Estimates, not quotes

Lexus ES vs Volvo S60 Insurance Cost

The Volvo S60 is cheaper to insure by about $75 a year for full coverage by our estimate ($1,590 vs. $1,515), and cheaper in 51 of 51 states.

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Side-by-side insurance estimate

CoverageLexus ESVolvo S60Difference
State minimum$545$545—
Standard (100/300/100)$790$790—
Full coverage$1,590$1,515+$75

National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = ES minus S60.

Why one costs more to insure

FactorLexus ESVolvo S60
SegmentLuxury carLuxury car
PowertrainsGasoline, Hybrid, ElectricGasoline, Hybrid, Plug-in hybrid
HLDI collision (100 = avg)121110
HLDI comprehensive108108
HLDI property damage liability7885
HLDI bodily injury liability92—
NHTSA overall rating5★5★
NICB most-stolen rankNot in top 10Not in top 10
Recalls (latest 3 model years)27

Collision losses are the biggest swing factor: the Lexus ES has 11 points higher relative collision losses, meaning its crash repairs cost insurers more on average.

ES vs S60 insurance by state

StateESS60Difference
Alabama$1,410$1,335+$75
Alaska$1,405$1,330+$75
Arizona$1,660$1,585+$75
Arkansas$1,440$1,360+$80
California$1,585$1,495+$90
Colorado$1,815$1,735+$80
Connecticut$1,670$1,595+$75
Delaware$1,730$1,660+$70
District of Columbia$2,020$1,915+$105
Florida$2,190$2,115+$75
Georgia$1,925$1,845+$80
Hawaii$1,115$1,050+$65
Idaho$1,085$1,030+$55
Illinois$1,395$1,320+$75
Indiana$1,145$1,085+$60
Iowa$1,115$1,055+$60
Kansas$1,300$1,235+$65
Kentucky$1,335$1,270+$65
Louisiana$2,190$2,090+$100
Maine$1,030$975+$55
Maryland$1,775$1,690+$85
Massachusetts$1,570$1,490+$80
Michigan$1,750$1,655+$95
Minnesota$1,350$1,280+$70
Mississippi$1,540$1,465+$75
Missouri$1,460$1,390+$70
Montana$1,305$1,235+$70
Nebraska$1,305$1,235+$70
Nevada$1,765$1,695+$70
New Hampshire$1,150$1,085+$65
New Jersey$1,870$1,795+$75
New Mexico$1,440$1,365+$75
New York$2,095$2,005+$90
North Carolina$1,225$1,150+$75
North Dakota$1,060$1,000+$60
Ohio$1,150$1,090+$60
Oklahoma$1,465$1,385+$80
Oregon$1,400$1,340+$60
Pennsylvania$1,415$1,335+$80
Rhode Island$1,895$1,810+$85
South Carolina$1,670$1,600+$70
South Dakota$1,270$1,200+$70
Tennessee$1,345$1,275+$70
Texas$1,905$1,810+$95
Utah$1,420$1,360+$60
Vermont$1,070$1,005+$65
Virginia$1,370$1,305+$65
Washington$1,365$1,305+$60
West Virginia$1,355$1,285+$70
Wisconsin$1,105$1,050+$55
Wyoming$1,295$1,225+$70

By driver profile (full coverage)

DriverESS60
Teen driver (18, own policy)$4,380$4,165
Young adult (22)$2,550$2,425
Adult in their 30s$1,590$1,515
Adult in their 50s$1,465$1,395
Senior (72)$1,785$1,695
30s, one at-fault accident$2,310$2,195
30s, DUI on record$2,945$2,805

More comparisons

Frequently asked questions

Is the Lexus ES or the Volvo S60 cheaper to insure?

By our estimate the Volvo S60 is cheaper, by about $75 a year for full coverage ($1,590 vs. $1,515) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Lexus ES and Volvo S60?

Mostly because of insurance-loss history: HLDI collision indices of 121 vs. 110 and comprehensive indices of 108 vs. 108 (100 = average), plus repair costs, theft rates and segment.

How we estimate this

We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.

Sources used on this page