Volvo XC70 Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

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 insurance. Comprehensive costs an estimated $390 a year, collision costs $626, and liability insurance is $420. Liability-only coverage costs around $494 a year, with high-risk coverage costing around $3,464. 16-year-old drivers cost the most to insure at $5,866 a year or more.

Average premium for full coverage: $1,616

Policy rates broken down by type of insurance:

Comprehensive $390
Collision $626
Liability $420

Rates are based on $500 policy deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 states and XC70 trim levels.

Price Range Variability

For a 40-year-old driver, Volvo XC70 insurance rates go from the cheapest price of $494 for your basic liability-only policy to a high of $3,464 for a high-risk driver policy.

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

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on the price of insurance. More rural locations are shown to have more infrequent physical damage claims than congested cities.

The diagram below illustrates how your location can change insurance prices.

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

The examples above illustrate why it is important to compare rates quotes for a targeted area and their own driving history, rather than relying on rate 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 Information

The chart below illustrates estimated Volvo XC70 insurance rates for other coverage scenarios.

  • The best full coverage rate is $937
  • Raising to $1,000 deductibles will save approximately $1,384 each year
  • The average price for a good driver age 40 who has $500 deductibles is $1,616
  • Buying low $100 deductibles increases the price to $2,060
  • Higher-risk drivers with multiple tickets or accidents could pay up to $3,464 or more
  • Policy cost to insure a teen driver can cost as much as $5,866

View Chart as Image

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

Insurance rates for a Volvo XC70 also range considerably based on liability limits and deductibles, your risk profile, and the model year and trim level.

Opting for high physical damage deductibles can reduce rates by up to $680 each year, while buying higher liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $378 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles could pay as little as $1,500 every 12 months on average, or $125 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers should be prepared to pay at least $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 are probably paying $1,900 to $2,600 additional every year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 44% to 132% more than the average rate. View High Risk Driver Rates

Your home state also has a big influence on Volvo XC70 insurance rates. A middle-age driver might find rates as low as $1,060 a year in states like North Carolina, Wisconsin, and Vermont, or at least $2,180 on average in Florida, New York, and Michigan.

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

Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to get quotes from as many companies as possible. Every auto insurance company utilizes a different rate formula, and rates will be varied.

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 2024 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 $278 $422 $520 $1,400

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 the Best Cheap Volvo XC70 Insurance

Finding cheaper rates on Volvo XC70 insurance consists of being safe and accident-free, having above-average credit, being claim-free, and maximizing policy discounts. Invest the time to shop around every time your policy renews by requesting rates from direct insurance companies, and also from insurance agencies where you live.

Below you'll find a quick review of the information illustrated above.

  • It is possible to save approximately $190 per year simply by quoting early and online
  • Youthful drivers are expensive to insure, possibly costing $489 each month if full coverage is included
  • Increasing comprehensive and collision deductibles could save as much as $675 each year
  • High-risk drivers with a DUI or reckless driving violation could be forced to pay on average $1,850 more annually than a low-risk driver
  • Drivers who want more liability protection will pay around $460 annually to raise from a 30/60 limit to a 250/500 level

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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