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Volvo V60 Polestar car insurance rates

Volvo’s signature station wagon gets a pricey plugin hybrid model -- along with higher insurance costs.

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The 2020 V60 Polestar is Volvo’s plugin hybrid version of its popular V60 model. Unlike previous models of the V60, the Polestar automatically includes Volvo’s Pilot Assist driver assistance feature, which previously was optional.

The Volvo V60 Polestar is a hybrid station wagon that’s moderately expensive to insure. The average insurance costs for a V60 Polestar hybrid are expected to be around $250 a month, or $3,000 a year. With a base price of $67,300, the annual insurance cost-to-base car price ratio is slightly over 4%, which is right at the national average.

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How do I compare insurance for the V60 Polestar?

Insurance for hybrids is slightly higher than for gas powered vehicles, so you can expect insurance for the V60 Polestar to be higher than for the gas-powered V60.

  • Body type. The V60 Polestar is a station wagon, which are one of the least expensive types of vehicles to insure, along with minivans. Its hybrid motor does increase the cost slightly, but it’s still less expensive to insure than a typical sedan or SUV.
  • Fuel. The Polestar is a plugin hybrid that gives you the option of charging the electric battery through a cable outlet or by charging it while driving on gas. The all-electric range is about 22 miles with a gas mpg of close to 30. This fuel efficiency will cut down on your fuel costs — though any problems with the electric components could be expensive to fix, making it more expensive to insure.
  • Theft rates. Theft rates for Volvos in general are below average and should be even lower on the V60 Polestar. Most criminals don’t target station wagons, and the electric nature of the car should keep it locked away in garages.
  • Maintenance. Average annual maintenance costs on the gas powered Volvo V60 are over $1,000, according to Repair Pal’s website as of December 2019. Costs to maintain a hybrid are generally close to the same as standard gas vehicles, so this high average price to maintain the Polestar will play a role in its rates.
  • Coverage. With a base price of over $67,000, it makes sense to fully insure this vehicle with both comprehensive and collision coverage. You might also want to increase your uninsured motorist property damage coverage due to its high price tag.
  • Warranty. Volvo offers three different warranties: basic, powertrain and extended. All warranties come with unlimited roadside assistance which stays in effect even after your warranty expires, meaning you’ll never need to add this to your insurance policy as long as you drive a Volvo.
  • Manufacturer offer. Volvo routinely has various discounts and offers for its new vehicles, such as a cash allowance or special offers on leases. Be sure to check with your local dealership to find the best offer.

Does the Volvo V60 Polestar qualify for discounts?

The V60 Polestar should qualify for at least some of the following vehicle discounts, depending on the exact model you buy and your insurance company.

  • Electric vehicle discount
  • Antilock brakes discount
  • Active restraint discount
  • Passive restraint discount
  • Antitheft system discount
  • Airbag discount
  • Seatbelt pretensioners

How reliable is the Volvo V60 Polestar?

The V60 Polestar is simply a plugin hybrid version of the V60, so you can expect similar ratings as the standard V60 model.

  • Safety. The Insurance Institute for Highway Safety (IIHS) rated the 2017 Volvo V60 with its Top Safety Pick+ award, while the 2018 model received the Top Safety Pick rating. Neither model year has been rated by the National Highway Traffic Safety Administration, but the high IIHS marks will help the 2020 V60 Polestar have lower insurance rates due to its safety.
  • Reliability. US News & World Report rate the gas powered V60 a 7.6 overall with a TBD rating on reliability. Consumer Reports gives it a 4 out of 5 predicted reliability rating, but J.D. Power has yet to rate the V60. You can reasonably expect the V60 Polestar’s reliability to be the same or better than other station wagons on the market.
  • Recalls. Volvo has recalled some of its models before, including the 2017 V60, so this is a slight risk. However, recalls are typically fixed for free without affecting your insurance rates.

Bottom line

The 2020 Volvo V60 Polestar is a plugin hybrid station wagon. Strong safety features and ratings on the V60 series should help keep its insurance rates reasonably affordable. Finding an insurance company that offers discounts on electric vehicles could be one way to save on insurance.

Be sure to check out and compare different insurance companies and options to maximize your insurance discounts on your Volvo V60 Polestar.

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