| Progressive | $ 858 |
| State Farm | $ 1158 |
| State Farm | $ 1158 |
| USAA | $ 1286 |
| USAA | $ 1286 |
| Vermont Mutual | $ 1249 |
| Vermont Mutual | $ 1249 |
Compare all 2018 Volvo XC60 rates
Average Cost to Insure Per Year
$ 1320
List Price
$ 41500
Trims Available
T5 Momentum - T5 R-Design - T6 Momentum - T5 Inscription - T6 R-Design - T6 Inscription - T8 eAWD Momentum - T8 Plug-In Hybrid Momentum - T8 eAWD R-Design - T8 Plug-In Hybrid R-Design - T8 eAWD Inscription - T8 Plug-In Hybrid Inscription
2017 Volvo XC60
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Acuity | $ 1136 |
| Acuity | $ 1136 |
| Allied | $ 1156 |
| Allied | $ 1156 |
| Arbella | $ 1224 |
| Arbella | $ 1224 |
| Country | $ 1202 |
| Country | $ 1202 |
| Erie | $ 1123 |
| Erie | $ 1123 |
| GEICO | $ 994 |
| GEICO | $ 994 |
| Nationwide | $ 1220 |
| Nationwide | $ 1220 |
| Progressive | $ 1055 |
| Progressive | $ 1055 |
| State Farm | $ 1209 |
| State Farm | $ 1209 |
| Texas Farm Bureau | $ 791 |
| Texas Farm Bureau | $ 791 |
| USAA | $ 1252 |
| USAA | $ 1252 |
| Vermont Mutual | $ 1024 |
| Vermont Mutual | $ 1024 |
Compare all 2017 Volvo XC60 rates
Average Cost to Insure Per Year
$ 1164
List Price
$ 40950
Trims Available
T5 Dynamic - T5 Inscription - T6 Dynamic - T6 Inscription - T6 R-Design
2016 Volvo XC60
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Acuity | $ 1094 |
| Acuity | $ 1094 |
| Allied | $ 1040 |
| Allied | $ 1040 |
| Arbella | $ 1149 |
| Arbella | $ 1149 |
| Country | $ 1112 |
| Country | $ 1112 |
| Erie | $ 819 |
| Erie | $ 819 |
| GEICO | $ 617 |
| GEICO | $ 617 |
| Nationwide | $ 1033 |
| Nationwide | $ 1033 |
| Progressive | $ 770 |
| Progressive | $ 770 |
| State Farm | $ 962 |
| State Farm | $ 962 |
| Texas Farm Bureau | $ 775 |
| Texas Farm Bureau | $ 775 |
| USAA | $ 1092 |
| USAA | $ 1092 |
| Vermont Mutual | $ 982 |
| Vermont Mutual | $ 982 |
Compare all 2016 Volvo XC60 rates
Average Cost to Insure Per Year
$ 1012
List Price
$ 36600
Trims Available
T5 Drive-E - T5 - T5 Drive-E Premier - T5 Premier - T6 Drive-E - T6 - T5 Drive-E Platinum - T5 Platinum - T6 Drive-E Platinum - T6 R-Design - T6 Platinum - T6 Drive-E R-Design - T6 R-Design Platinum - T6 Drive-E R-Design Platinum
2015 Volvo XC60
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Acuity | $ 1016 |
| Acuity | $ 1016 |
| Allied | $ 1039 |
| Allied | $ 1039 |
| Country | $ 981 |
| Country | $ 981 |
| Erie | $ 703 |
| Erie | $ 703 |
| GEICO | $ 506 |
| GEICO | $ 506 |
| Nationwide | $ 972 |
| Nationwide | $ 972 |
| Progressive | $ 698 |
| Progressive | $ 698 |
| State Farm | $ 707 |
| State Farm | $ 707 |
| Tennessee Farmers | $ 866 |
| Tennessee Farmers | $ 866 |
| Texas Farm Bureau | $ 801 |
| Texas Farm Bureau | $ 801 |
| USAA | $ 777 |
| USAA | $ 777 |
| Vermont Mutual | $ 901 |
| Vermont Mutual | $ 901 |
Compare all 2015 Volvo XC60 rates
Average Cost to Insure Per Year
$ 886
List Price
$ 35750
Trims Available
T5 Drive-E - 3.2 - T5 - T5 Drive-E Premier - T6 Drive-E - T5 Drive-E Premier Plus - 3.2 Premier - T5 Premier - T6 Drive-E Premier Plus - T6 - 3.2 Premier Plus - T5 Drive-E Platinum - T6 Premier Plus - T6 Drive-E Platinum - 3.2 Platinum - T5 Platinum - T6 Platinum - T6 R-Design - T6 R-Design Premier Plus - T6 R-Design Platinum
2014 Volvo XC60
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Acuity | $ 1000 |
