Volvo XC70 Insurance Rates
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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. Comprehensive costs an estimated $390 a year, collision costs $626, and liability is $420. A liability-only policy costs around $494 a year, with high-risk insurance 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:
Estimates include $500 physical damage insurance deductibles, 30/60 liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all states and XC70 trim levels.
Price Range by Coverage and Risk
For the normal driver, prices range go from as low as $494 for the bare minimum liability coverage to a high of $3,464 for a driver required to buy high-risk insurance.
Price Range by Location
Choosing to live in a large city can have significant affects on insurance rates. More rural locations tend to have a lower frequency of accident claims than larger metro areas.
The diagram below illustrates how geographic area affects insurance prices.
These examples show why it is important to compare rates 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.
Additional Rate Information
The chart below shows estimated Volvo XC70 insurance rates for other coverage scenarios.
- The lowest rate with discounts is $937
- Raising to $1,000 deductibles will save approximately $1,384 a year
- The average rate for a 40-year-old driver who has $500 deductibles is $1,616
- Choosing low $100 deductibles will increase the cost to $2,060
- At-risk 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 can cost as much as $5,866
Insurance rates for a Volvo XC70 can also vary considerably based on your driver profile, the trim level of your XC70, and liability limits and deductibles.
Older drivers with a clean driving record and high deductibles may pay as little as $1,500 every 12 months on average for full coverage. Rates are highest for teen drivers, where even good drivers can expect to pay at least $5,800 a year. View Rates by Age
Where you live also has a big influence on Volvo XC70 insurance prices. A middle-age driver might find rates as low as $1,070 a year in states like Iowa, Maine, and Idaho, or 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% |
Choosing high deductibles can reduce rates by up to $680 every year, while buying higher liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will cost as much as $378 more per year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you could be paying $1,900 to $2,600 extra per year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 44% to 132% more than average. View High Risk Driver Rates
With so much variability in rates, the only way to know which company is cheapest is to get quotes and see which company has the best rate. Every auto insurance company uses a different rate calculation, so the rates 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 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.
| 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 Find Low Cost Volvo XC70 Insurance
Saving money on car insurance consists of being a low-risk driver, maintaining good credit, eliminating unneeded coverage, and taking advantage of discounts. Invest the time to compare rates at every policy renewal by quoting rates from direct carriers like GEICO and Progressive, and also from local independent and exclusive agents.
The items below are a review of the data presented in the illustrations above.
- Policyholders who want more liability coverage will pay about $460 each year to raise from a minimum limit to 250/500 limits
- Drivers can save approximately $190 per year simply by quoting early and online
- Increasing deductibles can save around $675 each year
- Teen drivers are charged the highest rates, costing as high as $489 per month for full coverage
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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