Volvo XC70 Insurance Rates
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Michelle Robbins
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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...
Licensed Insurance Agent
UPDATED: May 19, 2024
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Average insurance prices for a Volvo XC70 are $1,616 every 12 months for full coverage. Comprehensive insurance costs around $390, collision insurance costs $626, and liability coverage is $420. A liability-only policy costs around $494 a year, and high-risk insurance costs $3,464 or more. 16-year-old drivers receive the highest rates at up to $5,866 a year.
Average premium for full coverage: $1,616
Rate estimates for individual coverage type:
Rate estimates include $500 physical damage deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all states and for all XC70 models.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range range from the cheapest price of $494 for liability-only coverage to the much higher price of $3,464 for coverage for higher-risk drivers.
Price Range by Location
Choosing to live in a large city has a large influence on auto insurance rates. Areas with sparse population tend to have more infrequent accident claims than congested cities. The example below illustrates how rural and urban location affects auto insurance rates.
These examples show why everyone should compare rates quotes for a specific zip code and their own driving history, rather than using 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.
Additional Charts and Tables
The chart below shows average Volvo XC70 insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $937
- Raising to $1,000 deductibles will save about $232 a year
- The average price for a 40-year-old driver using $500 deductibles is $1,616
- Buying pricier low deductibles costs an extra $444 each year
- Unlucky drivers with multiple tickets or accidents could pay at least $3,464
- The cost to insure a teenage driver for full coverage can be $5,866
Insurance rates for a Volvo XC70 can also vary considerably based on policy deductibles and limits, your driver profile, and the trim level and model year.
Opting for high physical damage deductibles can reduce rates by up to $680 a year, whereas buying more liability protection will increase rates. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $378 more per year. View Rates by Deductible or Liability Limit
A more mature driver with a clean driving record and higher deductibles may only pay around $1,500 every 12 months on average for full coverage. Rates are highest for teen drivers, since even excellent drivers can expect to pay as much as $5,800 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you could be paying at least $1,900 to $2,600 extra per year, depending on your age. Volvo XC70 insurance for high-risk drivers is expensive and can cost around 44% to 132% more than the average rate. View High Risk Driver Rates
Where you live also has a big influence on Volvo XC70 insurance rates. A middle-age driver might find rates as low as $1,070 a year in states like Idaho, Maine, and Iowa, or at least $2,300 on average in Michigan, Louisiana, and New York.
| 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% |
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 2026 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 | $250 | $364 | $524 | $1,318 |
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 the Best Volvo XC70 Insurance
Saving money on auto insurance consists of being a safe and courteous driver, having good credit, eliminating unneeded coverage, and dropping full coverage on older vehicles. Set aside time to shop around at least once a year by getting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
Below is a brief recap of the primary concepts that were raised in the charts and tables above.
- Drivers can save up to $190 per year just by quoting online well ahead of the renewal date
- Drivers who tend to receive serious violations may pay on average $1,850 more every year for auto insurance
- Increasing deductibles could save as much as $675 each year
- Teenage drivers pay higher rates, costing as high as $489 per month if they have full coverage
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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