Volvo XC60 Insurance Cost

Full coverage for a Volvo XC60 costs about $1,275 a year ($106/month) by our estimate — ▼ −20% versus the average vehicle, ranking 18th cheapest of 310 current models.

Volvo XC60 exterior (photo from Wikimedia Commons) — Photo: Vauxford, 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 XC60 insurance cost at a glance

Full coverage

$1,275

$106/mo · $1,045–$1,505

Minimum liability

$435

$36/mo

Segment

Luxury SUV

Gasoline, Hybrid, Plug-in hybrid

HLDI collision losses

Much better than average (100 = avg)

NHTSA overall

★★★★★

2026 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 2027 model year. Our vehicle data covers the 2009–2027 model years of the Volvo XC60.

Estimated Volvo XC60 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.	$435	$36	$355–$515
Standard liability (100/300/100)	Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car.	$630	$53	$515–$745
Full coverage	Standard liability plus collision and comprehensive, typically required on a financed or leased car.	$1,275	$106	$1,045–$1,505

What drives the cost of insuring a Volvo XC60

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 XC60's results put our vehicle factor at 0.71× for liability, 0.89× for collision and 0.99× for comprehensive.

HLDI relative insurance losses — Volvo XC60 4dr 4WD (Midsize Luxury SUVs)
Coverage	Index	Rating	What it measures
Collision	80	Much better than average	Damage to this car in crashes; driven by repair costs and crash frequency
Comprehensive	93	Better than average	Theft, vandalism, glass, weather and animal damage
Property damage liability	65	Much better than average	Damage this car does to other vehicles and property
Bodily injury liability	47	Much better than average	Injuries to people in other vehicles (claim frequency)
Personal injury protection	57	Much better than average	Injuries to occupants of this car (claim frequency)
Medical payments	53	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 XC60 4dr 4WD	80	93	65	47
Volvo XC60 plug-in hybrid 4dr 4WD	95	90	73	50
Volvo XC60 plug-in hybrid Polestar 4dr 4WD	105	—	—	—

Repair and parts costs: Luxury SUV from a luxury brand — premium parts, sensors and labor rates raise collision claims.
Safety: 5-star NHTSA overall rating (frontal 5★, side 5★, rollover 4★) — better occupant protection lowers injury-claim costs.
Recalls & complaints: 5 NHTSA recall campaigns and 50 owner complaints across its latest three model years. Recalls don't change premiums directly, but open recalls should be fixed.

Volvo XC60 trims and configurations (2027)

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.)
XC60 B5 AWD	AWD	2.0L 4-cyl Turbo Hybrid	26

Volvo XC60 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
2027	2.0L 4-cyl Turbo Hybrid	AWD	26	$1,275
2026	2.0L 4-cyl Turbo Hybrid, 2.0L 4-cyl Turbo Plug-in Hybrid	AWD	26–28	$1,250
2025	2.0L 4-cyl Turbo Hybrid, 2.0L 4-cyl Turbo Plug-in Hybrid	AWD	26–28	$1,220
2024	2.0L 4-cyl Turbo Hybrid, 2.0L 4-cyl Turbo Plug-in Hybrid	AWD	25–28	$1,190
2023	2.0L 4-cyl Turbo Hybrid, 2.0L 4-cyl Turbo Plug-in Hybrid, 2.0L 4-cyl Turbo Supercharged Hybrid	AWD, FWD	23–28	$1,160
2022	2.0L 4-cyl Turbo, 2.0L 4-cyl Turbo Plug-in Hybrid, 2.0L 4-cyl Turbo Supercharged	AWD, FWD	24–28	$1,130
2021	2.0L 4-cyl Turbo, 2.0L 4-cyl Turbo Supercharged, 2.0L 4-cyl Turbo Supercharged Plug-in Hybrid	AWD, FWD	23–27	$1,100
2020	2.0L 4-cyl Turbo, 2.0L 4-cyl Turbo Supercharged, 2.0L 4-cyl Turbo Supercharged Plug-in Hybrid	AWD, FWD	23–27	$1,075
2019	2.0L 4-cyl Turbo, 2.0L 4-cyl Turbo Supercharged, 2.0L 4-cyl Turbo Supercharged Plug-in Hybrid	AWD, FWD	22–26	$1,045
2018	2.0L 4-cyl Turbo, 2.0L 4-cyl Turbo Supercharged, 2.0L 4-cyl Turbo Supercharged Plug-in Hybrid	AWD	23–26	$1,015
2017	2.0L 4-cyl Turbo, 2.0L 4-cyl Turbo Supercharged	AWD, FWD	22–26	$985
2016	2.0L 4-cyl Turbo, 2.0L 4-cyl Turbo Supercharged, 2.5L 5-cyl Turbo	AWD, FWD	20–26	$955
2015	2.0L 4-cyl Turbo, 2.0L 4-cyl Turbo Supercharged, 2.5L 5-cyl Turbo	AWD, FWD	20–27	$955
2014	3.0L 6-cyl Turbo, 3.2L 6-cyl	AWD, FWD	20–21	$955
2013	3.0L 6-cyl Turbo, 3.2L 6-cyl	AWD, FWD	20–21	$955
2012	3.0L 6-cyl Turbo, 3.2L 6-cyl	AWD, FWD	20–21	$955
2011	3.0L 6-cyl Turbo, 3.2L 6-cyl	AWD, FWD	19–21	$955
2010	3.0L 6-cyl Turbo, 3.2L 6-cyl	AWD, FWD	18–21	$955
2009	3.0L 6-cyl Turbo	4WD/AWD	18	$955

Volvo XC60 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 XC60 page for that state.

