Best Volvo S60 Car Insurance in 2025 (Check Out These 10 Companies)

State Farm, Geico, and Progressive emerge as the top choices for the best Volvo S60 car insurance, offering exceptional value and coverage.

These companies excel in providing comprehensive plans tailored to the Volvo S60, ensuring both affordability and extensive protection.

Our Top 10 Company Picks: Best Volvo S60 Car Insurance

Their competitive rates and solid customer service set them apart. Choose these providers for optimal Volvo S60 coverage. See more details on our article called “Compare Car Insurance by Coverage Type.”

Find cheap car insurance quotes by entering your ZIP code above.

#1 – State Farm: Top Overall Pick

Pros

• Significant Multi-Vehicle Savings: State Farm delivers a notable 16% reduction for insuring multiple vehicles, including the Volvo S60. This incentive is crafted to make coverage more economical for families or individuals with several cars, potentially leading to considerable overall savings.
• Substantial Low-Mileage Rebate: For those who drive their Volvo S60 infrequently, State Farm offers a considerable rebate, rewarding minimal mileage usage. This can be especially beneficial for those who use their vehicles mainly for leisure or short trips. See more details on our guide titled State farm car insurance review.
• Diverse Coverage Options: State Farm excels in presenting a broad range of coverage alternatives. Whether you require basic liability or more comprehensive protection for your Volvo S60, their policies can be adjusted to meet varied needs and preferences, ensuring that you receive the appropriate level of coverage for your particular situation.

Cons

• Less Competitive Multi-Policy Rebate: Although the 16% multi-vehicle discount is generous, it might not be as extensive as some competitors’ offers. This could be a disadvantage if you seek the maximum possible savings on insurance for multiple Volvo S60s.
• Potentially Higher Premiums: In spite of the available rebates, the overall premiums with State Farm might still be comparatively higher than some other providers. This could be a concern if budget constraints are a significant factor in your decision-making process.

#2 – USAA: Best for Military Savings

Pros

• Exclusive Military Rebates: USAA offers a 15% discount for insuring multiple vehicles, including the Volvo S60, exclusively for military members and their families. This specialized rebate provides exceptional value for those serving in the armed forces, acknowledging their unique situation.
• Top-Rated Financial Strength: With an A++ rating from A.M. Best, USAA stands out for its extraordinary financial stability. This high rating highlights the company’s ability to meet its financial commitments and provide dependable support for Volvo S60 owners, ensuring confidence in the event of claims.
• Tailored Military Benefits: USAA’s policies are specifically crafted to address military needs, offering advantages that cater to the unique lifestyle and requirements of service members. This tailored approach can provide added value for those who own a Volvo S60 and are currently serving or have served in the military. Check out insurance savings in our complete article called USAA car insurance review.

Cons

• Restricted Membership Access: USAA’s services are available solely to military personnel, veterans, and their families. This exclusivity means that civilians or non-military Volvo S60 owners do not have access to USAA’s competitive rates and benefits.
• Relatively Lower Multi-Vehicle Rebate: While the 15% discount is beneficial, it is not the highest available in the market. For those with several Volvo S60s, this might limit the potential for greater savings compared to insurers offering more substantial rebates.

#3 – AAA: Best for Online App

Pros

• Advanced Digital Management: AAA provides a highly efficient and user-friendly online application for managing insurance policies. This convenience is particularly advantageous for Volvo S60 owners who prefer handling their insurance needs digitally, allowing straightforward access to policy details and management tools.
• Generous Multi-Vehicle Discount: With an impressive 18% reduction for insuring multiple Volvo S60s, AAA offers one of the most attractive savings options in the industry. This substantial discount makes it an appealing choice for those with several vehicles.
• Strong A Rating: AAA’s A rating from A.M. Best reflects solid financial stability and dependability. This rating assures Volvo S60 drivers of the insurer’s ability to handle claims and provide consistent support. More information is available about this provider in our article called “AAA Car Insurance Review.”

