Volvo XC70 Insurance Rates
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UPDATED: May 19, 2024
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U.S. average auto insurance rates for a Volvo XC70 are $1,616 annually with full coverage. Comprehensive costs on average $390, collision insurance costs $626, and liability is estimated at $420. Buying just liability costs approximately $494 a year, and insurance for high-risk drivers costs around $3,464. Teen drivers pay the highest rates at up to $5,866 a year.
Average premium for full coverage: $1,616
Price estimates by individual coverage:
Prices are based on $500 policy deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all U.S. states and for different XC70 trim levels.
Price Range from Low to High
Using a middle-aged driver as an example, Volvo XC70 insurance prices range from as cheap as $494 for a discount liability-only rate to a much higher rate of $3,464 for high-risk insurance.
Geographic Price Range
Living in a larger city can have significant affects on auto insurance rates. Rural areas have fewer collision claims than larger metro areas. The price range example below illustrates how where you live affects car insurance rates.
The ranges above demonstrate why anyone shopping for car insurance should get quotes based on a specific location and their own personal driving habits, 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.
Rates by State, City, and Model
The chart below details average Volvo XC70 insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $937
- Choosing higher $1,000 deductibles can save around $232 annually
- The estimated rate for the average middle-age driver with $500 deductibles is $1,616
- Choosing more expensive low deductibles for comp and collision coverage will cost $2,060
- Unlucky drivers with multiple violations and an at-fault accident could pay upwards of $3,464
- The price with full coverage for a teen driver with full coverage may cost $5,866 each year
Insurance prices for a Volvo XC70 are also quite variable based on the trim level and model year, your driving record, and policy deductibles and limits.
An older driver with no violations or accidents and high physical damage deductibles may pay as little as $1,500 annually on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they should be prepared to pay upwards of $5,800 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you may be forking out at a minimum $1,900 to $2,600 additional each year, depending on your age. High-risk driver insurance ranges as much as 44% to 132% more than average. View High Risk Driver Rates
Choosing high deductibles can save as much as $680 every year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $378 more each year. View Rates by Deductible or Liability Limit
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 $1,160 a year in states like New Hampshire, Ohio, and Utah, or as much as $2,180 on average in Florida, Michigan, 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 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 Affordable Volvo XC70 Insurance
Getting lower rates on car insurance takes avoiding accidents and claims, having good credit, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Take the time to comparison shop every couple of years by requesting rates from direct companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.
The points below are a brief review of the material that was touched on in the above illustrations.
- Policyholders who require increased liability limits will pay about $460 every year to raise limits from a low limit to higher 250/500 limits
- Drivers under the age of 20 pay higher prices, costing up to $489 a month if they have full coverage
- Higher risk drivers with DUI or reckless driving convictions pay an average of $1,850 more each year to insure a Volvo XC70
- Increasing physical damage deductibles could save up to $675 each year
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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