Volvo XC70 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: May 19, 2024
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Average insurance prices for a Volvo XC70 are $1,616 every 12 months for full coverage. Comprehensive insurance costs approximately $390 each year, collision costs $626, and liability is estimated at $420. A liability-only policy costs approximately $494 a year, with high-risk insurance costing $3,464 or more. Teens receive the highest rates at $5,866 a year or more.
Average premium for full coverage: $1,616
Rate estimates by individual coverage type:
Prices are based on $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all states and XC70 models.
Price Range by Coverage and Risk
For the normal driver, prices range go from the cheapest price of $494 for just liability insurance to a high rate of $3,464 for a driver who has had serious violations or accidents.
Price Range by Location
Living in a larger city can have significant affects on car insurance rates. Rural locations tend to have more infrequent accident claims than cities with more traffic congestion.
The graphic below illustrates how geographic area affects auto insurance prices.
These examples show why all drivers should get quotes using their specific location and their own driving history, instead of using averaged prices.
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.
More Rate Details
The chart below shows estimated Volvo XC70 insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $937
- Choosing higher $1,000 deductibles can save $232 a year
- The average price for a 40-year-old driver who chooses $500 deductibles is $1,616
- Selecting low deductibles for comp and collision coverage costs an extra $444 every year
- Unlucky drivers with serious driving violations could pay around $3,464 or more
- The cost to insure a teen driver can cost $5,866 each year
Insurance rates for a Volvo XC70 can also vary considerably based on policy deductibles and limits, your driver profile, and the model of your XC70.
Choosing higher comprehensive and collision insurance deductibles can save as much as $680 every year, whereas increasing liability limits will push rates upward. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $378 more per year. View Rates by Deductible or Liability Limit
More mature drivers with a clean driving record and higher deductibles may pay as little as $1,500 annually on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers can expect to pay in the ballpark of $5,800 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you could be paying anywhere from $1,900 to $2,600 extra per year, depending on your age. Insurance for high-risk drivers ranges as much as 44% to 132% more than the average policy. View High Risk Driver Rates
Where you live plays a big part in determining prices for Volvo XC70 insurance prices. A good driver about age 40 could pay as low as $1,070 a year in states like Iowa, Maine, and Idaho, or have to pay at least $2,300 on average in New York, Louisiana, and Michigan.
| 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% |
With so much variability in rates, the only way to know who has the cheapest car insurance rates is to do a rate comparison and see which company has the best rate. Each auto insurer calculates rates differently, so the rates can be significantly different.
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 Shop for Affordable Volvo XC70 Insurance
Saving money on car insurance takes being a low-risk driver, having good credit, eliminating unneeded coverage, and maximizing policy discounts. Invest the time to compare rates every other policy renewal by getting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
The items below are a brief review of the ideas that were presented in the illustrations above.
- Teen drivers are expensive to insure, costing as high as $489 per month if they have full coverage
- Higher risk drivers with DUI or reckless driving convictions may pay on average $1,850 more per year to insure their XC70
- Increasing deductibles could save as much as $675 each year
- Drivers can save around $190 per year simply by quoting online in advance
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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