Cons

• Limited Additional Rebates: Although the 18% multi-vehicle discount is competitive, AAA may not provide as many additional rebates or incentives as some other insurers. This could impact the overall savings potential for Volvo S60 drivers.
• Possible Limitations in Customization: The emphasis on the digital application might result in fewer opportunities for personalized service compared to insurers with more extensive options for customizing policies through direct agent interactions.

#4 – Erie: Best for 24/7 Support

Pros

• 24/7 Customer Assistance: Erie is distinguished by its around-the-clock customer support, offering continuous help for Volvo S60 owners. This feature is invaluable for those needing assistance or information at any hour, ensuring that support is consistently available when required.
• Reliable Multi-Vehicle Discount: Erie provides a 12% rebate for insuring multiple Volvo S60s. While not the highest in the market, this discount is still notable and contributes to lowering overall insurance costs.
• Solid A+ Rating: With an A+ rating from A.M. Best, Erie demonstrates strong financial stability and dependability. This high rating ensures that Volvo S60 drivers can trust the company’s financial health and claims handling capabilities. Check out insurance savings in our complete guide title “Erie Car Insurance Review.”

Cons

• Less Competitive Multi-Vehicle Rebate: The 12% discount, although advantageous, is lower compared to some higher rebates offered by competitors. This might be less appealing for those with several Volvo S60s seeking maximum savings.
• Potential Constraints in Coverage Options: Even with the excellent support, Erie’s range of coverage alternatives might be more limited compared to other insurers, potentially restricting choices for Volvo S60 owners looking for specific coverage features.

#5 – Farmers: Best for Local Agents

Pros

• Tailored Service from Local Agents: Farmers provides the benefit of working with local agents who offer customized advice and personalized service for Volvo S60 insurance. This local approach can enhance the insurance experience, ensuring that your specific needs are effectively addressed.
• Substantial Multi-Vehicle Discount: Farmers offers a generous 20% rebate for insuring multiple Volvo S60s, making it one of the leading choices for those with several vehicles. This discount can significantly reduce overall insurance costs.
• Strong A Rating: Farmers’ A rating from A.M. Best highlights the insurer’s solid financial stability and reliability. This high rating assures Volvo S60 owners of the company’s ability to handle claims and support effectively. Delve into our evaluation of Farmers car insurance review.

Cons

• Possibly Higher Premiums: Even with the high multi-vehicle discount, the overall premiums might still be higher compared to some other insurers. This could affect affordability for certain Volvo S60 owners.
• Variable Agent Quality: The quality of service provided by local agents can differ, which might lead to inconsistent experiences for Volvo S60 owners. This variability could impact overall satisfaction with Farmers’ insurance offerings.

#6 – Allstate: Best for Add-on Coverages

Pros

• Diverse Add-on Options: Allstate offers a broad range of add-on coverages, enabling comprehensive customization of insurance plans. This adaptability is particularly useful when configuring coverage specifically for the Volvo S60, ensuring that all particular requirements are addressed.
• Reasonable Multi-Vehicle Discount: With an 11% reduction for insuring multiple vehicles, Allstate provides a moderate discount. This offer is advantageous for households with several cars, including the Volvo S60, helping to lower total insurance expenses.
• Robust Financial Stability: An A+ rating from A.M. Best highlights Allstate’s strong financial stability and dependability. This high rating guarantees that Allstate is capable of supporting claims and delivering reliable coverage for the Volvo S60. Learn more in our article called “Allstate Car Insurance Review.”

Cons

• Discounts Compared to Competitors: While the 11% multi-vehicle discount is a positive feature, it is less generous compared to higher discounts provided by some rivals. For those seeking the greatest savings, this might be a limiting factor.
• Premium Costs May Be Higher: Against the available discounts, premium costs can still be relatively high. This could impact affordability, particularly for extensive coverage options for the Volvo S60.

