Volvo XC70 Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
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: May 19, 2024
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Average auto insurance rates for a Volvo XC70 are $1,616 annually including full coverage. Comprehensive insurance costs around $390 each year, collision costs $626, and liability is $420. A liability-only policy costs around $494 a year, with high-risk insurance costing $3,464 or more. Teen drivers receive the highest rates at $5,866 a year or more.
Average premium for full coverage: $1,616
Rate estimates for individual coverage type:
These estimates include $500 deductible amounts, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and XC70 models.
Price Range by Coverage and Risk
For a driver in their 40's, prices range go from as cheap as $494 for liability-only coverage to a high rate of $3,464 for a driver who requires high-risk insurance.
Price Range by Location
Choosing to live in a large city can make a big difference on the price of insurance. Areas with sparse population tend to have fewer comprehensive and collision claims than larger metro areas.
The graphic below illustrates how location helps determine auto insurance rates.
These examples highlight why all drivers should compare rates quotes for a specific zip code and their own personal driving habits, 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.
Additional Charts and Tables
The chart below breaks down estimated Volvo XC70 insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $937
- Raising to $1,000 deductibles will save about $232 every year
- The estimated rate for a 40-year-old driver using $500 deductibles is $1,616
- Choosing low deductibles costs an additional $444 annually
- Drivers with multiple violations and an at-fault accident could pay at least $3,464 or more
- The cost with full coverage for a 16-year-old driver can be $5,866
Insurance rates for a Volvo XC70 can also vary considerably based on the trim level of your XC70, your driving characteristics, and deductibles and policy limits.
More mature drivers with a clean driving record and high physical damage deductibles may pay as low as $1,500 every 12 months on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they can expect to pay as much as $5,800 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are likely paying at least $1,900 to $2,600 extra per year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 44% to 132% more than average. View High Risk Driver Rates
Choosing high deductibles can reduce rates by up to $680 annually, whereas increasing liability limits will increase rates. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $378 more per year. View Rates by Deductible or Liability Limit
Where you live also has a big influence on Volvo XC70 insurance prices. A middle-age driver might find rates as low as $1,240 a year in states like Missouri, New Hampshire, and Vermont, or as much as $2,300 on average in Michigan, New York, and Louisiana.
| 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% |
With so much variability in rates, the best way to figure out your exact price is to do a rate comparison from multiple companies. Every auto insurance company uses a different rate calculation, so the rates can be significantly different between companies.
Insurance Rates by Trim Level and Model Year
| 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.
| 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 Buy Cheap Volvo XC70 Insurance
Saving money on insurance for a Volvo XC70 consists of having a good driving record, having a good credit history, not filing small claims, and insuring your home and auto with the same company. Invest time comparing rates at every other renewal by quoting rates from direct car insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.
The next list is a brief summary of the concepts that were covered in the charts and tables above.
- Drivers considered higher risk that tend to have accidents or serious violations may pay on average $1,850 more every year to buy Volvo XC70 insurance
- Drivers age 20 and younger pay higher rates, as much as $489 per month including comprehensive and collision insurance
- You may be able to save up to $190 per year simply by quoting online in advance
- Increasing deductibles could save up to $675 each year
- You may be able to save up to $190 per year simply by quoting online in advance
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $2,060 |
| $250 | $1,856 |
| $500 | $1,616 |
| $1,000 | $1,384 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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