Volvo XC70 Insurance Rates
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Michelle Robbins
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UPDATED: May 19, 2024
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The average insurance prices for a Volvo XC70 are $1,616 every 12 months for full coverage. Comprehensive costs approximately $390 a year, collision insurance costs $626, and liability insurance costs $420. Liability-only insurance costs as little as $494 a year, and high-risk driver insurance costs around $3,464. Teenage drivers cost the most to insure at up to $5,866 a year.
Average premium for full coverage: $1,616
Policy rates by type of insurance:
Price estimates include $500 policy deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all states and XC70 trim levels.
Price Range Variability
Using a 40-year-old driver as an example, Volvo XC70 insurance rates range from the cheapest price of $494 for your basic liability-only policy to a high of $3,464 for a high-risk driver policy.
Urban vs. Rural Price Range
Your location has a significant impact on car insurance rates. Rural locations are shown to have more infrequent accident claims than densely populated cities. The diagram below illustrates how rural and urban location affects auto insurance prices.
The examples above show why it is important to compare rates using their specific location and their own driving history, rather than relying on 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 shows average Volvo XC70 insurance rates for additional coverage and risk scenarios.
- The best discount rate is $937
- Drivers who choose higher $1,000 deductibles will pay $1,384 a year
- The average price for a good driver age 40 who chooses $500 deductibles is $1,616
- Using low $100 deductibles for comprehensive and collision insurance increases the price to $2,060
- High risk drivers who are prone to accidents and violations could pay around $3,464
- Policy cost to insure a teen driver can cost $5,866 a year
Auto insurance rates for a Volvo XC70 also range considerably based on liability limits and deductibles, your driver profile, and the model of your XC70.
Using high physical damage deductibles could save up to $680 each year, while buying higher liability limits will push rates upward. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $378 extra every year. View Rates by Deductible or Liability Limit
Older drivers with a good driving record and higher deductibles could pay as little as $1,500 per year on average, or $125 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay in the ballpark of $5,800 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you could be paying anywhere from $1,900 to $2,600 in extra premium every year, depending on your age. A high-risk auto insurance policy can cost anywhere from 44% to 132% more than a normal policy. View High Risk Driver Rates
Your home state makes a big difference in Volvo XC70 insurance rates. A 40-year-old driver could pay as low as $1,070 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $2,300 on average in New York, Louisiana, 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 Shop for Cheaper Volvo XC70 Insurance
Finding cheaper rates on Volvo XC70 insurance not only requires being safe and accident-free, but also having a good credit score, avoid buying unnecessary coverage, and possibly higher deductibles. Set aside time to shop around every time your policy renews by obtaining price quotes from direct carriers, and also from your local independent and exclusive agents.
Below you'll find a condensed summary of the information raised in the charts and tables above.
- Drivers can save around $190 per year just by quoting early and online
- Youthful drivers have the highest car insurance rates, costing up to $489 each month if comprehensive and collision insurance is included
- Increasing comprehensive and collision deductibles could save as much as $675 each year
- High-risk drivers with multiple at-fault accidents may pay on average $1,850 more per year than a low-risk driver
- Drivers who purchase more liability protection will pay an extra $460 each year to go from a 30/60 limit to a 250/500 level
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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