Volvo XC60 vs. Cadillac XT4 Insurance – Which is the Cheapest?

• When comparing the newest models, a Cadillac XT4 has cheaper car insurance rates than a Volvo XC60 by $264 per year.
• When compared to the average cost of car insurance in the U.S. of $2,276 per year, the Volvo XC60 averages $154 more per year, while the Cadillac XT4 costs $110 less per year.
• For a 2024 Volvo XC60, car insurance prices cost from $2,224 to $2,616 per year, while car insurance for the 2024 Cadillac XT4 costs from $2,080 to $2,220, depending on the model being insured.

Is a Volvo XC60 cheaper to insure than a Cadillac XT4?

For new XC60 and XT4 models, the model with cheaper average insurance rates is the Cadillac XT4. Insurance rates on a Volvo XC60 cost an average of $2,430 per year, whereas insurance for a Cadillac XT4 averages $2,166 per year.

For the seven trims available for the 2024 Volvo XC60, the cheapest model to insure is the Core B5 AWD model at an average cost of $2,224 per year, or $185 per month.

For the six trims available for the Cadillac XT4, the cheapest 2024 trim to insure is the Luxury 2WD trim at a cost of $2,080.

When comparing car insurance rates for both models by trim level, the overall cheapest vehicle to insure is the Cadillac XT4 Luxury 2WD at an average cost of $2,080 per year. The overall most expensive vehicle to insure is the Volvo XC60 Recharge Polestar at an average of $2,616 per year.

The table below ranks the annual and monthly cost of car insurance for 2024 Volvo XC60 and Cadillac XT4 models, showing cost for each trim level of both models.

The rate chart below shows the average cost to insure the two models for the 20 to 50-year-old driver age groups. The average cost of car insurance ranges from $2,146 to $4,830 per year for a 2024 Volvo XC60, and $1,920 to $4,304 for a 2024 Cadillac XT4.

The next tables illustrate the average cost to insure all 2024 trim levels, including an overall average cost for each model. The winner for the 2024 car insurance battle is the Cadillac XT4.

2023 Volvo XC60 vs. Cadillac XT4

When comparing 2023 Volvo XC60 and Cadillac XT4 models, the cheapest model to insure is the Cadillac XT4. Average car insurance rates for the Volvo XC60 are $2,394 per year and insurance for a Cadillac XT4 averages $2,106 per year.

Out of 11 Volvo XC60 trims, the cheapest 2023 model to insure is the Core trim at an average cost of $2,176 per year, or $181 per month.

For the six trim levels available for the Cadillac XT4, the cheapest 2023 model to insure is the Luxury 2WD trim at a cost of $2,020.

When rates are compared for the 17 trim levels of both 2023 models, the cheapest vehicle to insure is the Cadillac XT4 Luxury 2WD at an average rate of $2,020 per year, and the highest-cost model and trim is the Volvo XC60 Recharge Polestar costing $2,618 per year.

For previous model years, average insurance costs for each model compare as follows. Click on any link to show full trim level data for that year.

• 2022 Model Year – Cheapest model to insure: Cadillac XT4
• 2021 Model Year – Cheapest model to insure: Cadillac XT4
• 2020 Model Year – Cheapest model to insure: Cadillac XT4
• 2019 Model Year – Cheapest model to insure: Volvo XC60

The next table ranks the annual and monthly cost of car insurance for 2023 Volvo XC60 and Cadillac XT4 models, showing average premium cost for each trim level.

The next chart visualizes the average cost to insure both models with different ages of drivers. For a 2023 Volvo XC60, insurance cost ranges from $2,104 to $4,822 per year for the example age groups. A 2023 Cadillac XT4 costs from $1,870 to $4,190 to insure per year.

The tables below illustrate average car insurance rates for every trim level for both 2023 models, including an overall average rate. The winner for the 2023 car insurance rate comparison is the Cadillac XT4.

2022 Volvo XC60 vs. Cadillac XT4

Insurance cost for a 2022 Volvo XC60 averages $2,354 per year, while insurance for a 2022 Cadillac XT4 averages $1,924 per year, making the Cadillac XT4 the model with lower average insurance cost.

From a monthly standpoint, car insurance rates for all 2022 Volvo XC60 and Cadillac XT4 models and trims range from $154 to $212 per month. For the 2022 Volvo XC60, the cheapest trims to insure include the Momentum, Momentum AWD, and R-Design. The most affordable Cadillac XT4 trim levels to insure include the Luxury 2WD, Luxury AWD, and Sport 2WD.

The rate table below compares the annual and monthly cost of car insurance for 2022 Volvo XC60 and Cadillac XT4 models, with average rates for every trim level for each model.

The following chart visualizes the average car insurance cost for both 2022 models for drivers aged 20 to 50. Average full-coverage insurance ranges from $2,080 to $4,772 per year on the 2022 Volvo XC60, and $1,702 to $3,830 on a 2022 Cadillac XT4 for the driver ages used.

