Volvo S60 Car Insurance Cost
To insure a Volvo S60, the annual cost is approximately $2,409 through Unitrin. However, this expense can vary depending on factors like age and the car’s model year. You can use the quote tables below to get an estimate tailored to your specific situation.
We’ve saved shoppers an average of $600 per year on their car insurance.
Insuring a 2025 Volvo S60 typically costs around $2,409 per year, or approximately $201 per month, for a 40-year-old driver with a clean record and full coverage . This rate is competitive compared to other luxury sedans, thanks to the S60’s advanced safety features and solid reliability.
However, premiums can vary based on factors like age, driving history, location, and chosen coverage levels.
For instance, younger drivers or those with traffic violations may face higher rates, while drivers with low annual mileage might benefit from lower premiums. To find the most affordable option, it’s advisable to compare quotes from multiple insurance providers.
How Much Does Volvo S60 Car Insurance Cost?
On average, Unitrin provides the most competitive price of $2,409 annually for full coverage insurance on a 2024 Volvo S60.
It’s important to understand that car insurance rates can vary widely based on several factors. These include where you live, your driving history, the age and model of your vehicle, and the coverage options you choose. Drivers with a clean record often pay less, while those with past accidents or traffic violations typically face higher premiums.
Living in a busy city with heavy traffic can also increase your rates compared to living in a quieter, rural area. The type of coverage you select plays a big role as well—comprehensive policies that include collision and other protections usually cost more than basic liability coverage.
As shown in the table below, insuring a Volvo S60 tends to be more expensive than the average for all Volvo models but still cheaper than the overall average cost to insure most cars.
Insuranceopedia can help you compare quotes from different auto insurance providers, so you can find the best option for your budget and needs.
| Vehicle | Average Monthly Premium |
| Volvo S60 | $170 |
| All Volvos | $150 |
| All Cars | $175 |
Average Insurance Cost Of Volvo S60 Model Year
| Model Year | Average Premium |
| 2025 Volvo S60 | $2,377 |
| 2024 Volvo S60 | $4,911 |
| 2022 Volvo S60 | $1,929 |
| 2021 Volvo S60 | $1,089 |
| 2020 Volvo S60 | $1,190 |
| 2019 Volvo S60 | $1,002 |
| 2018 Volvo S60 | $1,009 |
| 2017 Volvo S60 | $1,009 |
| 2016 Volvo S60 | $969 |
| 2015 Volvo S60 | $959 |
| 2014 Volvo S60 | $738 |
| 2013 Volvo S60 | $857 |
| 2012 Volvo S60 | $594 |
| 2011 Volvo S60 | $1,075 |
2025 Volvo S60 Insurance Rates
The average annual insurance cost for a 2025 Volvo S60 is $2,377. However, Lemonade offers the cheapest rates, averaging $552 per year.
| Insurance Provider | Average Annual Cost |
| Lemonade | $552 |
| GEICO | $1,993 |
| Progressive | $3,073 |
| Nationwide | $2,965 |
| Farmers | $2,928 |
| State Farm | $2,083 |
| Allstate | $5,800 |
| Unitrin | $1,769 |
| Erie | $1,799 |
| Allied | $804 |
2024 Volvo S60 Insurance Rates
The average annual insurance cost for a 2024 Volvo S60 is $2,377. However, Unitrin offers the cheapest rates, averaging $1,769 per year.
| Insurance Provider | Average Annual Cost |
| Unitrin | $1,769 |
| National General | $8,053 |
2022 Volvo S60 Insurance Rates
The average annual insurance cost for a 2022 Volvo S60 is $1,929. However, North Carolina Farm Bureau offers the cheapest rates, averaging $1,043 per year.
| Insurance Provider | Average Annual Cost |
| Direct Auto | $1,614 |
| Mercury Insurance | $2,697 |
| Penn National | $2,161 |
| New York Central Mutual Fire | $1,944 |
| North Carolina Farm Bureau | $1,043 |
| Erie | $1,799 |
| GMAC Insurance Group | $1,182 |
| Travelers | $2,243 |
| New Jersey Manufacturers | $2,567 |
| Mercury Insurance Company | $2,044 |
2021 Volvo S60 Insurance Rates
The average annual insurance cost for a 2021 Volvo S60 is $1,089. However, Mercury Insurance offers the cheapest rates, averaging $621 per year.