#7 – Progressive: Best for Innovative Programs

Pros

• Innovative Insurance Solutions: Progressive is known for its cutting-edge insurance solutions, such as usage-based coverage and tailored policy options. These features are ideal for customizing coverage specifically for the Volvo S60, providing precise and adaptable insurance solutions.
• Substantial Multi-Vehicle Savings: Progressive offers a 14% discount for insuring multiple vehicles, which is significant in reducing costs. This discount is advantageous for those covering the Volvo S60 and additional vehicles, contributing to overall insurance affordability.
• Solid Financial Rating: An A+ rating from A.M. Best indicates Progressive’s robust financial health. This rating ensures that Progressive has the resources to handle claims and provide dependable coverage for the Volvo S60. More information is available about this provider in our Progressive car insurance review.

Cons

• Discounts Might Not Offset Costs: While the 14% multi-vehicle discount is considerable, it may not fully counterbalance the higher premiums associated with comprehensive coverage for the Volvo S60, potentially affecting overall value.
• Variability in Premiums: Premium costs can be higher in certain situations, even with discounts applied. This variability may influence the cost-effectiveness of insuring the Volvo S60.

#8 – Geico: Best for Custom Plan

Pros

• Highly Tailored Insurance Plans: Geico excels in offering highly adaptable insurance plans, allowing detailed adjustments to coverage for the Volvo S60. This flexibility ensures that policyholders can create a plan that meets all their specific needs without unnecessary extras.
• Generous Multi-Vehicle Discount: Geico provides a 17% reduction for insuring multiple vehicles, one of the most substantial discounts available. This generous offer leads to significant savings, particularly beneficial for those covering the Volvo S60 along with other cars.
• Exceptional Financial Rating: With an A++ rating from A.M. Best, Geico demonstrates outstanding financial stability. This top rating reflects Geico’s ability to effectively manage claims and provide robust coverage for the Volvo S60. See more details on our guide titled Geico car insurance review.

Cons

• Impact of Discounts on Overall Costs: In defiance of the impressive 17% discount, its effect on overall premium costs may vary based on specific coverage needs for the Volvo S60. In some cases, the discount might not sufficiently reduce the total insurance expense.
• Premiums Could Be High: Even with the generous discount, premiums for extensive coverage might remain relatively elevated. This could affect the overall cost-effectiveness for insuring the Volvo S60.

#9 – Liberty Mutual: Best for Customizable Policies

Pros

• Highly Flexible Insurance Options: Liberty Mutual is distinguished by its ability to offer highly flexible insurance policies, allowing for detailed customization tailored to the Volvo S60’s specific needs. This ensures all individual requirements are effectively met.
• Excellent Multi-Vehicle Savings: With a 19% discount for insuring multiple vehicles, Liberty Mutual provides one of the most competitive offers in the market. This discount significantly benefits households with multiple cars, including the Volvo S60, reducing overall insurance costs.
• Strong Financial Assurance: An A rating from A.M. Best signifies Liberty Mutual’s solid financial stability and reliability. This rating confirms that Liberty Mutual is well-positioned to handle claims and maintain reliable coverage for the Volvo S60. Discover more about offerings in our article called Liberty Mutual car insurance review.

Cons

• Discount Might Not Fully Offset Costs: Although the 19% discount is appealing, it might not completely mitigate higher premiums, particularly for comprehensive coverage needs. This could affect the overall value of insuring the Volvo S60.
• Potentially Elevated Premiums: Premiums, even with the substantial discount, can remain relatively high. This may influence the affordability of comprehensive coverage for the Volvo S60.

#10 – Travelers: Best for Accident Forgiveness

Pros

• Accident Forgiveness Benefit: Travelers provides an accident forgiveness program that can be especially advantageous in maintaining stable insurance rates after an accident involving the Volvo S60. This feature helps shield against rate increases following a claim.
• Solid Multi-Vehicle Discount: With a 13% discount for multiple vehicles, Travelers offers a practical reduction in premiums. This discount supports cost-effectiveness for insuring the Volvo S60 along with other vehicles.
• Exceptional Financial Stability: Travelers’ A++ rating from A.M. Best reflects its superior financial strength and dependability. This high rating assures that Travelers can effectively manage claims and offer reliable coverage for the Volvo S60. Read up on the “Travelers Car Insurance Review” for more information.

