Volvo XC70 Insurance Rates

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

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.

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

View Chart as Image

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.

View Chart as Image

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

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.

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