Volvo XC70 Insurance Rates
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UPDATED: May 19, 2024
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U.S. average insurance prices for a Volvo XC70 are $1,616 every 12 months with full coverage. Comprehensive insurance costs around $390 a 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. Teen drivers pay the highest rates at $5,866 a year or more.
Average premium for full coverage: $1,616
Price estimates for individual coverage:
Prices are based on $500 physical damage deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all U.S. states and XC70 trim levels.
Price Range from Low to High
For the normal driver, Volvo XC70 insurance prices go from the cheapest price of $494 for just liability coverage to a high of $3,464 for a driver that may need high-risk insurance.
Geographic Price Range
Where you live can have significant affects on insurance rates. Areas with sparse population have more infrequent collision claims than larger metro areas.
The diagram below illustrates how geographic area affects auto insurance rates.
The ranges above demonstrate why it is important to compare prices for a specific zip code and their own driving history, 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.
Detailed Rate Analysis
The chart below details estimated Volvo XC70 insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $937
- Using higher $1,000 deductibles will save about $1,384 annually
- The average price for the average middle-age driver using $500 deductibles is $1,616
- Choosing low $100 deductibles for physical damage coverage costs an extra $444 every year
- Drivers with multiple violations and an at-fault accident could pay at least $3,464 or more
- The price to insure a teen driver can be $5,866 or more
Auto insurance prices for a Volvo XC70 are also quite variable based on deductibles and policy limits, your driving record, and the trim level and model year.
Choosing high deductibles could cut prices by as much as $680 every year, while buying higher liability limits will increase prices. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $378 extra every year. View Rates by Deductible or Liability Limit
Older drivers with a good driving record and higher deductibles may pay as little as $1,500 a year for full coverage. Prices are highest for teenage drivers, since even excellent drivers will have to pay as much as $5,800 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you may be forking out at least $1,900 to $2,600 in extra premium each year, depending on your age. A high-risk auto insurance policy can be as much as 44% to 132% more than average. View High Risk Driver Rates
The state you live in has a huge impact on Volvo XC70 insurance prices. A driver around age 40 might see prices as low as $1,160 a year in states like New Hampshire, Ohio, and Utah, or as much as $2,180 on average in Florida, Michigan, and New York.
| 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% |
Since prices can be so different, the best way to find out your exact price is to get quotes and see which company has the best price. Each insurance company uses a different rate calculation, and quoted prices may be quite different.
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 Shop for Affordable Volvo XC70 Insurance
Getting lower rates on car insurance requires being a safe and courteous driver, having a good credit score, avoid buying unnecessary coverage, and maximizing policy discounts. Invest the time to compare rates once a year by requesting rates from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
Below is a brief review of the data that was presented in the illustrations above.
- You may be able to save up to $190 per year simply by quoting early and online
- Policyholders who may need higher levels of liability will pay about $460 every year to increase from a low limit to a 250/500 level
- Teenage drivers are expensive to insure, costing up to $489 a month if comprehensive and collision insurance is included
- Higher risk drivers with DUI or reckless driving convictions pay on average $1,850 more every year for auto insurance
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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