Cons

• Effectiveness of Discounts Might Vary: While the 13% discount is beneficial, its impact on overall costs might not entirely balance out higher premiums for the Volvo S60, potentially influencing the overall cost-effectiveness.
• Premium Costs May Be High: Despite the accident forgiveness feature, premiums can remain relatively high, which may affect the affordability of comprehensive coverage for the Volvo S60.

Monthly Insurance Costs for Volvo S60: Minimum vs. Full Coverage

When comparing Volvo S60 car insurance, the cost of coverage can vary significantly depending on the provider and the level of coverage selected. More information is available about this provider in our article called “Compare Car Insurance by Coverage Type.”

Volvo S60 Car Insurance Monthly Rates by Coverage Level & Provider

For minimum coverage, Erie offers the most affordable option at $37 per month, while USAA is the highest at $78. For full coverage, Progressive leads with the highest rate of $217, and Geico provides the lowest rate at $116.

This range highlights the varying costs associated with different insurance providers, allowing Volvo S60 owners to choose coverage that best fits their budget and needs.

You can start comparing quotes for Volvo S60 car insurance rates from some of the best car insurance companies by using our free online tool now.

Volvo S60 Insurance Cost

The average Volvo S60 car insurance rates are $1,544 a year or $129 a month. Check out insurance savings in our complete article called “Compare Comprehensive Car Insurance: Rates, Discounts, & Requirements.”

Volvo S60 Car Insurance Monthly Rates by Coverage Type

Knowing the insurance cost for a Volvo S60 is essential for effective budgeting and financial management. This information enables prospective buyers to evaluate the overall affordability and make well-informed choices about their vehicle expenses.

What Impacts the Cost of Volvo S60 Insurance

The Volvo S60 trim and model you choose can impact the total price you will pay for Volvo S60 car insurance coverage. Check out insurance savings in our complete guide titled “Car Insurance Coverage.”

Age of the Vehicle

The average Volvo S60 auto insurance rates are higher for newer models. For example, auto insurance rates for a 2018 Volvo S60 cost $1,544, while 2011 Volvo S60 rates are $1,286, a difference of $258.

Volvo S60 Car Insurance Monthly Rates by Age of the Vehicle

When selecting a vehicle, considering its insurance cost can be an essential factor in overall affordability and financial planning.

Driver Age

Driver age can have a significant effect on Volvo S60 car insurance rates. As an example, a 30-year-old driver pays around $68 more each year for their Volvo S60 car insurance than a 40-year-old driver.

Volvo S60 Car Insurance Monthly Rates by Age

It highlights how insurance premiums can vary based on age, offering insights into potential cost differences for drivers of various ages. For instance, younger drivers may face higher insurance costs compared to older drivers.

Driver Location

Where you live can have a large impact on Volvo S60 insurance rates. For example, drivers in New York may pay $402 a year more than drivers in Chicago.

Volvo S60 Car Insurance Monthly Rates by City

Your Driving Record

Your driving record can have an impact on the cost of Volvo S60 auto insurance. Teens and drivers in their 20’s see the highest jump in their Volvo S60 auto insurance rates with violations on their driving record.

Volvo S60 Car Insurance Monthly Rates by Age & Driving Record

Your driving history plays a significant role in determining your auto insurance rates, particularly for Volvo S60 drivers. Young drivers, including teens and those in their twenties, are especially affected, as violations can lead to a considerable rise in insurance premiums. Recognizing this connection can encourage drivers to adopt safer driving practices, which may help lower their insurance costs.

Volvo S60 Safety Ratings

Your Volvo S60 auto insurance rates are tied to the Volvo S60’s safety ratings. See the breakdown below:

Volvo S60 Safety Ratings

Thus, knowing these ratings helps you anticipate and potentially reduce your insurance costs while ensuring that your vehicle meets high safety standards.

