Volvo XC70 Insurance Rates

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UPDATED: May 19, 2024

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U.S. average insurance prices for a Volvo XC70 are $1,616 every 12 months for full coverage insurance. Comprehensive insurance costs on average $390, collision insurance costs $626, and liability is estimated at $420. A policy with just liability insurance costs approximately $494 a year, and coverage for high-risk drivers costs $3,464 or more. Teens pay the highest rates at up to $5,866 a year.

Average premium for full coverage: $1,616

Price estimates by individual coverage:

Comprehensive $390
Collision $626
Liability $420

These estimates include $500 physical damage insurance deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 states and for different XC70 trim levels.

Price Range from Low to High

For the average 40-year-old driver, Volvo XC70 insurance prices range from the cheapest price of $494 for just the minimum liability insurance to a much higher rate of $3,464 for high-risk insurance.

Liability Only $494
Full Coverage $1,616
High Risk $3,464

Geographic Price Range

Living in a larger city can have significant affects on insurance rates. Rural areas have more infrequent physical damage claims than cities with more traffic congestion. The price range example below illustrates the difference location can make on car insurance rates.

Rural Areas $1,212
Small Cities $1,697
Large Cities $2,182

The ranges above illustrate why anyone shopping for car insurance should get quotes based on a specific location and their own driving history, instead of using averaged prices.

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 XC70 insurance rates for different risk profiles and scenarios.

  • The cheapest rate after discounts is $937
  • Choosing higher $1,000 deductibles can save around $232 each year
  • The average price for the average middle-age driver with $500 deductibles is $1,616
  • Selecting more expensive low deductibles for comp and collision coverage costs an extra $444 every year
  • Unlucky drivers with serious driving violations could pay upwards of $3,464
  • The price to insure a teen driver with full coverage may cost $5,866 each year

View Chart as Image

Volvo XC70 insurance cost comparison chart
Column chart showing Volvo XC70 insurance prices range from $937 to $5,866 for full coverage

Insurance prices for a Volvo XC70 are also quite variable based on deductibles and policy limits, your risk profile, and the trim level of your XC70.

Choosing higher comprehensive and collision insurance deductibles can save as much as $680 every year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $378 more per year. View Rates by Deductible or Liability Limit

An older driver with a clean driving record and higher deductibles may pay as little as $1,500 annually on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers can expect to pay upwards of $5,800 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are probably paying at a minimum $1,900 to $2,600 extra each year, depending on your age. High-risk driver insurance ranges as much as 44% to 132% more than the average policy. View High Risk Driver Rates

The state you live in plays a big part in determining prices for Volvo XC70 insurance prices. A good driver about age 40 could pay as low as $1,060 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $2,180 on average in Michigan, New York, and Florida.

Volvo XC70 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,458 -$158 -9.8%
Alaska $1,240 -$376 -23.3%
Arizona $1,342 -$274 -17.0%
Arkansas $1,616 -$0 0.0%
California $1,840 $224 13.9%
Colorado $1,540 -$76 -4.7%
Connecticut $1,658 $42 2.6%
Delaware $1,830 $214 13.2%
Florida $2,022 $406 25.1%
Georgia $1,492 -$124 -7.7%
Hawaii $1,158 -$458 -28.3%
Idaho $1,096 -$520 -32.2%
Illinois $1,202 -$414 -25.6%
Indiana $1,220 -$396 -24.5%
Iowa $1,090 -$526 -32.5%
Kansas $1,534 -$82 -5.1%
Kentucky $2,202 $586 36.3%
Louisiana $2,392 $776 48.0%
Maine $998 -$618 -38.2%
Maryland $1,334 -$282 -17.5%
Massachusetts $1,290 -$326 -20.2%
Michigan $2,804 $1,188 73.5%
Minnesota $1,352 -$264 -16.3%
Mississippi $1,936 $320 19.8%
Missouri $1,432 -$184 -11.4%
Montana $1,736 $120 7.4%
Nebraska $1,274 -$342 -21.2%
Nevada $1,938 $322 19.9%
New Hampshire $1,166 -$450 -27.8%
New Jersey $1,806 $190 11.8%
New Mexico $1,430 -$186 -11.5%
New York $1,700 $84 5.2%
North Carolina $930 -$686 -42.5%
North Dakota $1,324 -$292 -18.1%
Ohio $1,116 -$500 -30.9%
Oklahoma $1,658 $42 2.6%
Oregon $1,480 -$136 -8.4%
Pennsylvania $1,540 -$76 -4.7%
Rhode Island $2,156 $540 33.4%
South Carolina $1,466 -$150 -9.3%
South Dakota $1,366 -$250 -15.5%
Tennessee $1,414 -$202 -12.5%
Texas $1,944 $328 20.3%
Utah $1,194 -$422 -26.1%
Vermont $1,106 -$510 -31.6%
Virginia $966 -$650 -40.2%
Washington $1,246 -$370 -22.9%
West Virginia $1,482 -$134 -8.3%
Wisconsin $1,118 -$498 -30.8%
Wyoming $1,438 -$178 -11.0%

View Chart as Image

Volvo XC70 insurance rates by U.S. city

Insurance Rates by Trim Level and Model Year

Volvo XC70 Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Volvo XC70 3.2 AWD Station Wagon $1,570 $131
Volvo XC70 T6 AWD 4-Dr $1,646 $137

Rates assume 2025 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 XC70 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2016 Volvo XC70 $260 $388 $520 $1,348

Rates are averaged for all Volvo XC70 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 Cheap Volvo XC70 Insurance

Getting lower rates on car insurance takes being a low-risk driver, having good credit, not filing small claims, and determing if full coverage is necessary. Make time to compare rates every couple of years by quoting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The items below are a brief summary of the material that was touched on in this article.

  • Policyholders who require more liability coverage will pay approximately $460 annually to raise limits from a low limit to a 250/500 level
  • Teen drivers pay the highest prices, as much as $489 a month if they have full coverage
  • Higher risk drivers that tend to have accidents or serious violations pay on average $1,850 more each year to insure their XC70
  • Increasing physical damage deductibles could save as much as $675 each year

Rates by Driver Age

Volvo XC70 Insurance Rates by Driver Age
Driver Age Premium
16 $5,866
20 $3,684
30 $1,690
40 $1,616
50 $1,472
60 $1,444

Full coverage, $500 deductibles

Rates by Deductible

Volvo XC70 Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,060
$250 $1,856
$500 $1,616
$1,000 $1,384

Full coverage, driver age 40

Rates by Liability Limit

Volvo XC70 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,616
50/100 $1,730
100/300 $1,835
250/500 $2,108
100 CSL $1,772
300 CSL $2,003
500 CSL $2,171

Full coverage, driver age 40

Rates for High Risk Drivers

Volvo XC70 Insurance Rates for High Risk Drivers
Age Premium
16 $8,378
20 $5,846
30 $3,548
40 $3,464
50 $3,298
60 $3,270

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 $219

Potential Rate Discounts

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

Discount Savings
Multi-policy $86
Multi-vehicle $81
Homeowner $23
5-yr Accident Free $118
5-yr Claim Free $103
Paid in Full/EFT $74
Advance Quote $79
Online Quote $115
Total Discounts $679
Rate after discounts $937

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

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