Volvo V70 Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Jun 2, 2023
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U.S. average insurance prices for a Volvo V70 are $850 every 12 months including full coverage. Comprehensive insurance costs on average $150, collision costs $188, and liability is estimated at $376. A policy with just liability insurance costs approximately $426 a year, with coverage for high-risk drivers costing $1,816 or more. Teenage drivers pay the highest rates at $3,376 a year or more.
Average premium for full coverage: $850
Price estimates by individual coverage:
Includes $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 U.S. states and for different V70 trim levels.
Price Range from Low to High
For the average 40-year-old driver, Volvo V70 insurance prices go from the cheapest price of $426 for a discount liability-only rate to a much higher rate of $1,816 for a driver who has had serious violations or accidents.
Geographic Price Range
Living in a larger city can make a big difference on car insurance rates. Rural areas have more infrequent comprehensive and collision claims than densely populated cities.
The price range example below illustrates the difference location can make on car insurance rates.
The ranges above highlight why anyone shopping for car insurance should get quotes based on a specific location and their own driving history, instead of making a decision based on average rates.
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.
Rates by State, City, and Model
The chart below breaks down estimated Volvo V70 insurance rates for different risk profiles and scenarios.
- The best discount rate is $517
- Choosing higher $1,000 deductibles can save around $78 every year
- The average price for the average middle-age driver with $500 deductibles is $850
- Using more expensive low deductibles for comp and collision coverage costs an extra $144 annually
- Higher-risk drivers who are prone to accidents and violations could pay upwards of $1,816 or more
- The price to insure a 16-year-old driver with full coverage may cost $3,376 each year
Insurance prices for a Volvo V70 are also quite variable based on deductibles and policy limits, your driving characteristics, and the trim level of your V70.
Using high physical damage deductibles can save as much as $230 annually, while increasing your policy's liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $339 more per year. View Rates by Deductible or Liability Limit
An older driver with a clean driving record and higher deductibles may pay as low as $800 annually on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers can expect to pay upwards of $3,300 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are likely paying at a minimum $1,000 to $1,400 extra each year, depending on your age. High-risk driver insurance ranges from 41% to 131% more than a normal policy. View High Risk Driver Rates
The state you live in plays a big part in determining prices for Volvo V70 insurance prices. A good driver about age 40 could pay as low as $650 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,210 on average in Michigan, New York, and Louisiana.
| 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% |
Since prices can be so different, the best way to figure out exactly what you will pay is to compare prices from multiple companies. Each auto insurer uses a different method to calculate prices, so the prices may be quite different.
Insurance Rates by Trim Level and Model Year
| 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.
| 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 Shop for the Cheapest Volvo V70 Insurance
Getting lower rates on insurance for a Volvo V70 takes being a low-risk driver, having good credit, being claim-free, and bundling your home and auto policies. Make time to compare rates every other policy renewal by quoting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The items below are a recap of the ideas that were touched on in this article.
- Teen drivers pay the highest prices, possibly costing $281 a month if they have full coverage
- Drivers considered higher risk that have major violations or accidents may pay on average $970 more each year to insure their V70
- Increasing physical damage deductibles could save as much as $225 each year
- You may be able to save as much as $90 per year simply by shopping early and online
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $994 |
| $250 | $930 |
| $500 | $850 |
| $1,000 | $772 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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