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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U.S. average auto insurance rates for a Volvo XC70 are $1,616 annually for full coverage. Comprehensive costs around $390 a year, collision insurance costs $626, and liability coverage costs $420. Liability-only coverage costs as little as $494 a year, and high-risk coverage costs around $3,464. 16-year-old drivers pay the highest rates at up to $5,866 a year.
Average premium for full coverage: $1,616
Price estimates for individual coverage:
Rate estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all states and XC70 trim levels.
Price Range from Low to High
For an average driver, Volvo XC70 insurance prices range from as cheap as $494 for minimum levels of liability insurance to a high of $3,464 for a driver who requires high-risk insurance.
Geographic Price Range
Your location has a large influence on auto insurance rates. Areas with sparse population have fewer accident claims than congested cities. The diagram below illustrates the effect of geographic area on auto insurance rates.
The ranges above show why it is important to compare rates for a specific zip code and their own personal driving habits, rather than using 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 Details
The chart below shows average Volvo XC70 insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $937
- Drivers who choose higher $1,000 deductibles will pay about $1,384 a year
- The estimated rate for the average middle-age driver using $500 deductibles is $1,616
- Buying low $100 deductibles for comprehensive and collision insurance will cost $2,060
- High-risk insureds with multiple tickets or accidents could pay at least $3,464
- The price with full coverage for a teenage driver can be $5,866 a year
Auto insurance prices for a Volvo XC70 are also quite variable based on the trim level and model year, your driver profile, and deductibles and policy limits.
Older drivers with a good driving record and high physical damage deductibles may only pay around $1,500 per year on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will have to pay as much as $5,800 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you could be paying at least $1,900 to $2,600 in extra premium each year, depending on your age. A high-risk auto insurance policy can cost around 44% to 132% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could save up to $680 a year, while buying higher liability limits will increase prices. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $378 extra every year. View Rates by Deductible or Liability Limit
The state you live in makes a big difference in Volvo XC70 insurance rates. A 40-year-old driver could pay as low as $1,070 a year in states like Idaho, Maine, and Iowa, or at least $2,300 on average in Michigan, Louisiana, and New York.
| 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% |
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 the Best Volvo XC70 Insurance
Getting lower rates on auto insurance not only requires avoiding accidents and claims, but also having above-average credit, eliminating unnecessary coverage, and possibly raising deductibles. Take the time to compare rates at every other renewal by requesting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.
The points below are a brief recap of the concepts that were covered in the above illustrations.
- Drivers who tend to receive serious violations pay an average of $1,850 more every year to insure a Volvo XC70
- Drivers under the age of 20 are expensive to insure, with premiums as much as $489 a month if full coverage is included
- Drivers can save up to $190 per year just by quoting early and online
- Increasing physical damage deductibles could save up to $675 each year
- Drivers can save up to $190 per year just by quoting early and online
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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