Volvo V70 Insurance Rates

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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...

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UPDATED: Jun 2, 2023

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The average insurance rates for a Volvo V70 are $850 a year with full coverage. Comprehensive costs approximately $150 each year, collision insurance costs $188, and liability is estimated at $376. Liability-only insurance costs approximately $426 a year, and high-risk driver insurance costs around $1,816. Teen drivers cost the most to insure at up to $3,376 a year.

Average premium for full coverage: $850

Policy rates by type of insurance:

Comprehensive $150
Collision $188
Liability $376

Prices are based on $500 physical damage deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all U.S. states and V70 models.

Price Range Variability

For a driver around age 40, Volvo V70 insurance rates range from as low as $426 for just liability coverage to a high rate of $1,816 for a high-risk insurance policy.

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

Urban vs. Rural Price Range

Living in a larger city can make a big difference on the price of insurance. Rural locations are shown to have a lower frequency of collision claims than larger metro areas. The graphic below illustrates the difference between rural and urban areas on auto insurance prices.

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

The examples above demonstrate why all drivers should get quotes using their specific location and risk profile, instead of making a decision based on price 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.

Detailed Rate Analysis

The chart below details average Volvo V70 insurance rates for additional coverage and risk scenarios.

  • The lowest rate with discounts is $517
  • Choosing higher $1,000 deductibles can save $78 annually
  • The average rate for a good driver age 40 who chooses $500 deductibles is $850
  • Choosing low deductibles for comp and collision coverage will increase the cost to $994
  • Higher-risk drivers with multiple violations and an at-fault accident could pay around $1,816
  • Policy cost for full coverage for a 16-year-old driver can cost $3,376 each year

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

Auto insurance rates for a Volvo V70 also range considerably based on your risk profile, the trim level and model year, and physical damage deductibles and liability limits.

More mature drivers with a good driving record and high deductibles may pay as low as $800 annually on average, or $67 per month, for full coverage. Rates are highest for teenagers, where even good drivers will have to pay in the ballpark of $3,300 a year. View Rates by Age

Your home state plays a big part in determining prices for Volvo V70 insurance prices. A good driver about age 40 could pay as low as $610 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,150 on average in New York, Michigan, 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

Choosing high deductibles can save as much as $230 annually, whereas increasing liability limits will push rates upward. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $339 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out anywhere from $1,000 to $1,400 in extra premium every year, depending on your age. Insurance for high-risk drivers ranges from 41% to 131% more than average. 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 2001 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
2004 Volvo V70 $150 $188 $376 $850

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 Affordable Volvo V70 Insurance

Finding cheaper rates on insurance for a Volvo V70 takes being a safe and courteous driver, having good credit, not filing small claims, and possibly higher deductibles. Set aside time to compare rates at least every other year by requesting quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

Below is a brief review of the car insurance concepts covered above.

  • Drivers considered higher risk with DUI or reckless driving convictions pay on average $970 more per year for auto insurance
  • You may be able to save around $90 per year just by quoting online in advance
  • Increasing comprehensive and collision deductibles can save around $225 each year
  • Insureds who purchase higher levels of liability will pay about $410 every year to raise limits from a 30/60 limit to 250/500 limits

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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