State	Full coverage	Minimum	vs. national	XC60 page
Alabama	$1,130	$340	−11%	XC60 in AL
Alaska	$1,120	$440	−12%	XC60 in AK
Arizona	$1,335	$470	+5%	XC60 in AZ
Arkansas	$1,160	$320	−9%	XC60 in AR
California	$1,250	$405	−2%	XC60 in CA
Colorado	$1,490	$460	+17%	XC60 in CO
Connecticut	$1,330	$505	+4%	XC60 in CT
Delaware	$1,380	$570	+8%	XC60 in DE
District of Columbia	$1,610	$525	+26%	XC60 in DC
Florida	$1,750	$765	+37%	XC60 in FL
Georgia	$1,540	$620	+21%	XC60 in GA
Hawaii	$880	$310	−31%	XC60 in HI
Idaho	$870	$285	−32%	XC60 in ID
Illinois	$1,120	$355	−12%	XC60 in IL
Indiana	$920	$285	−28%	XC60 in IN
Iowa	$915	$220	−28%	XC60 in IA
Kansas	$1,070	$285	−16%	XC60 in KS
Kentucky	$1,075	$375	−16%	XC60 in KY
Louisiana	$1,760	$560	+38%	XC60 in LA
Maine	$825	$300	−35%	XC60 in ME
Maryland	$1,415	$535	+11%	XC60 in MD
Massachusetts	$1,250	$420	−2%	XC60 in MA
Michigan	$1,395	$545	+9%	XC60 in MI
Minnesota	$1,100	$335	−14%	XC60 in MN
Mississippi	$1,250	$375	−2%	XC60 in MS
Missouri	$1,185	$365	−7%	XC60 in MO
Montana	$1,070	$280	−16%	XC60 in MT
Nebraska	$1,070	$285	−16%	XC60 in NE
Nevada	$1,400	$615	+10%	XC60 in NV
New Hampshire	$915	$285	−28%	XC60 in NH
New Jersey	$1,485	$665	+16%	XC60 in NJ
New Mexico	$1,160	$370	−9%	XC60 in NM
New York	$1,670	$660	+31%	XC60 in NY
North Carolina	$980	$315	−23%	XC60 in NC
North Dakota	$875	$195	−31%	XC60 in ND
Ohio	$925	$285	−27%	XC60 in OH
Oklahoma	$1,190	$335	−7%	XC60 in OK
Oregon	$1,120	$445	−12%	XC60 in OR
Pennsylvania	$1,135	$300	−11%	XC60 in PA
Rhode Island	$1,505	$580	+18%	XC60 in RI
South Carolina	$1,345	$520	+5%	XC60 in SC
South Dakota	$1,060	$225	−17%	XC60 in SD
Tennessee	$1,080	$320	−15%	XC60 in TN
Texas	$1,545	$490	+21%	XC60 in TX
Utah	$1,130	$465	−11%	XC60 in UT
Vermont	$855	$225	−33%	XC60 in VT
Virginia	$1,100	$445	−14%	XC60 in VA
Washington	$1,090	$420	−15%	XC60 in WA
West Virginia	$1,100	$310	−14%	XC60 in WV
Wisconsin	$895	$265	−30%	XC60 in WI
Wyoming	$1,080	$230	−15%	XC60 in WY

Volvo XC60 insurance by driver profile

Estimated annual Volvo XC60 premium by driver (national average rates)
Driver	Minimum	Standard	Full coverage	Full / month
Teen driver (18, own policy)	$1,195	$1,735	$3,510	$293
Young adult (22)	$695	$1,010	$2,045	$170
Adult in their 30s	$435	$630	$1,275	$106
Adult in their 50s	$400	$580	$1,175	$98
Senior (72)	$485	$705	$1,430	$119
30s, one at-fault accident	$630	$915	$1,850	$154
30s, DUI on record	$805	$1,165	$2,360	$197

Volvo XC60 vs. rivals

Model	Full coverage / yr	HLDI collision	HLDI comprehensive	Comparison
Volvo XC60	$1,275	80	93	—
Acura MDX	$1,270	82	82	Compare
Acura RDX	$1,230	72	74	Compare
Audi Q3	$1,440	97	85	Compare

Estimate Volvo XC60 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
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
S60 $1,515/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 XC60?

We estimate about $1,275 a year ($106 a month) for full coverage and $435 for state-minimum liability, for a driver in their 30s with a clean record at national-average rates. That is 20% less than the average vehicle.

Is the Volvo XC60 expensive to insure?

HLDI insurance-loss data rates it at 80 for collision and 93 for comprehensive losses (100 = average of all vehicles), meaning collision losses are much better than average.

Which state is cheapest to insure a Volvo XC60?

Maine has the lowest estimate (about $825 a year for full coverage) and Louisiana the highest (about $1,760).

What is the Volvo XC60's NHTSA safety rating?

The 2026 Volvo XC60 earned 5 out of 5 stars overall in NHTSA crash testing. Better crash protection can lower injury-claim costs.

Is the Volvo XC60 cheaper to insure than the Acura MDX?

By our estimate the Volvo XC60 costs about $1,275 a year versus $1,295 for the Acura MDX, making it the cheaper of the two to insure.

How much is Volvo XC60 insurance for a teen driver?

An 18-year-old on their own full-coverage policy would pay about $3,510 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