Volvo S60 Insurance Cost

Full coverage for a Volvo S60 costs about $1,515 a year ($126/month) by our estimate — ▼ −5% versus the average vehicle.

Volvo S60 exterior (photo from Wikimedia Commons) — Photo: Alexander-93, CC BY-SA 4.0

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

Volvo S60 insurance cost at a glance

Full coverage

$1,515

$126/mo · $1,240–$1,790

Minimum liability

$545

$46/mo

Segment

Luxury car

Gasoline, Hybrid, Plug-in hybrid

HLDI collision losses

110

Worse than average (100 = avg)

NHTSA overall

★★★★★

2025 model year

These figures assume a driver in their 30s with a clean record, 7,500–12,000 miles a year, $500 deductibles and national-average base rates, for the 2025 model year. Our vehicle data covers the 2005–2025 model years of the Volvo S60, which is no longer in production.

Estimated Volvo S60 premium by coverage level (national average rates)
Coverage level	What it includes	Per year	Per month	Typical range
State minimum liability	Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car.	$545	$46	$450–$645
Standard liability (100/300/100)	Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car.	$790	$66	$650–$935
Full coverage	Standard liability plus collision and comprehensive, typically required on a financed or leased car.	$1,515	$126	$1,240–$1,790

What drives the cost of insuring a Volvo S60

The strongest predictor of what insurers charge for a specific model is its claims history. HLDI publishes relative insurance losses for recent models (2022-2024), where 100 is the average of all passenger vehicles. The Volvo S60's results put our vehicle factor at 0.89× for liability, 1.15× for collision and 1.11× for comprehensive.

HLDI relative insurance losses — Volvo S60 4dr (Midsize Luxury cars)
Coverage	Index	Rating	What it measures
Collision	110	Worse than average	Damage to this car in crashes; driven by repair costs and crash frequency
Comprehensive	108	Worse than average	Theft, vandalism, glass, weather and animal damage
Property damage liability	85	Better than average	Damage this car does to other vehicles and property
Personal injury protection	77	Much better than average	Injuries to occupants of this car (claim frequency)

HLDI results by body style / drivetrain (3)

Variant	Collision	Comprehensive	Prop. damage	Bodily injury
Volvo S60 4dr	110	108	85	—
Volvo S60 4dr 4WD	119	116	108	—
Volvo S60 plug-in hybrid 4dr 4WD	119	—	83	—

Repair and parts costs: Luxury car from a luxury brand — premium parts, sensors and labor rates raise collision claims.
Safety: 5-star NHTSA overall rating (frontal 4★, side 5★, rollover 5★) — better occupant protection lowers injury-claim costs.
Recalls & complaints: 7 NHTSA recall campaigns and 23 owner complaints across its latest three model years. Recalls don't change premiums directly, but open recalls should be fixed.

Volvo S60 trims and configurations (2025)

Higher trims with bigger engines, all-wheel drive or more technology usually cost more to repair or replace, which raises collision and comprehensive premiums.

Configuration	Drive	Engine	MPG (comb.)
S60 B5	FWD	2.0L 4-cyl Turbo Hybrid	30
S60 B5 AWD	AWD	2.0L 4-cyl Turbo Hybrid	28
S60 T8 AWD	AWD	2.0L 4-cyl Turbo Plug-in Hybrid	31

Volvo S60 insurance cost by model year

Older model years cost less to insure for full coverage because the car is worth less, so collision and comprehensive payouts are smaller. Liability costs stay about the same.