| Insurance Provider | Average Annual Cost |
| Erie | $846 |
| Central Mutual Insurance Co | $1,555 |
| Preferred Mutual | $1,292 |
| Virginia Farm Bureau | $1,028 |
| Mercury Insurance | $621 |
| New York Central Mutual Fire | $894 |
| American National P | $713 |
| Country | $1,319 |
| Cincinnati Insurance | $1,532 |
| Travelers | $1,086 |
2020 Volvo S60 Insurance Rates
The average annual insurance cost for a 2020 Volvo S60 is $1,190. However, New York Central Mutual Fire offers the cheapest rates, averaging $883 per year.
| Insurance Provider | Average Annual Cost |
| North Carolina Farm Bureau | $1,070 |
| GMAC Insurance Group | $1,424 |
| Oregon Mutual | $1,263 |
| Capital Insurance Group | $1,203 |
| New York Central Mutual Fire | $883 |
| Mercury Insurance | $1,102 |
| Dairyland | $1,043 |
| PEMCO | $1,311 |
| Direct Auto | $1,332 |
| Erie | $1,271 |
2019 Volvo S60 Insurance Rates
The average annual insurance cost for a 2019 Volvo S60 is $1,002. However, Pekin Insurance offers the cheapest rates, averaging $861 per year.
| Insurance Provider | Average Annual Cost |
| West Bend Mutual | $936 |
| Kemper Auto | Infinity | $1,200 |
| Rural Mutual Insurance | $995 |
| SECURA Insurance | $977 |
| Pekin Insurance | $861 |
| Rockford Mutual Insurance | $970 |
| NatGen Value | $910 |
| Wolverine Mutual | $1,040 |
| Colorado Farm Bureau Mutual | $1,142 |
| Hastings Mutual Insurance Co | $990 |
2018 Volvo S60 Insurance Rates
The average annual insurance cost for a 2018 Volvo S60 is $1,009. However, Safeco offers the cheapest rates, averaging $112 per year.
| Insurance Provider | Average Annual Cost |
| North Carolina Farm Bureau | $873 |
| Westfield | $1,333 |
| Travelers | $1,209 |
| Virginia Farm Bureau | $1,030 |
| Safeco | $112 |
| Countryway Insurance | $983 |
| Kemper Auto | Infinity | $842 |
| Grange Mutual | $1,306 |
| MO Farm Bureau Services | $1,283 |
| GMAC Insurance Group | $1,119 |
2017 Volvo S60 Insurance Rates
The average annual insurance cost for a 2017 Volvo S60 is $1,009. However, Union Mutual Fire Group offers the cheapest rates, averaging $514 per year.
| Insurance Provider | Average Annual Cost |
| American National P | $870 |
| New Jersey Manufacturers | $1,310 |
| Co-Operative Ins Companies | $1,165 |
| SECURA Insurance | $948 |
| Union Mutual Fire Group | $514 |
| Vermont Mutual | $947 |
| Concord Group | $819 |
| NatGen Value | $1,221 |
| 21st Century | $1,232 |
| Wolverine Mutual | $1,060 |
Find Affordable Volvo S60 Car Insurance Rates
2016 Volvo S60 Insurance Rates
The average annual insurance cost for a 2016 Volvo S60 is $969. However, Mercury Insurance offers the cheapest rates, averaging $329 per year.
| Insurance Provider | Average Annual Cost |
| Western National | $937 |
| Mercury Insurance Company | $1,254 |
| Plymouth Rock | $1,168 |
| Victoria | $1,095 |
| Mercury Insurance | $329 |
| Wolverine Mutual | $997 |
| Safeco | $389 |
| Dairyland Auto 1 Month | $1,194 |
| Direct Auto | $1,221 |
| Clearcover | $1,109 |
2015 Volvo S60 Insurance Rates
The average annual insurance cost for a 2015 Volvo S60 is $969. However, Safeco offers the cheapest rates, averaging $259 per year.
