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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The average insurance prices for a Volvo V70 are $850 every 12 months with full coverage. Comprehensive costs on average $150, collision costs $188, and liability coverage costs around $376. Liability-only insurance costs as low as $426 a year, with high-risk driver insurance costing around $1,816. Teenage drivers cost the most to insure at $3,376 a year or more.
Average premium for full coverage: $850
Policy rates by type of insurance:
Rates are based on $500 policy deductibles, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Prices are averaged for all U.S. states and for all V70 models.
Price Range Variability
For a driver in their 40's, Volvo V70 insurance rates go from the cheapest price of $426 for your basic liability-only policy to the much higher price of $1,816 for a policy for a high-risk driver.
Urban vs. Rural Price Range
Where you live has a large influence on auto insurance rates. Rural areas are shown to have more infrequent collision claims than densely populated cities.
The example below illustrates how location helps determine car insurance rates.
The examples above demonstrate why everyone should compare prices based on a specific location and their own driving history, rather than using 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.
More Rate Information
The chart below details estimated Volvo V70 insurance rates for different risk profiles and scenarios.
- The best discount rate is $517
- Using higher $1,000 deductibles will save around $78 annually
- The average price for a good driver age 40 with $500 deductibles is $850
- Using pricier low deductibles for physical damage coverage increases the price to $994
- Higher-risk drivers who are prone to accidents and violations could pay upwards of $1,816 or more
- Policy cost to insure a teenage driver for full coverage may cost $3,376 or more
Auto insurance rates for a Volvo V70 also range considerably based on liability limits and deductibles, your driving record, and the trim level of your V70.
Using high physical damage deductibles could cut rates by as much as $230 a year, whereas buying more liability protection will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $339 extra every year. View Rates by Deductible or Liability Limit
A more mature driver with a good driving record and higher deductibles may only pay around $800 a year, or $67 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay upwards of $3,300 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you may be forking out at a minimum $1,000 to $1,400 in extra premium every year, depending on your age. Volvo V70 insurance for high-risk drivers can be around 41% to 131% more than a normal policy. View High Risk Driver Rates
Your home state has a huge impact on Volvo V70 insurance rates. A driver around age 40 might see rates as low as $610 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,150 on average in Florida, Michigan, and New York.
| 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% |
Because rates have so much variability, the best way to find out exactly what you will pay is to regularly compare rates and see how they stack up. Each insurance company uses a different method to calculate rates, and quoted rates will be varied.
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 Best Cheap Volvo V70 Insurance
Finding cheaper rates on auto insurance requires being safe and accident-free, having a good credit score, not filing small claims, and taking advantage of discounts. Invest time comparing rates every year by obtaining price quotes from direct companies, and also from local exclusive and independent agents.
Below you'll find a quick review of the coverage data covered in the charts and tables above.
- You may be able to save as much as $90 per year simply by quoting online well ahead of the renewal date
- Increasing comprehensive and collision deductibles could save as much as $225 each year
- Youthful drivers are charged the highest rates, as much as $281 each month if comprehensive and collision insurance is included
- Drivers with a DUI or reckless driving violation may pay on average $970 more each year than a low-risk driver
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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