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: Jun 2, 2023

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The average insurance prices for a Volvo V70 are $850 every 12 months for full coverage insurance. Comprehensive insurance costs around $150 each year, collision costs $188, and liability insurance is $376. A liability-only policy costs around $426 a year, with high-risk insurance costing $1,816 or more. 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:

Comprehensive $150
Collision $188
Liability $376

Price estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 states and V70 models.

Price Range Variability

For the normal driver, Volvo V70 insurance rates go from the cheapest price of $426 for just liability coverage to a high rate of $1,816 for a driver who has had serious violations or accidents.

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

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on car insurance rates. Areas with sparse population are shown to have more infrequent physical damage claims than larger metro areas.

The graphic below illustrates how geographic area affects auto insurance rates.

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

The examples above illustrate why all drivers should compare rates quotes for a specific zip code and their own driving history, rather than relying on 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.

Detailed Rate Analysis

The chart below illustrates estimated Volvo V70 insurance rates for additional coverage choices and driver risks.

  • The lowest rate with discounts is $517
  • Raising to $1,000 deductibles will save about $78 each year
  • The average price for a good driver age 40 using $500 deductibles is $850
  • Choosing low deductibles costs an extra $144 a year
  • Higher-risk drivers with multiple violations and an at-fault accident could pay at least $1,816 or more
  • Policy cost to insure a teen driver can be $3,376

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

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

Choosing high deductibles can reduce rates by up to $230 each year, whereas increasing liability limits will increase rates. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $339 extra every 12 months. View Rates by Deductible or Liability Limit

More mature drivers with no driving violations and higher deductibles could pay as little as $800 every 12 months on average, or $67 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will be charged 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 are probably paying at least $1,000 to $1,400 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 41% to 131% more than average. View High Risk Driver Rates

Your home state also has a big influence on Volvo V70 insurance rates. A middle-age driver might find rates as low as $560 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,150 on average in Michigan, New York, 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

Because rates have so much variability, the only way to figure out your exact price is to do a rate comparison from as many companies as possible. Every auto insurance company uses a different rate calculation, so rate quotes will be varied.

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 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.

Volvo V70 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2004 Volvo V70 $150 $188 $376 $850

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 Cheaper Volvo V70 Insurance

Finding cheaper rates on Volvo V70 insurance consists of having a decent driving record, maintaining a good credit score, being claim-free, and qualifying for all possible discounts. Invest the time to compare rates every other policy renewal by obtaining price quotes from direct insurance companies, and also from your local independent and exclusive agents.

The following items are a condensed summary of the ideas that were presented in the illustrations above.

  • 16 to 18-year-old drivers are the costliest to insure, possibly costing $281 each month if the policy includes full coverage
  • High-risk drivers with multiple at-fault accidents 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
  • It is possible to save up to $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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