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: May 12, 2022

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Average insurance rates for a Volvo V70 are $850 a year for full coverage insurance. Comprehensive insurance costs on average $150 each year, collision insurance costs $188, and liability insurance is $376. Buying just liability costs around $426 a year, and insurance for high-risk drivers costs $1,816 or more. 16-year-old drivers receive the highest rates at up to $3,376 a year.

Average premium for full coverage: $850

Rate estimates by individual coverage type:

Comprehensive $150
Collision $188
Liability $376

Rates are based on $500 deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 states and V70 models.

Price Range by Coverage and Risk

Using a 40-year-old driver as an example, prices range range from as low as $426 for your basic liability-only policy to a high rate of $1,816 for a driver required to buy high-risk insurance.

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

Price Range by Location

Choosing to live in a large city has a significant impact on insurance rates. Rural areas tend to have a lower frequency of physical damage claims than congested cities. The graphic below illustrates how rural and urban location affects car insurance rates.

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

These examples illustrate why all drivers should compare rates quotes based on a specific location and risk profile, rather than relying 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.

More Rate Information

The chart below illustrates average Volvo V70 insurance rates for different risk profiles and scenarios.

  • The best full coverage rate is $517
  • Raising to $1,000 deductibles will save around $78 each year
  • The average rate for a 40-year-old driver with $500 deductibles is $850
  • Buying low deductibles will cost an extra $144 a year
  • Higher-risk drivers with multiple tickets or accidents could pay upwards of $1,816
  • The cost for full coverage for a teen driver may cost $3,376

View Chart as Image

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

Auto insurance rates for a Volvo V70 can also vary considerably based on your driver profile, the model year and trim level, and policy deductibles and limits.

More mature drivers with a good driving record and high deductibles could pay as little as $800 every 12 months on average for full coverage. Rates are highest for teen drivers, where even good drivers will have to pay upwards of $3,300 a year. View Rates by Age

Where you live also has a big influence on Volvo V70 insurance rates. A middle-age driver might find rates 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 can reduce rates by up to $230 each year, whereas increasing liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will cost as much as $339 extra every year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying at a minimum $1,000 to $1,400 in extra premium per year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere 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 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 $154 $198 $380 $868

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

Saving money on Volvo V70 insurance consists of not taking risks behind the wheel, having good credit, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Set aside time to shop around at every policy renewal by requesting rates from direct insurance companies like GEICO and Progressive, and also from local independent and exclusive agents.

The following is a quick review of the data raised in the charts and tables above.

  • Drivers who require higher liability limits will pay around $410 annually to raise from a minimum limit to 250/500 limits
  • It is possible to save as much as $90 per year just by quoting online in advance
  • Increasing deductibles can save around $225 each year
  • Teens are charged the highest rates, costing up to $281 per month if they have full coverage

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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