Volvo S60 Crash Test Ratings

Good Volvo S60 crash test ratings can lower your Volvo S60 auto insurance rates. See Volvo S60 crash test results below:

Volvo S60 Crash Test Ratings

Consequently, understanding and utilizing these ratings can help Volvo S60 owners not only ensure their safety but also potentially save on insurance costs.

Volvo S60 Safety Features

The numerous safety features of the Volvo S60 help contribute to lower insurance rates. The 2020 Volvo S60 has the following safety features:

• Driver Air Bag
• Passenger Air Bag
• Front Head Air Bag
• Rear Head Air Bag
• Front Side Air Bag

These features highlight the vehicle’s dedication to safety and may lead to reduced insurance premiums.

Volvo S60 Insurance Loss Probability

The Volvo S60’s insurance loss ratio varies between different coverage types. While some types of insurance loss ratios are higher for the Volvo S60, others are more favorable and lead to lower insurance rates.

Volvo S60 Car Insurance Loss Probability by Coverage Type

By analyzing these loss probabilities, individuals can make more informed decisions about their insurance coverage, potentially saving money and ensuring better protection for their Volvo S60.

Volvo S60 Finance and Insurance Cost

If you are financing a Volvo S60, most lenders will require your carry higher Volvo S60 coverages including comprehensive coverage, so be sure to compare Volvo S60 car insurance rates from the best companies using our FREE tool below. Discover more about offerings in our article called “Best Full Coverage Car Insurance.”

Are Volvo S60s Expensive to Insure

The chart below details how Volvo S60 insurance rates compare to other luxury cars like the Audi A6, Jaguar XE, and Acura TLX.

Volvo S60 Car Insurance Monthly Rates vs. Similar Vehicles by Coverage Type

However, there are a few things you can do to find the cheapest Volvo insurance rates online. Discover more about offerings in our guide titled “Finding Free Car Insurance Quotes Online.”

Read more:

• Compare Audi Car Insurance Rates

Tactics to Save on Volvo S60 Insurance

There are many ways that you can save on Volvo S60 car insurance. Below are five actions you can take to find cheap Volvo S60 auto insurance rates.

• Check reviews and state complaints before you choose an insurer.
• Remove young drivers from your Volvo S60 insurance when they move out or go to school.
• Park your Volvo S60 somewhere safe – like a garage or private driveway.
• Take public transit instead of driving your Volvo S60.
• Check your Volvo S60 policy carefully to ensure all information is correct.

Implementing these actions can significantly lower your insurance costs and help you secure more affordable rates for your Volvo S60. Access comprehensive insights into our article called “Compare Young Driver Car Insurance Rates.”

Top Volvo S60 Insurance Companies

Who is the top auto insurance company for Volvo S60 insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Volvo S60 auto insurance coverage (ordered by market share).

A significant number of these insurance companies provide various discounts for advanced security systems and a range of additional safety features, all of which are prominently included in the Volvo S60.

Top Volvo S60 Car Insurance Providers by Market Share

By evaluating these top providers, Volvo S60 owners can make informed decisions about their insurance, potentially benefiting from discounts on security systems and safety features that align with the vehicle’s advanced technologies.

This insight aids in comparing rates and coverage, ensuring drivers select the most cost-effective and comprehensive insurance for their needs. If you want to learn more about the company, head to our article called “Average Car Insurance Rates by Age and Gender.”

Get Free Online Quotes for Volvo S60 Insurance and Compare Your Options

Compare free Volvo S60 insurance quotes online to find the best coverage options tailored to your needs. With just a few clicks, you can access competitive rates from top insurers, ensuring you get the most value for your Volvo S60.

Start comparing now to secure the ideal policy and save on your car insurance. See more details on our article called “Finding Free Car Insurance Quotes Online.”

Take the first step toward cheaper car insurance rates. Enter your ZIP code below to see how much you could save.