Model year	Engines	Drive	MPG	Est. full / yr
2025	2.0L 4-cyl Turbo Hybrid, 2.0L 4-cyl Turbo Plug-in Hybrid	AWD, FWD	28–31	$1,515
2024	2.0L 4-cyl Turbo Hybrid, 2.0L 4-cyl Turbo Plug-in Hybrid	AWD, FWD	28–31	$1,480
2023	2.0L 4-cyl Turbo Hybrid, 2.0L 4-cyl Turbo Plug-in Hybrid	AWD, FWD	28–31	$1,445
2022	2.0L 4-cyl Turbo, 2.0L 4-cyl Turbo Plug-in Hybrid, 2.0L 4-cyl Turbo Supercharged Plug-in Hybrid	AWD, FWD	28–31	$1,410
2021	2.0L 4-cyl Turbo, 2.0L 4-cyl Turbo Supercharged, 2.0L 4-cyl Turbo Supercharged Plug-in Hybrid	AWD, FWD	25–30	$1,370
2020	2.0L 4-cyl Turbo, 2.0L 4-cyl Turbo Supercharged, 2.0L 4-cyl Turbo Supercharged Plug-in Hybrid	AWD, FWD	25–30	$1,335
2019	2.0L 4-cyl Turbo, 2.0L 4-cyl Turbo Supercharged, 2.0L 4-cyl Turbo Supercharged Plug-in Hybrid	AWD, FWD	25–31	$1,300
2018	2.0L 4-cyl Turbo, 2.0L 4-cyl Turbo Supercharged	AWD, FWD	22–29	$1,265
2017	2.0L 4-cyl Turbo, 2.0L 4-cyl Turbo Supercharged	AWD, FWD	23–29	$1,230
2016	2.0L 4-cyl Turbo, 2.0L 4-cyl Turbo Supercharged, 2.5L 5-cyl Turbo	AWD, FWD	21–30	$1,195
2015	2.0L 4-cyl Turbo, 2.0L 4-cyl Turbo Supercharged, 2.5L 5-cyl Turbo	AWD, FWD	21–29	$1,190
2014	2.5L 5-cyl Turbo, 3.0L 6-cyl Turbo	AWD, FWD	21–24	$1,190
2013	2.5L 5-cyl Turbo, 3.0L 6-cyl Turbo	AWD, FWD	21–24	$1,190
2012	2.5L 5-cyl Turbo, 3.0L 6-cyl Turbo	AWD, FWD	21–23	$1,190
2011	3.0L 6-cyl Turbo	AWD	21	$1,190
2009	2.4L 5-cyl Turbo, 2.5L 5-cyl Turbo	4WD/AWD, FWD	21–23	$1,190
2008	2.4L 5-cyl Turbo, 2.5L 5-cyl Turbo	4WD/AWD, FWD	21–22	$1,190
2007	2.4L 5-cyl Turbo, 2.5L 5-cyl Turbo	4WD/AWD, FWD	18–22	$1,190
2006	2.4L 5-cyl, 2.4L 5-cyl Turbo, 2.5L 5-cyl Turbo	4WD/AWD, FWD	18–22	$1,190
2005	2.4L 5-cyl, 2.4L 5-cyl Turbo, 2.5L 5-cyl Turbo	4WD/AWD, FWD	18–22	$1,190

Volvo S60 insurance cost by state

The same car can cost very different amounts to insure depending on where it is garaged. Select a state for its rules and city-level costs, or open the S60 page for that state.

State	Full coverage	Minimum	vs. national	S60 page
Alabama	$1,335	$425	−12%	S60 in AL
Alaska	$1,330	$555	−12%	S60 in AK
Arizona	$1,585	$590	+5%	S60 in AZ
Arkansas	$1,360	$400	−10%	S60 in AR
California	$1,495	$510	−1%	S60 in CA
Colorado	$1,735	$580	+15%	S60 in CO
Connecticut	$1,595	$635	+5%	S60 in CT
Delaware	$1,660	$715	+10%	S60 in DE
District of Columbia	$1,915	$660	+26%	S60 in DC
Florida	$2,115	$960	+40%	S60 in FL
Georgia	$1,845	$775	+22%	S60 in GA
Hawaii	$1,050	$385	−31%	S60 in HI
Idaho	$1,030	$355	−32%	S60 in ID
Illinois	$1,320	$445	−13%	S60 in IL
Indiana	$1,085	$360	−28%	S60 in IN
Iowa	$1,055	$275	−30%	S60 in IA
Kansas	$1,235	$360	−18%	S60 in KS
Kentucky	$1,270	$470	−16%	S60 in KY
Louisiana	$2,090	$705	+38%	S60 in LA
Maine	$975	$380	−36%	S60 in ME
Maryland	$1,690	$670	+12%	S60 in MD
Massachusetts	$1,490	$525	−2%	S60 in MA
Michigan	$1,655	$680	+9%	S60 in MI
Minnesota	$1,280	$420	−16%	S60 in MN
Mississippi	$1,465	$470	−3%	S60 in MS
Missouri	$1,390	$455	−8%	S60 in MO
Montana	$1,235	$350	−18%	S60 in MT
Nebraska	$1,235	$360	−18%	S60 in NE
Nevada	$1,695	$770	+12%	S60 in NV
New Hampshire	$1,085	$360	−28%	S60 in NH
New Jersey	$1,795	$835	+18%	S60 in NJ
New Mexico	$1,365	$465	−10%	S60 in NM
New York	$2,005	$830	+32%	S60 in NY
North Carolina	$1,150	$400	−24%	S60 in NC
North Dakota	$1,000	$245	−34%	S60 in ND
Ohio	$1,090	$360	−28%	S60 in OH
Oklahoma	$1,385	$420	−9%	S60 in OK
Oregon	$1,340	$555	−12%	S60 in OR
Pennsylvania	$1,335	$380	−12%	S60 in PA
Rhode Island	$1,810	$730	+19%	S60 in RI
South Carolina	$1,600	$650	+6%	S60 in SC
South Dakota	$1,200	$280	−21%	S60 in SD
Tennessee	$1,275	$400	−16%	S60 in TN
Texas	$1,810	$615	+19%	S60 in TX
Utah	$1,360	$580	−10%	S60 in UT
Vermont	$1,005	$285	−34%	S60 in VT
Virginia	$1,305	$560	−14%	S60 in VA
Washington	$1,305	$525	−14%	S60 in WA
West Virginia	$1,285	$390	−15%	S60 in WV
Wisconsin	$1,050	$330	−31%	S60 in WI
Wyoming	$1,225	$290	−19%	S60 in WY