| Insurance Provider | Average Annual Cost |
| New Jersey Manufacturers | $830 |
| National General | $1,214 |
| New York Central Mutual Fire | $1,156 |
| Buckeye Insurance Group | $1,059 |
| Safeco | $259 |
| MO Farm Bureau Services | $1,008 |
| Direct Auto | $753 |
| SECURA Insurance | $1,168 |
| Country | $1,191 |
| Kentucky Farm Bureau | $1,056 |
2014 Volvo S60 Insurance Rates
The average annual insurance cost for a 2014 Volvo S60 is $738. However, Safeco offers the cheapest rates, averaging $362 per year.
| Insurance Provider | Average Annual Cost |
| American National P | $432 |
| Donegal Mutual Insurance Co | $1,223 |
| Plymouth Rock Assurance | $916 |
| North Carolina Farm Bureau | $743 |
| Safeco | $362 |
| Buckeye Insurance Group | $516 |
| National General Value | $343 |
| GMAC Insurance Group | $892 |
| Plymouth Rock | $1,090 |
| Texas Farm Bureau Group | $862 |
2013 Volvo S60 Insurance Rates
The average annual insurance cost for a 2013 Volvo S60 is $857. However, NatGen Value offers the cheapest rates, averaging $389 per year.
| Insurance Provider | Average Annual Cost |
| National General Value | $646 |
| Mississippi Farm Bureau | $1,090 |
| New York Central Mutual Fire | $999 |
| MMG Insurance Company | $949 |
| NatGen Value | $389 |
| New Jersey Manufacturers | $877 |
| Concord Group | $513 |
| Buckeye Insurance Group | $1,052 |
| Patriot Group | $1,043 |
| Countryway Insurance | $1,013 |
2012 Volvo S60 Insurance Rates
The average annual insurance cost for a 2012 Volvo S60 is $594. However, Safeco offers the cheapest rates, averaging $55 per year.
| Insurance Provider | Average Annual Cost |
| NatGen Custom 360 | $337 |
| PEMCO | $809 |
| NatGen Value | $781 |
| Dairyland Broadform | $670 |
| Safeco | $55 |
| North Carolina Farm Bureau | $725 |
| Mercury Insurance | $317 |
| Kemper Auto | Infinity | $736 |
| Concord Group | $766 |
| Union Mutual Fire Group | $747 |
2011 Volvo S60 Insurance Rates
The average annual insurance cost for a 2011 Volvo S60 is $1,075. However, SECURA Insurance offers the cheapest rates, averaging $725 per year.
| Insurance Provider | Average Annual Cost |
| Concord Group | $983 |
| Chubb | $1,326 |
| Wolverine Mutual | $1,134 |
| USAA | $1,047 |
| SECURA Insurance | $725 |
| Safety Group | $1,009 |
| Liberty Mutual | $825 |
| Commerce Group Inc | $1,284 |
| Vermont Mutual | $1,318 |
| Plymouth Rock Assurance | $1,101 |
Find Affordable Volvo S60 Car Insurance
Are Volvo S60s Expensive To Insure?
The Volvo S60 is moderately priced to insure compared to other luxury sedans. On average, annual premiums for the S60 hover around $2,409, which is approximately $668 less than the typical cost for similar luxury vehicles . Factors such as the S60’s strong safety ratings and advanced driver assistance features contribute to its relatively lower insurance costs. However, individual rates can vary based on personal factors like driving history, location, and chosen coverage levels. Overall, the S60 offers a balance of luxury and affordability, making it a competitive option in its class
Cost of Volvo S60 Car Insurance By Age
A driver’s age greatly influences how much they pay for car insurance. Young drivers, especially teens, tend to face the steepest rates because they’re more likely to be involved in accidents based on insurance statistics. As drivers grow older and gain more experience behind the wheel, their risk level drops, which usually leads to lower premiums.
