Volvo XC70 Insurance Rates

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

Average premium for full coverage: $1,616

Policy rates by type of insurance:

Prices include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and XC70 models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on the price of auto insurance. Rural locations are shown to have lower incidents of physical damage claims than densely populated cities.

The graphic below illustrates how geographic area affects auto insurance prices.

The examples above illustrate why all drivers should compare rates quotes using their specific location, instead of using average rates.

Use the form below to get customized rates for your location.

Additional Rate Details

The chart below illustrates estimated Volvo XC70 insurance rates for additional coverage and risk scenarios.

• The best discount rate is $937
• Raising to $1,000 deductibles will save $232 each year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,616
• Using low deductibles bumps up the cost to $2,060
• At-risk drivers who are prone to accidents and violations could pay around $3,464 or more
• Policy cost that insures a teen driver can cost $5,866

View Chart as Image

Insurance rates for a Volvo XC70 also range considerably based on the trim level and model year, your age and driving record, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you are probably paying anywhere from $1,900 to $2,600 additional every year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 44% to 132% more than a normal policy. View High Risk Driver Rates

More mature drivers with no violations or accidents 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 much higher for teenagers, since even teens with perfect driving records should be prepared 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 $1,060 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $2,180 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $680 every year, whereas increasing liability limits will push rates upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $378 more each year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to figure out who has the best car insurance rates is to do a rate comparison and see which company has the best rate. Every auto insurance company uses a different method to calculate rates, and rates will be varied.

Insurance Rates by Trim Level and Model Year

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.

How to Find the Right Volvo XC70 Insurance

Finding cheaper rates on car insurance consists of avoiding accidents and violations, having a good credit score, being claim-free, and qualifying for all possible discounts. Compare prices every other policy renewal by obtaining price quotes from direct insurance companies, and also from your local car insurance providers.

The list below is a quick rundown of the ideas that were presented in the illustrations above.

• Teenagers are the costliest to insure, possibly costing $489 each month if comprehensive and collision insurance is included
• Higher risk drivers with reckless driving or DUI convictions could be charged and average of $1,850 more per year for car insurance
• Increasing comprehensive and collision deductibles can save approximately $675 each year
• It is possible to save around $190 per year simply by quoting online in advance