Volvo XC70 Insurance Rates
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UPDATED: May 19, 2024
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The average insurance rates for a Volvo XC70 are $1,616 a year with full coverage. Comprehensive insurance costs an estimated $390 each year, collision costs $626, and liability costs around $420. Liability-only coverage costs as low as $494 a year, with high-risk coverage costing $3,464 or more. Teenage 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:
Price estimates include $500 policy deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all U.S. states and XC70 models.
Price Range Variability
For the average driver, Volvo XC70 insurance rates go from the low end price of $494 for just liability coverage to a high rate of $3,464 for high-risk insurance.
Urban vs. Rural Price Range
Where you live can make a big difference on car insurance rates. More rural locations are shown to have lower incidents of collision claims than densely populated cities.
The graphic below illustrates how location impacts insurance prices.
The examples above demonstrate why all drivers should compare prices for a targeted area, instead of making a decision based 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.
Detailed Rate Analysis
The chart below details estimated Volvo XC70 insurance rates for other coverage scenarios.
- The best discount rate is $937
- Using higher $1,000 deductibles will save approximately $232 annually
- The estimated price for a good driver age 40 who has $500 deductibles is $1,616
- Using low deductibles for physical damage coverage will cost an additional $444 annually
- High-risk insureds who are prone to accidents and violations could pay up to $3,464 or more
- Policy cost that insures a 16-year-old driver can cost as much as $5,866 or more
Insurance rates for a Volvo XC70 also range considerably based on the trim level and model year, your age and driving habits, and liability limits and deductibles.
If you have a few points on your driving record or you caused an accident, you may be forking out $1,900 to $2,600 additional every year, depending on your age. Insurance for high-risk drivers can be from 44% to 132% more than a normal policy. View High Risk Driver Rates
More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,500 a year, or $125 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay at least $5,800 a year. View Rates by Age
Your home state has a huge impact on Volvo XC70 insurance prices. A driver around age 40 might see rates as low as $1,160 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $2,180 on average in New York, Michigan, and Florida.
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% |
Using high physical damage deductibles could cut rates by as much as $680 annually, whereas increasing liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $378 more each year. View Rates by Deductible or Liability Limit
Because rates have so much variability, the best way to find out which auto insurance is cheapest is to do a rate comparison from multiple companies. Each insurance company uses a different method to calculate rates, and rates will be varied.
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 Cheaper Volvo XC70 Insurance
Finding cheaper rates on insurance for a Volvo XC70 requires being a good driver, having a good credit score, not filing small claims, and maximizing policy discounts. Compare prices every couple of years by getting quotes from direct companies, and also from insurance agencies where you live.
The following list is a condensed summary of the material that was touched on above.
- Insureds who want an increased level of liability coverage will pay an extra $460 every year to increase from a 30/60 limit to the 250/500 level
- Drivers age 16 to 20 are expensive to insure, as much as $489 each month if comprehensive and collision insurance is included
- Drivers considered higher risk with multiple at-fault accidents could be forced to pay on average $1,850 more annually than a safer driver
- Increasing comprehensive and collision deductibles can save approximately $675 each year
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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