Out of 12 Volvo XC60 trims, the lowest-cost 2022 trim level to insure is the Momentum model at an average cost of $2,160 per year, or $180 per month.

For the six trim and option levels available for the Cadillac XT4, the lowest-cost 2022 trim level to insure is the Luxury 2WD trim at a cost of $1,848.

When rates for all 18 trim levels for both vehicles are combined and compared, the cheapest trim to put coverage on is the Cadillac XT4 Luxury 2WD at a cost of $1,848 per year. The highest-cost model and trim level is the Volvo XC60 Recharge Polestar at an average of $2,542 per year.

The tables shown below display trim level insurance rates for each 2022 model, including an overall average cost for each model. The 2022 Cadillac XT4 comes out with a win over the 2022 Volvo XC60 for cheapest car insurance rates.

2021 Volvo XC60 vs. Cadillac XT4

For 2021 Volvo XC60 and Cadillac XT4 models, the Cadillac XT4 costs less to insure by $282 per year for this comparison year.

The chart shown below displays the average insurance cost for both 2021 models using drivers aged 20 to 50. For a 2021 Volvo XC60, average insurance cost ranges from $1,920 to $4,402 per year for the driver ages used. Full-coverage insurance for a 2021 Cadillac XT4 costs from $1,672 to $3,770 on average per year.

Out of 12 Volvo XC60 trim levels, the cheapest 2021 trim to insure is the T5 Inscription 2WD model at an average cost of $2,124 per year.

The 2021 Cadillac XT4 has six different option levels available, with the cheapest trim level to insure being the 2WD trim at an average cost of $1,814 per year.

When rates for all 18 trim levels for both vehicles are compared, the most affordable model and trim level to put coverage on is the Cadillac XT4 2WD at an average cost of $1,814 per year, and the highest-cost model and trim is the Volvo XC60 T8 Hybrid R-Design AWD costing $2,254 per year.

The next tables illustrate trim level insurance cost averages for both 2021 models, as well as an average rate for each model.

2020 Volvo XC60 vs. Cadillac XT4

When comparing car insurance rates for 2020 models, the Volvo XC60 costs an average of $2,104 per year for a full-coverage policy and the Cadillac XT4 costs $1,832, making the Cadillac XT4 the winner by $272 for 2020.

The chart below demonstrates the average insurance cost for both 2020 models with different ages of drivers. Average car insurance cost ranges from $1,862 to $4,268 per year for the 2020 Volvo XC60, and $1,622 to $3,654 on a 2020 Cadillac XT4.

For the 12 trims available for a 2020 Volvo XC60, the most affordable trim to insure is the T5 Inscription 2WD model at an average cost of $2,056 per year. Out of the six trim levels available for a Cadillac XT4, the cheapest 2020 trim to insure is the 2WD trim at a cost of $1,758 per year, or about $147 per month.

When comparing car insurance rates for both models by trim level, the cheapest vehicle to buy insurance for is the Cadillac XT4 2WD at an average rate of $1,758 per year, and the highest-cost model and trim is the Volvo XC60 T8 Hybrid R-Design AWD at an average of $2,184 per year.

The two tables below detail the expected annual car insurance cost by trim level for both 2020 models, plus the average rate for each model. The 2020 Cadillac XT4 comes out with a win over the 2020 Volvo XC60 for cheapest auto insurance rates.

2019 Volvo XC60 vs. Cadillac XT4

When comparing insurance cost for the 2019 Volvo XC60 and Cadillac XT4 models, the Volvo XC60 has cheaper rates by an average of $94 per year.

The next chart visualizes the average car insurance cost for both models for the 20 to 50-year-old driver age groups. For a 2019 Volvo XC60, the average cost of car insurance ranges from $1,648 to $3,752 per year. Insurance for a 2019 Cadillac XT4 costs from $1,736 to $3,948 on average per year.

For the 12 trims available for the 2019 Volvo XC60, the most affordable trim to insure is the T5 Inscription 2WD model at an average cost of $1,788 per year, or around $149 per month. For the six trim levels available for the Cadillac XT4, the cheapest 2019 trim to insure is the 2WD trim at a cost of $1,908.

When comparing combined rates for both models from a trim-level perspective, the lowest-cost model and trim to insure is the Volvo XC60 T5 Inscription 2WD at an average rate of $1,788 per year. The most expensive model and trim level is the Cadillac XT4 Sport AWD at an average of $2,030 per year.

The tables below detail average car insurance cost by trim level for a 2019 Volvo XC60 and Cadillac XT4, plus an average rate for each model. The 2019 Volvo XC60 has cheaper average car insurance rates than the 2019 Cadillac XT4.

Additional Volvo XC60 and Cadillac XT4 Resources

• Volvo XC60 Insurance Cost
• Cadillac XT4 Insurance Cost
• Small Luxury SUV Insurance Cost Comparisons