Volvo V70 Insurance Rates
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Michelle Robbins
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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...
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UPDATED: Jun 2, 2023
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Estimated insurance prices for a Volvo V70 are $850 every 12 months with full coverage. Comprehensive insurance costs approximately $150, collision insurance costs $188, and liability costs $376. A policy with only liability insurance costs as little as $426 a year, and a high-risk policy costs $1,816 or more. Teenage drivers pay the most at up to $3,376 a year.
Average premium for full coverage: $850
Premium estimates by type of coverage:
Rates are based on $500 physical damage deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all U.S. states and for different V70 trim levels.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a Volvo V70 range from the cheapest price of $426 for just the minimum liability insurance to a much higher rate of $1,816 for coverage for higher-risk drivers.
Insurance Price Range by Location
Your location can make a big difference on the price of insurance. Rural locations are statistically proven to have more infrequent collision claims than densely populated cities. The price range example below illustrates how location helps determine auto insurance prices.
These rate differences demonstrate why anyone shopping for car insurance should compare rates using their specific location and their own driving history, instead of making a decision based on average rates.
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 Rate Analysis
The chart below details average Volvo V70 insurance rates for additional coverage and risk scenarios.
- The best discount rate is $517
- Drivers who choose higher $1,000 deductibles will pay $78 annually
- The average price for a 40-year-old good driver who chooses $500 deductibles is $850
- Using more expensive low deductibles for comprehensive and collision insurance costs an extra $144 annually
- Drivers who are prone to accidents and violations could pay around $1,816
- An auto insurance policy to insure a 16-year-old driver with full coverage can cost $3,376 a year
Car insurance prices for a Volvo V70 also have a wide range based on physical damage deductibles and liability limits, your driving record, and the model of your V70.
Using high physical damage deductibles could save up to $230 annually, while increasing your policy's liability limits will push prices upward. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $339 extra every 12 months. View Rates by Deductible or Liability Limit
An older driver with no driving violations and higher deductibles may pay as low as $800 per year on average, or $67 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will be charged in the ballpark of $3,300 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you may be forking out anywhere from $1,000 to $1,400 extra annually, depending on your age. High-risk driver insurance can cost from 41% to 131% more than a normal policy. View High Risk Driver Rates
Where you choose to live makes a big difference in Volvo V70 insurance prices. A 40-year-old driver could pay as low as $610 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay 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% |
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 Best Cheap Volvo V70 Insurance
Finding better rates on insurance for a Volvo V70 not only requires being a safe and courteous driver, but also maintaining a good credit score, being claim-free, and attention to physical damage deductibles. Invest time comparing rates at least once a year by getting rate quotes from direct companies, and also from insurance agencies where you live.
Below is a quick review of the primary concepts that were covered in the charts and tables above.
- You may be able to save around $90 per year just by shopping early and online
- Drivers considered higher risk with a DUI or reckless driving violation could be forced to pay on average $970 more per year for auto insurance
- Increasing policy deductibles could save as much as $225 each year
- Teenage drivers pay the highest auto insurance prices, possibly costing $281 per month if the policy includes full coverage
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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