Volvo XC70 Insurance Rates
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Michelle Robbins
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UPDATED: May 19, 2024
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The average auto insurance rates for a Volvo XC70 are $1,616 annually for full coverage insurance. Comprehensive insurance costs around $390, collision costs $626, and liability insurance is estimated at $420. Liability-only coverage costs approximately $494 a year, with high-risk coverage costing $3,464 or more. Teenage drivers cost the most to insure at $5,866 a year or more.
Average premium for full coverage: $1,616
Policy rates for type of insurance:
Prices are based on $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 states and for all XC70 models.
Price Range Variability
Using a 40-year-old driver as an example, Volvo XC70 insurance rates go from as cheap as $494 for liability-only coverage to the much higher price of $3,464 for a high-risk driver policy.
Urban vs. Rural Price Range
Living in a larger city has a significant impact on car insurance rates. Areas with sparse population are shown to have fewer physical damage claims than densely populated cities.
The example below illustrates how rural and urban location affects auto insurance rates.
The examples above illustrate why everyone should get quotes for a specific zip code and their own personal driving habits, 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.
Additional Charts and Tables
The chart below illustrates estimated Volvo XC70 insurance rates for additional coverage choices and driver risks.
- The best discount rate is $937
- Choosing higher $1,000 deductibles can save about $232 each year
- The estimated rate for a good driver age 40 using $500 deductibles is $1,616
- Using pricier low deductibles for comp and collision coverage costs an additional $444 a year
- High-risk insureds who are prone to accidents and violations could pay at least $3,464 or more
- Policy cost with full coverage for a teen driver for full coverage can be $5,866 each year
Insurance rates for a Volvo XC70 also range considerably based on the model year and trim level, your risk profile, and deductibles and policy limits.
A more mature driver with no violations or accidents and high physical damage deductibles could pay as little as $1,500 annually on average, or $125 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared to pay as much as $5,800 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you are probably paying at least $1,900 to $2,600 additional every year, depending on your age. Volvo XC70 insurance for high-risk drivers ranges anywhere from 44% to 132% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles can save as much as $680 each year, whereas buying more liability protection will increase rates. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $378 more each year. View Rates by Deductible or Liability Limit
Your home state plays a big part in determining prices for Volvo XC70 insurance rates. A good driver about age 40 could pay as low as $1,060 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $2,180 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,458 | -$158 | -9.8% |
| Alaska | $1,240 | -$376 | -23.3% |
| Arizona | $1,342 | -$274 | -17.0% |
| Arkansas | $1,616 | -$0 | 0.0% |
| California | $1,840 | $224 | 13.9% |
| Colorado | $1,540 | -$76 | -4.7% |
| Connecticut | $1,658 | $42 | 2.6% |
| Delaware | $1,830 | $214 | 13.2% |
| Florida | $2,022 | $406 | 25.1% |
| Georgia | $1,492 | -$124 | -7.7% |
| Hawaii | $1,158 | -$458 | -28.3% |
| Idaho | $1,096 | -$520 | -32.2% |
| Illinois | $1,202 | -$414 | -25.6% |
| Indiana | $1,220 | -$396 | -24.5% |
| Iowa | $1,090 | -$526 | -32.5% |
| Kansas | $1,534 | -$82 | -5.1% |
| Kentucky | $2,202 | $586 | 36.3% |
| Louisiana | $2,392 | $776 | 48.0% |
| Maine | $998 | -$618 | -38.2% |
| Maryland | $1,334 | -$282 | -17.5% |
| Massachusetts | $1,290 | -$326 | -20.2% |
| Michigan | $2,804 | $1,188 | 73.5% |
| Minnesota | $1,352 | -$264 | -16.3% |
| Mississippi | $1,936 | $320 | 19.8% |
| Missouri | $1,432 | -$184 | -11.4% |
| Montana | $1,736 | $120 | 7.4% |
| Nebraska | $1,274 | -$342 | -21.2% |
| Nevada | $1,938 | $322 | 19.9% |
| New Hampshire | $1,166 | -$450 | -27.8% |
| New Jersey | $1,806 | $190 | 11.8% |
| New Mexico | $1,430 | -$186 | -11.5% |
| New York | $1,700 | $84 | 5.2% |
| North Carolina | $930 | -$686 | -42.5% |
| North Dakota | $1,324 | -$292 | -18.1% |
| Ohio | $1,116 | -$500 | -30.9% |
| Oklahoma | $1,658 | $42 | 2.6% |
| Oregon | $1,480 | -$136 | -8.4% |
| Pennsylvania | $1,540 | -$76 | -4.7% |
| Rhode Island | $2,156 | $540 | 33.4% |
| South Carolina | $1,466 | -$150 | -9.3% |
| South Dakota | $1,366 | -$250 | -15.5% |
| Tennessee | $1,414 | -$202 | -12.5% |
| Texas | $1,944 | $328 | 20.3% |
| Utah | $1,194 | -$422 | -26.1% |
| Vermont | $1,106 | -$510 | -31.6% |
| Virginia | $966 | -$650 | -40.2% |
| Washington | $1,246 | -$370 | -22.9% |
| West Virginia | $1,482 | -$134 | -8.3% |
| Wisconsin | $1,118 | -$498 | -30.8% |
| Wyoming | $1,438 | -$178 | -11.0% |
Because rates have so much variability, the only way to figure out your exact price is to regularly compare rates from as many companies as possible. Each auto insurer uses a different method to calculate rates, and rates will be varied between companies.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Volvo XC70 3.2 AWD Station Wagon | $1,570 | $131 |
| Volvo XC70 T6 AWD 4-Dr | $1,646 | $137 |
Rates assume 2026 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 |
|---|---|---|---|---|
| 2016 Volvo XC70 | $250 | $364 | $524 | $1,318 |
Rates are averaged for all Volvo XC70 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Buy Affordable Volvo XC70 Insurance
Finding cheaper rates on Volvo XC70 insurance takes being a low-risk driver, having good credit, being claim-free, and taking advantage of discounts. Set aside time to shop around every time your policy renews by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The items below are a brief review of the information raised in the charts and tables above.
- It is possible to save up to $190 per year simply by quoting online well ahead of the renewal date
- Teen drivers are charged the highest rates, possibly costing $489 each month if they have full coverage
- Increasing comprehensive and collision deductibles could save up to $675 each year
- High-risk drivers with DUI or reckless driving convictions pay on average $1,850 more every year to insure their XC70
- Drivers who may need more liability coverage will pay an extra $460 annually to raise limits from a 30/60 limit to higher 250/500 limits
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,866 |
| 20 | $3,684 |
| 30 | $1,690 |
| 40 | $1,616 |
| 50 | $1,472 |
| 60 | $1,444 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,060 |
| $250 | $1,856 |
| $500 | $1,616 |
| $1,000 | $1,384 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,616 |
| 50/100 | $1,730 |
| 100/300 | $1,835 |
| 250/500 | $2,108 |
| 100 CSL | $1,772 |
| 300 CSL | $2,003 |
| 500 CSL | $2,171 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,378 |
| 20 | $5,846 |
| 30 | $3,548 |
| 40 | $3,464 |
| 50 | $3,298 |
| 60 | $3,270 |
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 | $86 |
| Multi-vehicle | $81 |
| Homeowner | $23 |
| 5-yr Accident Free | $118 |
| 5-yr Claim Free | $103 |
| Paid in Full/EFT | $74 |
| Advance Quote | $79 |
| Online Quote | $115 |
| Total Discounts | $679 |
Discounts are estimated and may not be available from every company or in every state.
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