Volvo S60 insurance by driver profile

Estimated annual Volvo S60 premium by driver (national average rates)
Driver	Minimum	Standard	Full coverage	Full / month
Teen driver (18, own policy)	$1,505	$2,180	$4,165	$347
Young adult (22)	$875	$1,270	$2,425	$202
Adult in their 30s	$545	$790	$1,515	$126
Adult in their 50s	$505	$730	$1,395	$116
Senior (72)	$610	$885	$1,695	$141
30s, one at-fault accident	$790	$1,150	$2,195	$183
30s, DUI on record	$1,010	$1,465	$2,805	$234

Volvo S60 vs. rivals

Model	Full coverage / yr	HLDI collision	HLDI comprehensive	Comparison
Volvo S60	$1,515	110	108	—
Lexus ES	$1,590	121	108	Compare
Jaguar XJ	$1,480	—	—	Compare
Infiniti G37	$1,345	—	—	Compare

Estimate Volvo S60 insurance for your ZIP code

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State ZIP code or city (optional) Driver age Vehicle make Model Coverage Driving record Annual mileage

Estimated annual premium

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Per month

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Other Volvo models

EX60 $1,895/yr
EX90 $1,870/yr
XC60 $1,275/yr
XC90 $1,410/yr
EC40 $1,850/yr
EX30 $1,850/yr
EX40 $1,850/yr
S90 $1,695/yr
V60 $1,255/yr
V90 $1,475/yr
XC40 $1,210/yr
C40 $1,375/yr
S80 $1,350/yr
XC70 $1,205/yr
C30 $1,345/yr
C70 $1,345/yr
S40 $1,345/yr
V50 $1,200/yr
V70 $1,200/yr

All Volvo insurance costs →

Frequently asked questions

How much is insurance for a Volvo S60?

We estimate about $1,515 a year ($126 a month) for full coverage and $545 for state-minimum liability, for a driver in their 30s with a clean record at national-average rates. That is 5% less than the average vehicle.

Is the Volvo S60 expensive to insure?

HLDI insurance-loss data rates it at 110 for collision and 108 for comprehensive losses (100 = average of all vehicles), meaning collision losses are worse than average.

Which state is cheapest to insure a Volvo S60?

Maine has the lowest estimate (about $975 a year for full coverage) and Florida the highest (about $2,115).

What is the Volvo S60's NHTSA safety rating?

The 2025 Volvo S60 earned 5 out of 5 stars overall in NHTSA crash testing. Better crash protection can lower injury-claim costs.

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

By our estimate the Volvo S60 costs about $1,515 a year versus $1,630 for the Lexus ES, making it the cheaper of the two to insure.

How much is Volvo S60 insurance for a teen driver?

An 18-year-old on their own full-coverage policy would pay about $4,165 a year at national-average rates by our estimate.

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