Volvo V70 Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 12, 2022

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The average insurance rates for a Volvo V70 are $850 a year with full coverage. Comprehensive insurance costs approximately $150 each year, collision costs $188, and liability insurance is estimated at $376. Buying just liability costs approximately $426 a year, with insurance for high-risk drivers costing $1,816 or more. Teenage 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:

Comprehensive $150
Collision $188
Liability $376

Prices are based on $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all U.S. states and V70 models.

Price Range Variability

Using a 40-year-old driver as an example, Volvo V70 insurance rates go from as low as $426 for just liability coverage to a high rate of $1,816 for a driver who requires high-risk insurance.

Liability Only $426
Full Coverage $850
High Risk $1,816

Urban vs. Rural Price Range

Living in a larger city has a significant impact on the price of insurance. Rural locations are shown to have a lower frequency of collision claims than densely populated cities.

The graphic below illustrates how rural and urban location affects auto insurance prices.

Rural Areas $638
Small Cities $893
Large Cities $1,148

The examples above demonstrate why all drivers should get quotes using their specific location and risk profile, rather than relying 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.

Detailed Rate Analysis

The chart below details estimated Volvo V70 insurance rates for additional coverage and risk scenarios.

  • The best discount rate is $517
  • Choosing higher $1,000 deductibles can save $78 annually
  • The average rate for a good driver age 40 who chooses $500 deductibles is $850
  • Using low deductibles for comp and collision coverage will cost an extra $144 a year
  • High-risk insureds who are prone to accidents and violations could pay around $1,816 or more
  • Policy cost for full coverage for a teen driver can cost $3,376 each year

View Chart as Image

Volvo V70 insurance cost comparison chart
Column chart showing full coverage Volvo V70 insurance prices range from $517 to $3,376

Insurance rates for a Volvo V70 also range considerably based on your risk profile, the trim level and model year, and physical damage deductibles and liability limits.

More mature drivers with a clean driving record and high deductibles could pay as little as $800 annually on average, or $67 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay in the ballpark of $3,300 a year. View Rates by Age

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 $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.

Volvo V70 Insurance Rates by State
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%

View Chart as Image

Volvo V70 insurance rates by U.S. city

Using high physical damage deductibles can save as much as $230 each year, whereas increasing liability limits will push rates upward. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $339 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out anywhere from $1,000 to $1,400 extra every year, depending on your age. Insurance for high-risk drivers ranges anywhere from 41% to 131% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to do a rate comparison from as many companies as possible. Each auto insurer uses a different method to calculate rates, so the rates will be varied from one company to the next.

Insurance Rates by Trim Level and Model Year

Volvo V70 Insurance Rates by Model and Trim Level
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 2001 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.

Volvo V70 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2004 Volvo V70 $154 $198 $380 $868

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 Find Affordable Volvo V70 Insurance

Finding cheaper rates on Volvo V70 insurance takes being a safe and courteous driver, maintaining good credit, not filing small claims, and maximizing policy discounts. Set aside time to shop around at every other renewal by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

Below is a brief review of the concepts that were raised in the charts and tables above.

  • High-risk drivers with DUI or reckless driving convictions pay on average $970 more per year for auto insurance
  • Teenage drivers are expensive to insure, as much as $281 each month for full coverage
  • You may be able to save around $90 per year simply by quoting online in advance
  • Increasing comprehensive and collision deductibles can save around $225 each year
  • You may be able to save around $90 per year simply by quoting online in advance

Rates by Driver Age

Volvo V70 Insurance 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

Volvo V70 Insurance Rates with Different Deductibles
Deductible Premium
$100 $994
$250 $930
$500 $850
$1,000 $772

Full coverage, driver age 40

Rates by Liability Limit

Volvo V70 Insurance Rates with Different Liability Limits
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

Volvo V70 Insurance 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.

SR-22 Surcharge $112

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
Rate after discounts $517

Discounts are estimated and may not be available from every company or in every state.

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