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 with full coverage. Comprehensive insurance costs on average $390 each year, collision insurance costs $626, and liability insurance is $420. A liability-only policy costs around $494 a year, and high-risk insurance costs $3,464 or more. Teens receive the highest rates at up to $5,866 a year.

Average premium for full coverage: $1,616

Rate estimates by individual coverage type:

Comprehensive $390
Collision $626
Liability $420

Prices include $500 policy deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all U.S. states and XC70 models.

Price Range by Coverage and Risk

Using a middle-aged driver as an example, prices range range from as low as $494 for just the minimum liability insurance to a high rate of $3,464 for a driver who requires high-risk insurance.

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

Price Range by Location

Choosing to live in a large city has a significant impact on auto insurance rates. Rural areas tend to have a lower frequency of collision claims than cities with more traffic congestion. The graphic below illustrates how where you live affects car insurance rates.

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

These examples demonstrate why all drivers should compare rates quotes based on a specific location and risk profile, rather than relying on averaged prices.

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 Analysis

The chart below details average Volvo XC70 insurance rates for different risk profiles and scenarios.

  • The cheapest rate after discounts is $937
  • Raising to $1,000 deductibles will save around $232 annually
  • The average rate for a 40-year-old driver with $500 deductibles is $1,616
  • Selecting low deductibles will cost an extra $444 a year
  • Higher-risk drivers with serious driving violations could pay upwards of $3,464
  • The cost for full coverage for a teen driver may cost $5,866

View Chart as Image

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

Insurance rates for a Volvo XC70 can also vary considerably based on your driver profile, the trim level and model year, and policy deductibles and limits.

More mature drivers with a clean driving record and high deductibles could pay as little as $1,500 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even good drivers can expect to pay upwards of $5,800 a year. View Rates by Age

Where you live also has a big influence on Volvo XC70 insurance rates. A middle-age driver might find rates as low as $1,160 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $2,180 on average in Florida, Michigan, and New York.

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

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $680 each year, whereas increasing liability limits will cost you more. Moving 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 may be forking out at a minimum $1,900 to $2,600 extra per year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 44% to 132% more than the average policy. View High Risk Driver Rates

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 2025 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 $260 $388 $520 $1,348

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 Volvo XC70 insurance consists of avoiding accidents and claims, maintaining good credit, eliminating unnecessary coverage, and determing if full coverage is necessary. Take the time to comparison shop at every other renewal by getting rate quotes from direct companies like GEICO and Progressive, and also from local insurance agents.

The points below are a quick rundown of the concepts that were touched on in the above illustrations.

  • High-risk drivers with reckless driving or DUI convictions may be required to pay an average of $1,850 more each year to insure a Volvo XC70
  • Drivers under the age of 20 pay the highest rates, with premiums as much as $489 per month for full coverage
  • You may be able to save as much as $190 per year just by quoting online in advance
  • Increasing deductibles can save around $675 each year
  • You may be able to save as much as $190 per year just by quoting online in advance

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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