Volvo V70 Insurance Rates
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Michelle Robbins
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UPDATED: Jun 2, 2023
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Average insurance prices for a Volvo V70 are $850 every 12 months with full coverage. Comprehensive costs an estimated $150, collision costs $188, and liability is estimated at $376. A policy with just liability insurance costs approximately $426 a year, with coverage for high-risk drivers costing around $1,816. Teen drivers receive the highest rates at $3,376 a year or more.
Average premium for full coverage: $850
Rate estimates broken down by individual coverage type:
Prices include $500 policy deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all U.S. states and for all V70 models.
Price Range by Coverage and Risk
For a driver in their 40's, prices range go from the cheapest price of $426 for just liability coverage to the much higher price of $1,816 for a high-risk insurance policy.
Price Range by Location
Living in a larger city can make a big difference on car insurance rates. More rural locations tend to have more infrequent collision claims than larger metro areas.
The example below illustrates how location helps determine insurance prices.
These examples demonstrate why everyone should get quotes for a targeted area and their own driving history, instead of making a decision based on 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 V70 insurance rates for other coverage scenarios.
- The lowest rate with discounts is $517
- Choosing higher $1,000 deductibles can save approximately $78 annually
- The average price for a 40-year-old driver who has $500 deductibles is $850
- Choosing pricier low deductibles for comp and collision coverage increases the price to $994
- Higher-risk drivers with multiple violations and an at-fault accident could pay up to $1,816 or more
- The cost to insure a 16-year-old driver for full coverage can cost as much as $3,376 each year
Insurance rates for a Volvo V70 can also vary considerably based on policy deductibles and limits, your driving record, and the model year and trim level.
Choosing high deductibles can save as much as $230 annually, whereas buying more liability protection will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $339 more each year. View Rates by Deductible or Liability Limit
A more mature driver with no violations or accidents and higher deductibles may pay as low as $800 annually on average for full coverage. Rates are highest for teen drivers, since even excellent drivers should be prepared to pay at least $3,300 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you may be forking out $1,000 to $1,400 additional per year, depending on your age. Volvo V70 insurance for high-risk drivers ranges from 41% to 131% more than average. View High Risk Driver Rates
Where you live plays a big part in determining prices for Volvo V70 insurance prices. A good driver about age 40 could pay as low as $610 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,150 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $766 | -$84 | -9.9% |
| Alaska | $650 | -$200 | -23.5% |
| Arizona | $704 | -$146 | -17.2% |
| Arkansas | $850 | -$0 | 0.0% |
| California | $966 | $116 | 13.6% |
| Colorado | $810 | -$40 | -4.7% |
| Connecticut | $872 | $22 | 2.6% |
| Delaware | $958 | $108 | 12.7% |
| Florida | $1,060 | $210 | 24.7% |
| Georgia | $786 | -$64 | -7.5% |
| Hawaii | $610 | -$240 | -28.2% |
| Idaho | $574 | -$276 | -32.5% |
| Illinois | $632 | -$218 | -25.6% |
| Indiana | $640 | -$210 | -24.7% |
| Iowa | $572 | -$278 | -32.7% |
| Kansas | $806 | -$44 | -5.2% |
| Kentucky | $1,156 | $306 | 36.0% |
| Louisiana | $1,254 | $404 | 47.5% |
| Maine | $524 | -$326 | -38.4% |
| Maryland | $700 | -$150 | -17.6% |
| Massachusetts | $676 | -$174 | -20.5% |
| Michigan | $1,472 | $622 | 73.2% |
| Minnesota | $710 | -$140 | -16.5% |
| Mississippi | $1,016 | $166 | 19.5% |
| Missouri | $754 | -$96 | -11.3% |
| Montana | $910 | $60 | 7.1% |
| Nebraska | $668 | -$182 | -21.4% |
| Nevada | $1,016 | $166 | 19.5% |
| New Hampshire | $614 | -$236 | -27.8% |
| New Jersey | $948 | $98 | 11.5% |
| New Mexico | $750 | -$100 | -11.8% |
| New York | $892 | $42 | 4.9% |
| North Carolina | $488 | -$362 | -42.6% |
| North Dakota | $696 | -$154 | -18.1% |
| Ohio | $584 | -$266 | -31.3% |
| Oklahoma | $870 | $20 | 2.4% |
| Oregon | $776 | -$74 | -8.7% |
| Pennsylvania | $808 | -$42 | -4.9% |
| Rhode Island | $1,132 | $282 | 33.2% |
| South Carolina | $768 | -$82 | -9.6% |
| South Dakota | $716 | -$134 | -15.8% |
| Tennessee | $742 | -$108 | -12.7% |
| Texas | $1,022 | $172 | 20.2% |
| Utah | $628 | -$222 | -26.1% |
| Vermont | $578 | -$272 | -32.0% |
| Virginia | $508 | -$342 | -40.2% |
| Washington | $656 | -$194 | -22.8% |
| West Virginia | $776 | -$74 | -8.7% |
| Wisconsin | $586 | -$264 | -31.1% |
| Wyoming | $754 | -$96 | -11.3% |
With so much variability in rates, the best way to find out which company is cheapest is to regularly compare rates from multiple companies. Each auto insurer uses a different rate calculation, and rates can be significantly different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Volvo V70 3.2 A | $850 | $71 |
| Volvo V70 3.2 A | $850 | $71 |
| Volvo V70 3.2 R-Design | $864 | $72 |
Rates assume 2000 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 |
|---|
Rates are averaged for all Volvo V70 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 the Right Volvo V70 Insurance
Saving money on insurance for a Volvo V70 takes being a good driver, having above-average credit, eliminating unnecessary coverage, and maximizing policy discounts. Invest time comparing rates at least every other year by requesting quotes from direct companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
The following list is a quick rundown of the car insurance concepts covered in the charts and tables above.
- Drivers considered higher risk with reckless driving or DUI convictions may pay on average $970 more annually than a safer driver
- You may be able to save approximately $90 per year simply by quoting online well ahead of the renewal date
- Increasing deductibles could save as much as $225 each year
- Insureds who want an increased level of liability coverage will pay about $410 every year to raise limits from a minimum limit to a 250/500 level
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,376 |
| 20 | $1,930 |
| 30 | $866 |
| 40 | $850 |
| 50 | $780 |
| 60 | $766 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $994 |
| $250 | $930 |
| $500 | $850 |
| $1,000 | $772 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $850 |
| 50/100 | $939 |
| 100/300 | $1,033 |
| 250/500 | $1,278 |
| 100 CSL | $977 |
| 300 CSL | $1,184 |
| 500 CSL | $1,334 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $4,752 |
| 20 | $3,068 |
| 30 | $1,834 |
| 40 | $1,816 |
| 50 | $1,734 |
| 60 | $1,714 |
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 | $43 |
| Multi-vehicle | $45 |
| Homeowner | $15 |
| 5-yr Accident Free | $52 |
| 5-yr Claim Free | $53 |
| Paid in Full/EFT | $31 |
| Advance Quote | $37 |
| Online Quote | $57 |
| Total Discounts | $333 |
Discounts are estimated and may not be available from every company or in every state.
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