Volvo V70 Insurance Rates
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Michelle Robbins
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UPDATED: Jun 2, 2023
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The average insurance prices for a Volvo V70 are $850 every 12 months for full coverage. Comprehensive costs around $150, collision costs $188, and liability coverage is estimated at $376. Liability-only insurance costs approximately $426 a year, with high-risk driver insurance costing around $1,816. Teen drivers cost the most to insure at $3,376 a year or more.
Average premium for full coverage: $850
Policy rates for type of insurance:
Prices are based on $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all states and for different V70 trim levels.
Price Range Variability
For the normal driver, Volvo V70 insurance rates go from the cheapest price of $426 for a discount liability-only rate to a much higher rate of $1,816 for a driver who has had serious violations or accidents.
Urban vs. Rural Price Range
Living in a larger city has a large influence on auto insurance rates. Areas with sparse population are shown to have more infrequent accident claims than larger metro areas.
The price range example below illustrates how geographic area affects auto insurance rates.
The examples above show why anyone shopping for car insurance should get quotes for a specific zip code and their own driving history, rather than 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.
Rates by State, City, and Model
The chart below shows estimated Volvo V70 insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $517
- Choosing higher $1,000 deductibles can save about $78 a year
- The average price for a good driver age 40 using $500 deductibles is $850
- Choosing more expensive low deductibles for comp and collision coverage increases the price to $994
- Drivers with multiple violations and an at-fault accident could pay at least $1,816 or more
- Policy cost to insure a teenage driver with full coverage can be $3,376 each year
Auto insurance rates for a Volvo V70 also range considerably based on liability limits and deductibles, your driver profile, and the trim level and model year.
Choosing high deductibles can save as much as $230 a year, while increasing your policy's liability limits will increase rates. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $339 extra every year. View Rates by Deductible or Liability Limit
An older driver with a good driving record and higher deductibles may only pay around $800 annually on average, or $67 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will have to pay as much as $3,300 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you could be paying at least $1,000 to $1,400 in extra premium every year, depending on your age. High-risk driver insurance ranges around 41% to 131% more than average. View High Risk Driver Rates
Your home state plays a big part in determining prices for Volvo V70 insurance rates. A good driver about age 40 could pay as low as $560 a year in states like Idaho, Maine, and Iowa, or as much as $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% |
Because rates have so much variability, the only way to know your exact price is to compare rates and see how they stack up. Each auto insurer uses a different rate calculation, and quoted rates will be varied.
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 Affordable Volvo V70 Insurance
Finding cheaper rates on auto insurance takes having a decent driving record, having a good credit score, avoid buying unnecessary coverage, and maximizing policy discounts. Invest the time to compare rates every other policy renewal by obtaining price quotes from direct carriers, and also from local exclusive and independent agents.
The following items are a brief review of the ideas that were presented in the illustrations above.
- 16 to 18-year-old drivers are expensive to insure, costing up to $281 each month if comprehensive and collision insurance is included
- Drivers with DUI or reckless driving convictions may pay on average $970 more every year than a driver with a clean driving record
- Increasing comprehensive and collision deductibles could save as much as $225 each year
- Drivers can save up to $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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