Volvo XC70 Insurance Rates

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UPDATED: May 19, 2024

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The average insurance rates for a Volvo XC70 are $1,616 a year for full coverage. Comprehensive costs approximately $390 a year, collision insurance costs $626, and liability is $420. Liability-only insurance costs around $494 a year, and high-risk driver insurance costs around $3,464. Teen drivers cost the most to insure at up to $5,866 a year.

Average premium for full coverage: $1,616

Policy rates by type of insurance:

Comprehensive $390
Collision $626
Liability $420

Full coverage includes $500 policy deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all states and XC70 trim levels.

Price Range Variability

For a driver in their 40's, Volvo XC70 insurance rates range from the low end price of $494 for just liability coverage to a high of $3,464 for a driver that may need high-risk insurance.

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

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on car insurance rates. Rural locations are shown to have lower incidents of accident claims than larger metro areas. The diagram below illustrates how location helps determine auto insurance prices.

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

The examples above show why it is important to compare rates quotes using their specific location, instead of using 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 shows average Volvo XC70 insurance rates for additional coverage and risk scenarios.

  • The lowest rate with discounts is $937
  • Raising to $1,000 deductibles will save $1,384 a year
  • The estimated price for a good driver age 40 who chooses $500 deductibles is $1,616
  • Choosing low $100 deductibles bumps up the cost to $2,060
  • At-risk drivers with multiple violations and an at-fault accident could pay around $3,464
  • Policy cost that insures a teen driver can cost $5,866

View Chart as Image

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

Auto insurance rates for a Volvo XC70 also range considerably based on the trim level of your XC70, how you drive, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you could be paying anywhere from $1,900 to $2,600 in extra premium every year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 44% to 132% more than average. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,500 every 12 months on average, or $125 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will have to pay in the ballpark of $5,800 a year. View Rates by Age

Your home state also has a big influence on Volvo XC70 insurance prices. A middle-age driver might find rates as low as $1,070 a year in states like Iowa, Maine, and Idaho, or as much as $2,300 on average in New York, Louisiana, and Michigan.

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

Choosing high deductibles can reduce rates by up to $680 every year, while buying higher liability limits will push rates upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $378 extra every year. View Rates by Deductible or Liability Limit

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 Find More Affordable Volvo XC70 Insurance

Finding cheaper rates on car insurance consists of avoiding accidents and claims, maintaining a good credit score, avoid buying unnecessary coverage, and possibly higher deductibles. Shop around once a year by obtaining price quotes from direct carriers, and also from insurance agencies where you live.

The points below are a summary of the data that was covered in the charts and tables above.

  • Drivers can save around $190 per year just by quoting early and online
  • Policyholders who purchase increased liability limits will pay about $460 each year to raise from a 30/60 limit to the 250/500 level
  • Drivers under the age of 20 have the highest car insurance rates, costing up to $489 each month if the policy includes full coverage
  • Higher risk drivers who have multiple accidents or major violations could be forced to pay on average $1,850 more per year to insure a Volvo XC70

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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