Volvo XC70 Insurance Rates
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Michelle Robbins
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UPDATED: May 19, 2024
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Average auto insurance rates for a Volvo XC70 are $1,616 annually including full coverage. Comprehensive costs an estimated $390 each year, collision insurance costs $626, and liability coverage costs around $420. A policy with just liability insurance costs as low as $494 a year, and coverage for high-risk drivers costs around $3,464. Teenage drivers receive the highest rates at up to $5,866 a year.
Average premium for full coverage: $1,616
Rate estimates broken down by individual coverage type:
Rate estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 U.S. states and XC70 models.
Price Range by Coverage and Risk
For a driver in their 40's, prices range range from as cheap as $494 for your basic liability-only policy to a high rate of $3,464 for high-risk insurance.
Price Range by Location
Where you live has a large influence on the price of auto insurance. More rural locations tend to have fewer comprehensive and collision claims than densely populated cities. The graphic below illustrates how location helps determine insurance prices.
These examples highlight why all drivers should compare prices for a targeted area and their own personal driving habits, rather than using average rates.
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.
More Rate Information
The chart below breaks down average Volvo XC70 insurance rates for other coverage scenarios.
- The best discount rate is $937
- Using higher $1,000 deductibles will save approximately $232 every year
- The estimated rate for a 40-year-old driver who has $500 deductibles is $1,616
- Using low deductibles for physical damage coverage will cost $2,060
- Higher-risk drivers who are prone to accidents and violations could pay up to $3,464
- The cost with full coverage for a teenage driver can cost as much as $5,866 or more
Insurance rates for a Volvo XC70 can also vary considerably based on the trim level of your XC70, your driving characteristics, and liability limits and deductibles.
More mature drivers with no violations or accidents and high physical damage deductibles may only pay around $1,500 a year for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they should be prepared to pay at least $5,800 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are likely paying $1,900 to $2,600 additional per year, depending on your age. Insurance for high-risk drivers can be around 44% to 132% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could cut rates by as much as $680 a year, whereas increasing liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $378 more each year. View Rates by Deductible or Liability Limit
Where you live has a huge impact on Volvo XC70 insurance rates. A driver around age 40 might see rates as low as $1,240 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,300 on average in Louisiana, New York, and Michigan.
| 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 Buy the Best Volvo XC70 Insurance
Saving money on auto insurance requires avoiding accidents and violations, having good credit, not filing small claims, and possibly raising deductibles. Invest time comparing rates every couple of years by getting quotes from direct car insurance companies like Progressive and GEICO, and also from insurance agencies where you live.
The list below is a brief recap of the material that was covered in the charts and tables above.
- Consumers who want higher liability limits will pay an extra $460 per year to increase from a minimum limit to higher 250/500 limits
- Teenagers are expensive to insure, as much as $489 per month if they have full coverage
- Drivers who tend to receive serious violations could be forced to pay on average $1,850 more annually for car insurance
- Increasing 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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