Volvo XC70 Insurance Rates
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Michelle Robbins
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UPDATED: May 19, 2024
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Average insurance rates for a Volvo XC70 are $1,616 a year for full coverage insurance. Comprehensive costs an estimated $390, collision costs $626, and liability is estimated at $420. Liability-only coverage costs approximately $494 a year, with high-risk coverage costing around $3,464. Teen drivers receive the highest rates at $5,866 a year or more.
Average premium for full coverage: $1,616
Rate estimates broken down by individual coverage type:
Prices include $500 policy deductibles, split liability limits of 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all 50 states and for all XC70 models.
Price Range by Coverage and Risk
For a driver in their 40's, prices range go from as low as $494 for just liability insurance to the much higher price of $3,464 for coverage for higher-risk drivers.
Price Range by Location
Living in a larger city can have significant affects on the price of insurance. More rural locations tend to have a lower frequency of physical damage claims than larger metro areas.
The example below illustrates how location helps determine insurance prices.
These examples illustrate why everyone should get quotes for a targeted area and risk profile, 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.
More Rate Details
The chart below illustrates estimated Volvo XC70 insurance rates for other coverage scenarios.
- The lowest rate with discounts is $937
- Choosing higher $1,000 deductibles can save approximately $232 each year
- The average rate for a 40-year-old driver who has $500 deductibles is $1,616
- Choosing pricier low deductibles for comp and collision coverage will increase the cost to $2,060
- Unlucky drivers with multiple violations and an at-fault accident could pay up to $3,464 or more
- The cost for full coverage for a teen driver for full coverage can cost as much as $5,866 each year
Car insurance rates for a Volvo XC70 can also vary considerably based on your driver profile, the model year and trim level, and liability limits and deductibles.
A more mature driver with no driving violations and high deductibles may pay as little as $1,500 annually on average for full coverage. Rates are highest for teen drivers, where even good drivers will be charged at least $5,800 a year. View Rates by Age
Where you live plays a big part in determining prices for Volvo XC70 insurance prices. A good driver about age 40 could pay as low as $1,060 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $2,180 on average in Florida, 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% |
Choosing high deductibles can save as much as $680 every year, whereas buying more liability protection will increase premiums. Switching from a 50/100 limit to a 250/500 limit will cost as much as $378 extra every 12 months. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you are probably paying $1,900 to $2,600 extra per year, depending on your age. Volvo XC70 insurance for high-risk drivers ranges as much as 44% to 132% more than average. View High Risk Driver Rates
With so much variability in rates, the only way to figure out which company is cheapest is to regularly compare rates and see which company has the best rate. Each auto insurer uses a different rate calculation, so rate quotes can be significantly different from one company to the next.
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 Find the Right Volvo XC70 Insurance
Saving money on car insurance takes being a good driver, having above-average credit, avoid buying unnecessary coverage, and not having any coverage lapses. Invest time comparing rates at least once a year by getting rate quotes from direct insurance companies like GEICO and Progressive, and also from several local insurance agents.
The following list is a quick rundown of the primary concepts that were covered in the charts and tables above.
- It is possible to save approximately $190 per year simply by quoting online well ahead of the renewal date
- Higher risk drivers with reckless driving or DUI convictions pay on average $1,850 more annually than a safer driver
- Increasing deductibles can save around $675 each year
- Drivers age 16 to 20 have the highest car insurance rates, costing up to $489 per month if full coverage is included
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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