Volvo XC70 Insurance Rates
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UPDATED: May 19, 2024
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Average auto insurance rates for a Volvo XC70 are $1,616 annually for full coverage insurance. Comprehensive insurance costs on average $390, collision costs $626, and liability costs around $420. A policy with just liability insurance costs as low as $494 a year, with coverage for high-risk drivers costing $3,464 or more. Teens receive the highest rates at $5,866 a year or more.
Average premium for full coverage: $1,616
Rate estimates by individual coverage type:
These estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 states and for different XC70 trim levels.
Price Range by Coverage and Risk
For a 40-year-old driver, prices range go from as cheap as $494 for basic liability insurance to a much higher rate of $3,464 for a driver required to buy high-risk insurance.
Price Range by Location
Where you live can make a big difference on insurance rates. Rural areas tend to have fewer physical damage claims than cities with more traffic congestion.
The price range example below illustrates how your location can change car insurance rates.
These examples illustrate why anyone shopping for car insurance should compare prices based on a specific location and their own personal driving habits, instead of making a decision based 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.
Rate Comparisons
The chart below illustrates estimated Volvo XC70 insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $937
- Using higher $1,000 deductibles will save around $232 each year
- The estimated rate for a 40-year-old driver with $500 deductibles is $1,616
- Selecting more expensive low deductibles for physical damage coverage costs an additional $444 annually
- High-risk insureds with serious driving violations could pay upwards of $3,464 or more
- The cost with full coverage for a 16-year-old driver with full coverage may cost $5,866 or more
Insurance rates for a Volvo XC70 can also vary considerably based on the trim level of your XC70, your risk profile, and policy deductibles and limits.
An older driver with no violations or accidents and high physical damage deductibles may pay as low as $1,500 a year for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they should be prepared to pay upwards of $5,800 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are probably paying at a minimum $1,900 to $2,600 additional per year, depending on your age. High-risk driver insurance can be from 44% to 132% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $680 annually, while increasing your policy's liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $378 more each year. View Rates by Deductible or Liability Limit
Where you live has a huge impact on Volvo XC70 insurance prices. A driver around age 40 might see rates as low as $1,060 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $2,180 on average in Michigan, New York, 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% |
With so much variability in rates, the only way to figure out exactly what you will pay is to compare rates from multiple companies. Each insurance company calculates rates differently, and rates can be significantly different between companies.
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 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.
| 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 Buy Cheap Volvo XC70 Insurance
Saving money on insurance for a Volvo XC70 requires avoiding accidents and violations, having good credit, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Invest the time to shop around at every policy renewal by requesting rates from direct insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.
The list below is a brief summary of the data illustrated above.
- Insureds who require higher liability limits will pay approximately $460 annually to increase from a minimum limit to higher 250/500 limits
- It is possible to save as much as $190 per year simply by shopping early and online
- Increasing deductibles could save up to $675 each year
- Teenagers pay higher rates, costing up to $489 per month if they have 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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