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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The average insurance prices for a Volvo V70 are $850 every 12 months including full coverage. Comprehensive costs on average $150, collision costs $188, and liability insurance costs $376. Buying just liability costs as little as $426 a year, with insurance for high-risk drivers costing around $1,816. 16-year-old drivers cost the most to insure at $3,376 a year or more.
Average premium for full coverage: $850
Policy rates by type of insurance:
These estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for all V70 models.
Price Range Variability
For a 40-year-old driver, Volvo V70 insurance rates go from the cheapest price of $426 for just the minimum liability insurance to the much higher price of $1,816 for a driver who has had serious violations or accidents.
Urban vs. Rural Price Range
Your location has a significant impact on car insurance rates. Rural areas are shown to have more infrequent comprehensive and collision claims than congested cities.
The example below illustrates how your location can change car insurance rates.
The examples above highlight why everyone should compare rates 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 Rate Analysis
The chart below breaks down estimated Volvo V70 insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $517
- Drivers who choose higher $1,000 deductibles will pay around $78 every year
- The average price for a good driver age 40 with $500 deductibles is $850
- Buying pricier low deductibles for comprehensive and collision insurance increases the price to $994
- High risk drivers with multiple tickets or accidents could pay upwards of $1,816 or more
- Policy cost to insure a teen driver for full coverage may cost $3,376 a year
Insurance rates for a Volvo V70 also range considerably based on liability limits and deductibles, your driving characteristics, and the trim level of your V70.
Opting for high physical damage deductibles could save up to $230 each year, whereas buying more liability protection will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $339 more per year. View Rates by Deductible or Liability Limit
A more mature driver with a clean driving record and higher deductibles could pay as little as $800 per year on average, or $67 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers can expect to pay upwards of $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 are likely paying at a minimum $1,000 to $1,400 extra every year, depending on your age. Volvo V70 insurance for high-risk drivers can cost anywhere from 41% to 131% more than the average rate. View High Risk Driver Rates
Your home state makes a big difference in Volvo V70 insurance rates. A 40-year-old driver could pay as low as $650 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,210 on average in Michigan, New York, and Louisiana.
| 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 best way to figure out exactly what you will pay is to regularly compare rates from as many companies as possible. Every company utilizes a different rate formula, so the 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 Cheap Volvo V70 Insurance
Finding cheaper rates on Volvo V70 insurance not only requires being safe and accident-free, but also having good credit, paying for small claims out-of-pocket, and bundling your home and auto policies. Invest the time to shop around every other policy renewal by requesting rates from direct car insurance companies, and also from your local independent and exclusive agents.
Below you'll find a brief summary of the ideas that were illustrated above.
- Youthful drivers pay the highest rates, with premiums being up to $281 each month if they have full coverage
- High-risk drivers that tend to have accidents or serious violations may pay on average $970 more each year than a low-risk driver
- Increasing comprehensive and collision deductibles could save as much as $225 each year
- You may be able to save as much as $90 per year simply by quoting online well ahead of the renewal date
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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