Volvo V70 Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 2, 2023

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U.S. average insurance rates for a Volvo V70 are $850 a year for full coverage insurance. Comprehensive costs around $150, collision insurance costs $188, and liability costs around $376. Liability-only insurance costs as low as $426 a year, and high-risk driver insurance costs around $1,816. 16-year-old drivers pay the highest rates at up to $3,376 a year.

Average premium for full coverage: $850

Price estimates for individual coverage:

Comprehensive $150
Collision $188
Liability $376

Rates are based on $500 deductible amounts, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 states and for different V70 trim levels.

Price Range from Low to High

For an average driver, Volvo V70 insurance prices range from as low as $426 for just the minimum liability insurance to a much higher rate of $1,816 for a driver who requires high-risk insurance.

Liability Only $426
Full Coverage $850
High Risk $1,816

Geographic Price Range

Where you live can make a big difference on car insurance rates. Areas with sparse population have a lower frequency of physical damage claims than congested cities. The price range example below illustrates the effect of geographic area on auto insurance rates.

Rural Areas $638
Small Cities $893
Large Cities $1,148

The ranges above illustrate why anyone shopping for car insurance should compare prices for a specific zip code and risk profile, instead of making a decision based on rate averages.

Use the form below to get customized rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Additional Rate Analysis

The chart below illustrates average Volvo V70 insurance rates for additional coverage choices and driver risks.

  • The best full coverage rate is $517
  • Using higher $1,000 deductibles will save about $78 each year
  • The average rate for the average middle-age driver using $500 deductibles is $850
  • Buying more expensive low deductibles for physical damage coverage will increase the cost to $994
  • High-risk insureds with multiple tickets or accidents could pay at least $1,816
  • The price for full coverage for a 16-year-old driver with full coverage can be $3,376 or more

View Chart as Image

Volvo V70 insurance cost comparison chart
Column chart showing Volvo V70 insurance rates range from $517 to $3,376 for full coverage

Car insurance prices for a Volvo V70 are also quite variable based on your driving record, the model year and trim level, and deductibles and policy limits.

An older driver with no driving violations and high deductibles may pay as low as $800 a year for full coverage. Prices are highest for teenage drivers, where even good drivers will be charged as much as $3,300 a year. View Rates by Age

The state you live in has a huge impact on Volvo V70 insurance prices. A driver around age 40 might see prices as low as $560 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,150 on average in Michigan, New York, and Florida.

Volvo V70 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $766 -$84 -9.9%
Alaska $650 -$200 -23.5%
Arizona $704 -$146 -17.2%
Arkansas $850 -$0 0.0%
California $966 $116 13.6%
Colorado $810 -$40 -4.7%
Connecticut $872 $22 2.6%
Delaware $958 $108 12.7%
Florida $1,060 $210 24.7%
Georgia $786 -$64 -7.5%
Hawaii $610 -$240 -28.2%
Idaho $574 -$276 -32.5%
Illinois $632 -$218 -25.6%
Indiana $640 -$210 -24.7%
Iowa $572 -$278 -32.7%
Kansas $806 -$44 -5.2%
Kentucky $1,156 $306 36.0%
Louisiana $1,254 $404 47.5%
Maine $524 -$326 -38.4%
Maryland $700 -$150 -17.6%
Massachusetts $676 -$174 -20.5%
Michigan $1,472 $622 73.2%
Minnesota $710 -$140 -16.5%
Mississippi $1,016 $166 19.5%
Missouri $754 -$96 -11.3%
Montana $910 $60 7.1%
Nebraska $668 -$182 -21.4%
Nevada $1,016 $166 19.5%
New Hampshire $614 -$236 -27.8%
New Jersey $948 $98 11.5%
New Mexico $750 -$100 -11.8%
New York $892 $42 4.9%
North Carolina $488 -$362 -42.6%
North Dakota $696 -$154 -18.1%
Ohio $584 -$266 -31.3%
Oklahoma $870 $20 2.4%
Oregon $776 -$74 -8.7%
Pennsylvania $808 -$42 -4.9%
Rhode Island $1,132 $282 33.2%
South Carolina $768 -$82 -9.6%
South Dakota $716 -$134 -15.8%
Tennessee $742 -$108 -12.7%
Texas $1,022 $172 20.2%
Utah $628 -$222 -26.1%
Vermont $578 -$272 -32.0%
Virginia $508 -$342 -40.2%
Washington $656 -$194 -22.8%
West Virginia $776 -$74 -8.7%
Wisconsin $586 -$264 -31.1%
Wyoming $754 -$96 -11.3%

View Chart as Image

Volvo V70 insurance rates by U.S. city

Opting for high physical damage deductibles could cut prices by as much as $230 annually, while increasing your policy's liability limits will increase prices. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $339 extra every 12 months. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying at least $1,000 to $1,400 extra each year, depending on your age. High-risk driver insurance can be from 41% to 131% more than the average rate. View High Risk Driver Rates

Insurance Rates by Trim Level and Model Year

Volvo V70 Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Volvo V70 3.2 A $850 $71
Volvo V70 3.2 A $850 $71
Volvo V70 3.2 R-Design $864 $72

Rates assume 2000 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

Volvo V70 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium

Rates are averaged for all Volvo V70 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Find the Best Cheap Volvo V70 Insurance

Getting lower rates on insurance for a Volvo V70 requires having a good driving record, having above-average credit, not filing small claims, and consideration of higher deductibles. Take the time to compare rates at every other renewal by requesting quotes from direct insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.

The next list is a quick review of the concepts that were covered in the above illustrations.

  • Drivers considered higher risk with a DUI or reckless driving violation may pay on average $970 more every year to buy Volvo V70 insurance
  • Drivers age 20 and younger are the costliest to insure, as much as $281 a month if full coverage is included
  • It is possible to save up to $90 per year just by shopping early and online
  • Increasing physical damage deductibles can save around $225 each year
  • It is possible to save up to $90 per year just by shopping early and online

Rates by Driver Age

Volvo V70 Insurance Rates by Driver Age
Driver Age Premium
16 $3,376
20 $1,930
30 $866
40 $850
50 $780
60 $766

Full coverage, $500 deductibles

Rates by Deductible

Volvo V70 Insurance Rates with Different Deductibles
Deductible Premium
$100 $994
$250 $930
$500 $850
$1,000 $772

Full coverage, driver age 40

Rates by Liability Limit

Volvo V70 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $850
50/100 $939
100/300 $1,033
250/500 $1,278
100 CSL $977
300 CSL $1,184
500 CSL $1,334

Full coverage, driver age 40

Rates for High Risk Drivers

Volvo V70 Insurance Rates for High Risk Drivers
Age Premium
16 $4,752
20 $3,068
30 $1,834
40 $1,816
50 $1,734
60 $1,714

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $112

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $43
Multi-vehicle $45
Homeowner $15
5-yr Accident Free $52
5-yr Claim Free $53
Paid in Full/EFT $31
Advance Quote $37
Online Quote $57
Total Discounts $333
Rate after discounts $517

Discounts are estimated and may not be available from every company or in every state.

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