Volvo V70 Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Jun 2, 2023
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Estimated insurance prices for a Volvo V70 are $850 every 12 months for full coverage. Comprehensive insurance costs on average $150, collision costs $188, and liability insurance costs around $376. A liability-only policy costs as low as $426 a year, with high-risk insurance costing $1,816 or more. 16-year-old drivers pay the most at $3,376 a year or more.
Average premium for full coverage: $850
Premium estimates by type of coverage:
Prices include $500 deductible amounts, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all states and for different V70 trim levels.
Insurance Price Range by Risk and Coverage
For the average 40-year-old driver, insurance rates for a Volvo V70 go from the cheapest price of $426 for liability-only coverage to a much higher rate of $1,816 for a driver who requires high-risk insurance.
Insurance Price Range by Location
Where you live has a significant impact on car insurance rates. Rural areas are statistically proven to have more infrequent accident claims than congested cities.
The price range example below illustrates the difference location can make on car insurance rates.
These rate differences show why anyone shopping for car insurance should compare prices based on a specific location and their own driving history, rather than relying on rate 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.
Additional Charts and Tables
The chart below shows estimated Volvo V70 insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $517
- Using higher $1,000 deductibles will save around $78 a year
- The average price for a 40-year-old good driver with $500 deductibles is $850
- Buying more expensive low deductibles for physical damage coverage costs an extra $144 a year
- Drivers with multiple tickets or accidents could pay upwards of $1,816 or more
- An auto insurance policy to insure a teen driver with full coverage may cost $3,376 or more
Auto insurance prices for a Volvo V70 also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the trim level of your V70.
Opting for high physical damage deductibles could cut prices by as much as $230 each year, while increasing your policy's liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will cost up to $339 extra every year. View Rates by Deductible or Liability Limit
An older driver with a good driving record and higher deductibles could pay as little as $800 a year, or $67 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will have to pay upwards of $3,300 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you could be paying at a minimum $1,000 to $1,400 in extra premium annually, depending on your age. High-risk driver insurance can be anywhere from 41% to 131% more than the average rate. View High Risk Driver Rates
Where you choose to live has a huge impact on Volvo V70 insurance rates. A driver around age 40 might see prices as low as $560 a year in states like Idaho, Maine, and Iowa, or at least $1,210 on average in Michigan, Louisiana, and New York.
| 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 such a large range in prices, the only way to know exactly what you will pay is to compare prices from as many companies as possible. Each insurance company utilizes a different rate formula, and quoted prices will be substantially 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
Finding better rates on Volvo V70 insurance requires having a good driving record, having a good credit score, not filing small claims, and taking advantage of discounts. Make time to compare rates at every other renewal by getting quotes from direct carriers, and also from local independent and exclusive agents.
The next list is a quick rundown of the concepts that were touched on in this article.
- High-risk drivers with reckless driving or DUI convictions pay an average of $970 more each year to buy Volvo V70 insurance
- Drivers age 20 and younger are charged the highest prices, as much as $281 per month if comprehensive and collision insurance is included
- Drivers can save as much as $90 per year simply by shopping early and online
- Increasing policy deductibles could save as much as $225 each year
- Drivers can save as much as $90 per year simply by shopping early and online
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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