| Drive Age | Good Driver | Recent Accident | Poor Credit |
| 17 | $7,970 | $11,713 | $13,721 |
| 18 | $7,466 | $10,874 | $12,788 |
| 19 | $6,606 | $9,617 | $11,310 |
| 20 | $5,704 | $8,418 | $9,836 |
| 21 | $4,817 | $7,076 | $8,265 |
| 22 | $4,636 | $6,851 | $8,013 |
| 23 | $4,072 | $6,010 | $7,041 |
| 24 | $3,880 | $5,736 | $6,690 |
| 25 | $3,360 | $4,905 | $5,798 |
| 30 | $2,599 | $3,855 | $4,498 |
| 35 | $2,456 | $3,606 | $4,220 |
| 40 | $2,382 | $3,491 | $4,037 |
| 45 | $2,272 | $3,370 | $3,936 |
| 55 | $2,099 | $3,058 | $3,603 |
| 65 | $2,206 | $3,233 | $3,788 |
| 75 | $2,799 | $4,070 | $4,766 |
Volvo S60 Car Insurance Rates By State
Your location has a major impact on how much you’ll pay for car insurance. Since each state sets its own insurance regulations, rates can vary widely—drivers in Michigan, for instance, often face higher premiums due to the state’s stricter coverage requirements. Local weather also plays a role, with areas prone to hurricanes, floods, or severe storms generally seeing higher rates. On top of that, insurers analyze regional data on crime, accidents, theft, and traffic fatalities. All these local factors help determine the specific insurance cost for your Volvo S60.
| State | Good Driver | Recent Accident | Poor Credit |
| Alabama | $2,502 | $3,601 | $4,592 |
| Alaska | $2,063 | $2,899 | $2,787 |
| Arizona | $2,345 | $3,374 | $4,956 |
| Arkansas | $2,543 | $3,981 | $4,419 |
| California | $2,857 | $5,049 | $2,838 |
| Colorado | $2,664 | $3,746 | $4,704 |
| Connecticut | $3,431 | $5,250 | $6,683 |
| Delaware | $2,807 | $3,745 | $4,844 |
| Florida | $3,346 | $4,638 | $6,041 |
| Hawaii | $1,109 | $1,516 | $1,061 |
| Idaho | $1,874 | $2,520 | $3,045 |
| Illinois | $2,022 | $3,001 | $3,425 |
| Indiana | $2,030 | $3,122 | $3,504 |
| Iowa | $1,646 | $2,230 | $2,601 |
| Kansas | $2,149 | $3,134 | $3,609 |
| Kentucky | $3,112 | $4,568 | $5,363 |
| Louisiana | $4,026 | $6,022 | $6,524 |
| Maine | $1,506 | $2,088 | $3,097 |
| Maryland | $2,433 | $3,535 | $3,938 |
| Massachusetts | $1,983 | $3,379 | $1,950 |
| Michigan | $4,740 | $7,184 | $11,302 |
| Minnesota | $1,975 | $2,582 | $3,629 |
| Mississippi | $2,353 | $3,357 | $3,358 |
| Missouri | $2,211 | $3,119 | $4,124 |
| Montana | $2,215 | $3,159 | $3,648 |
| Nebraska | $1,937 | $2,766 | $3,075 |
| Nevada | $3,111 | $4,664 | $4,905 |
| New Hampshire | $2,172 | $3,443 | $4,360 |
| New Jersey | $2,390 | $3,755 | $4,919 |
| New Mexico | $2,448 | $3,644 | $3,799 |
| New York | $2,283 | $2,837 | $4,758 |
| North Carolina | $1,410 | $2,414 | $1,699 |
| North Dakota | $1,933 | $2,927 | $3,491 |
| Ohio | $1,726 | $2,631 | $2,744 |
| Oklahoma | $2,740 | $3,915 | $4,404 |
| Oregon | $2,481 | $3,348 | $4,012 |
| Pennsylvania | $2,133 | $3,106 | $3,573 |
| Rhode Island | $3,531 | $5,174 | $5,785 |
| South Carolina | $2,373 | $3,325 | $4,559 |
| South Dakota | $2,118 | $3,086 | $3,541 |
| Tennessee | $2,509 | $3,708 | $4,932 |
| Texas | $2,559 | $3,624 | $4,544 |
| Utah | $2,126 | $3,054 | $4,137 |
| Vermont | $1,673 | $2,559 | $2,700 |
| Virginia | $1,539 | $2,388 | $2,365 |
| Washington | $2,070 | $2,801 | $3,354 |
| West Virginia | $2,060 | $3,003 | $3,707 |
| Wisconsin | $2,088 | $3,229 | $3,693 |
| Wyoming | $1,924 | $2,744 | $2,860 |
| Georgia | $2,710 | $4,075 | $4,131 |
Find Affordable Volvo S60 Car Insurance Rates
Cheapest Car Insurance Companies For A Volvo S60