| Acuity | $ 1000 |
| Allied | $ 1030 |
| Allied | $ 1030 |
| American Family | $ 1052 |
| American Family | $ 1052 |
| Country | $ 1044 |
| Country | $ 1044 |
| Erie | $ 686 |
| Erie | $ 686 |
| GEICO | $ 539 |
| GEICO | $ 539 |
| Progressive | $ 744 |
| Progressive | $ 744 |
| State Farm | $ 887 |
| State Farm | $ 887 |
| Tennessee Farmers | $ 890 |
| Tennessee Farmers | $ 890 |
| Texas Farm Bureau | $ 776 |
| Texas Farm Bureau | $ 776 |
| USAA | $ 814 |
| USAA | $ 814 |
| Vermont Mutual | $ 860 |
| Vermont Mutual | $ 860 |
Compare all 2014 Volvo XC60 rates
Average Cost to Insure Per Year
$ 916
List Price
$ 34850
Trims Available
3.2 - 3.2 Premier - 3.2 Premier Plus - T6 - 3.2 Platinum - T6 Premier Plus - T6 Platinum - T6 R-Design - T6 R-Design Premier Plus - T6 R-Design Platinum
2013 Volvo XC60
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Acuity | $ 875 |
| Acuity | $ 875 |
| Allied | $ 967 |
| Allied | $ 967 |
| American Family | $ 922 |
| American Family | $ 922 |
| Country | $ 979 |
| Country | $ 979 |
| Erie | $ 641 |
| Erie | $ 641 |
| GEICO | $ 497 |
| GEICO | $ 497 |
| Progressive | $ 701 |
| Progressive | $ 701 |
| State Farm | $ 728 |
| State Farm | $ 728 |
| Tennessee Farmers | $ 824 |
| Tennessee Farmers | $ 824 |
| Texas Farm Bureau | $ 761 |
| Texas Farm Bureau | $ 761 |
| USAA | $ 724 |
| USAA | $ 724 |
| Vermont Mutual | $ 795 |
| Vermont Mutual | $ 795 |
Compare all 2013 Volvo XC60 rates
Average Cost to Insure Per Year
$ 848
List Price
$ 34200
Trims Available
3.2 - 3.2 Premier - 3.2 Premier Plus - T6 - 3.2 Platinum - T6 Premier Plus - T6 R-Design - T6 Platinum - T6 R-Design Premier Plus - T6 R-Design Platinum
2012 Volvo XC60
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Acuity | $ 825 |
| Acuity | $ 825 |
| Allied | $ 918 |
| Allied | $ 918 |
| American Family | $ 880 |
| American Family | $ 880 |
| Country | $ 943 |
| Country | $ 943 |
| Erie | $ 624 |
| Erie | $ 624 |
| GEICO | $ 481 |
| GEICO | $ 481 |
| Progressive | $ 702 |
| Progressive | $ 702 |
| State Farm | $ 678 |
| State Farm | $ 678 |
| Tennessee Farmers | $ 806 |
| Tennessee Farmers | $ 806 |
| Texas Farm Bureau | $ 744 |
| Texas Farm Bureau | $ 744 |
| USAA | $ 686 |
| USAA | $ 686 |
| Vermont Mutual | $ 752 |
| Vermont Mutual | $ 752 |
Compare all 2012 Volvo XC60 rates
Average Cost to Insure Per Year
$ 812
List Price
$ 32900
Trims Available
3.2 - 3.2 Premier - 3.2 Premier Plus - T6 - 3.2 Platinum - T6 Premier Plus - T6 R-Design - T6 Platinum - T6 R-Design Premier Plus - T6 R-Design Platinum
2011 Volvo XC60
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Allied | $ 894 |
| Allied | $ 894 |
| American Family | $ 950 |
| American Family | $ 950 |
| Arbella | $ 884 |
| Arbella | $ 884 |
| Country | $ 886 |
| Country | $ 886 |
| Erie | $ 644 |
| Erie | $ 644 |
| GEICO | $ 523 |
| GEICO | $ 523 |
| Progressive | $ 688 |
| Progressive | $ 688 |
| State Farm | $ 804 |
| State Farm | $ 804 |
| Tennessee Farmers | $ 819 |
| Tennessee Farmers | $ 819 |
| Texas Farm Bureau | $ 720 |
| Texas Farm Bureau | $ 720 |
| USAA | $ 782 |
| USAA | $ 782 |
| Vermont Mutual | $ 712 |
| Vermont Mutual | $ 712 |
Compare all 2011 Volvo XC60 rates
Average Cost to Insure Per Year
$ 853
List Price
$ 32400
Trims Available
3.2 - 3.2 R-Design - T6 - T6 R-Design