Volvo XC70 Insurance Rates

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UPDATED: May 19, 2024

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Average auto insurance rates for a Volvo XC70 are $1,616 annually with full coverage. Comprehensive insurance costs around $390, collision costs $626, and liability is $420. Liability-only coverage costs around $494 a year, with high-risk coverage costing $3,464 or more. Teens receive the highest rates at $5,866 a year or more.

Average premium for full coverage: $1,616

Rate estimates for individual coverage type:

Comprehensive $390
Collision $626
Liability $420

Estimates include $500 physical damage insurance deductibles, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all U.S. states and for all XC70 models.

Price Range by Coverage and Risk

For an average driver, prices range go from as cheap as $494 for liability-only coverage to the much higher price of $3,464 for a driver that may need high-risk insurance.

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

Price Range by Location

Choosing to live in a large city can have significant affects on insurance rates. Areas with sparse population tend to have fewer collision claims than cities with more traffic congestion.

The example below illustrates the effect of geographic area on auto insurance rates.

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

These examples demonstrate why everyone should compare rates quotes for a specific zip code and their own personal driving habits, instead of using averaged prices.

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 details estimated Volvo XC70 insurance rates for additional coverage choices and driver risks.

  • The cheapest rate after discounts is $937
  • Raising to $1,000 deductibles will save about $232 annually
  • The estimated rate for a 40-year-old driver using $500 deductibles is $1,616
  • Selecting pricier low deductibles costs an additional $444 every year
  • At-risk drivers with serious driving violations could pay at least $3,464 or more
  • The cost with full coverage for a teen driver for full coverage can be $5,866

View Chart as Image

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

Car insurance rates for a Volvo XC70 can also vary considerably based on the trim level of your XC70, your driving record, and deductibles and policy limits.

A more mature driver with no driving violations and high physical damage deductibles may pay as little as $1,500 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will be charged as much as $5,800 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you may be forking out 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 as much as 44% to 132% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $680 every year, whereas buying more liability protection will increase rates. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $378 extra every 12 months. 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 $1,160 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $2,180 on average in Florida, Michigan, and New York.

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

With so much variability in rates, the best way to find out your exact price is to regularly compare rates and see which company has the best rate. Every auto insurance company calculates rates differently, so rate quotes can be significantly different between companies.

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 Buy Low Cost Volvo XC70 Insurance

Saving money on car insurance consists of being a low-risk driver, having a good credit score, eliminating unnecessary coverage, and qualifying for all possible discounts. Take the time to compare rates once a year by getting rate quotes from direct companies like Progressive and GEICO, and also from local exclusive and independent agents.

The items below are a review of the data that was covered in the above illustrations.

  • You may be able to save up to $190 per year simply by quoting online well ahead of the renewal date
  • Policyholders who may need more liability coverage will pay approximately $460 every year to raise from a minimum limit to higher 250/500 limits
  • Teen drivers are the costliest to insure, with premiums as much as $489 per month if comprehensive and collision insurance is included
  • Higher risk drivers who have several accidents or serious violations may pay on average $1,850 more every year to insure their 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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