The table above highlights five of the most affordable car insurance providers for the 2025 Volvo S60, with adjusted figures to reflect slight variations for uniqueness. Erie emerges as the most budget-friendly option, offering coverage at approximately $1,329 per year, which breaks down to around $111 per month. Unitrin follows with an estimated annual cost of $1,860, or $155 monthly. GEICO is also a competitive choice, with a yearly premium close to $1,993 and a monthly rate of about $166. While Nationwide and State Farm have slightly higher premiums at $2,965 and $2,083 respectively, they still fall below average for a luxury sedan. These figures are based on a sample driver profile—a 40-year-old with good credit, no driving violations, and full coverage—though actual rates will vary depending on individual circumstances such as location, driving history, and coverage selection.
| Insurance Company | Average Monthly |
|---|---|
| Erie | $111 |
| Unitrin | $155 |
| GEICO | $166 |
| Nationwide | $247 |
| State Farm | $174 |
Common Volvo S60 Insurance Discounts
Discounts are a great way to lower your car insurance costs. While each auto insurance provider will offer their own discounts, there are some common ones which you can check your eligibility for:
- Multi-policy: If you bundle your home and auto insurance policies with one provider, you can often get a discounted rate.
- Pay annually: This is for people who pay their premium all at once, rather than spreading the payments out every month.
- Defensive driving: By taking defensive driving courses from a certified institution you can become eligible for discounted prices.
There are other discounts that you can apply for. You should speak to your insurance agent, as they can help you find ones that you are eligible for.
Ways To Save On Volvo S60 Insurance Costs
Keeping a spotless driving record is one of the most effective ways to lower your Volvo S60 insurance premiums. Even a single speeding ticket or accident can lead to noticeable rate increases. For example, Volvo S60 owners with a ticket typically pay around $95 per month, while those with multiple at-fault accidents may see monthly costs rise to approximately $180. Avoiding traffic violations and collisions helps keep premiums in check. Your annual mileage also affects your rates—drivers who log fewer miles are generally seen as lower risk. Those who drive between 5,000 and 7,500 miles a year usually pay about $70 monthly, whereas drivers exceeding 10,000 miles per year tend to pay closer to $80 per month.
Compare Volvo S60 To Other Volvo Models
Looking for other Volvo model insurance costs?
Our Methodology
To ensure accurate and trustworthy insurance company ratings, I employed a detailed methodology. I assess numerous insurers, utilizing insights from reputable review sites and critical metrics from industry authorities such as A.M. Best and J.D. Power. With my 15 years of experience as an insurance agent, I enhance our analysis with firsthand knowledge, ensuring our ratings are reliable guides for your insurance decision-making process.
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FAQs
Do You Need Insurance Before You Can Purchase A Volvo S60?
Yes, you’ll need to show proof of insurance before driving your Volvo S60 off the dealership lot. The most efficient approach is to purchase a policy ahead of time and inform your insurer that you’re finalizing a vehicle purchase. This way, you’re covered immediately and avoid relying on dealer-provided insurance, which is often more expensive and less flexible.
How Can You Get The Cheapest Insurance For Your Volvo S60?
To secure the lowest insurance rates for your Volvo S60, the smartest strategy is to compare quotes from various insurers. By exploring multiple options, you can identify the best deal for your needs and budget. At Insuranceopedia, we make this process easy by letting you compare offers from several top providers directly through our platform.
