Volvo XC70 Insurance Rates
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Michelle Robbins
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UPDATED: May 19, 2024
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The average insurance prices for a Volvo XC70 are $1,616 every 12 months for full coverage insurance. Comprehensive insurance costs around $390 each year, collision costs $626, and liability costs $420. Buying just liability costs as little as $494 a year, with insurance for high-risk drivers 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:
Estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all 50 states and XC70 models.
Price Range Variability
Using a 40-year-old driver as an example, Volvo XC70 insurance rates go from the cheapest price of $494 for a discount liability-only rate to a high rate of $3,464 for high-risk insurance.
Urban vs. Rural Price Range
Your location can make a big difference on car insurance rates. Areas with sparse population are shown to have more infrequent physical damage claims than densely populated cities.
The graphic below illustrates how rural and urban location affects auto insurance rates.
The examples above illustrate why all drivers should compare rates for a specific zip code and their own driving history, instead of making a decision based 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.
Rates by State, City, and Model
The chart below illustrates estimated Volvo XC70 insurance rates for additional coverage choices and driver risks.
- The best discount rate is $937
- Drivers who choose higher $1,000 deductibles will pay about $232 each year
- The average price for a good driver age 40 using $500 deductibles is $1,616
- Using low deductibles for comprehensive and collision insurance costs an extra $444 annually
- Drivers who are prone to accidents and violations could pay at least $3,464 or more
- Policy cost to insure a 16-year-old driver can be $5,866 a year
Insurance rates for a Volvo XC70 also range considerably based on liability limits and deductibles, your risk profile, and the trim level and model year.
Using high physical damage deductibles could save up to $680 annually, 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 $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 low as $1,500 per year on average, or $125 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect 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 were responsible for an accident, you are probably paying at least $1,900 to $2,600 extra every year, depending on your age. Insurance for high-risk drivers can cost from 44% to 132% more than a normal policy. View High Risk Driver Rates
Your home state makes a big difference in Volvo XC70 insurance prices. A 40-year-old driver 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 do a rate comparison from multiple companies. Every company uses a different method to calculate rates, so the rates will be varied.
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 Low Cost Volvo XC70 Insurance
Finding cheaper rates on insurance for a Volvo XC70 not only requires avoiding accidents and violations, but also having good credit, being claim-free, and insuring your home and auto with the same company. Set aside time to shop around every couple of years by quoting rates from direct insurance companies, and also from your local independent and exclusive agents.
The list below is a review of the material that was raised in the charts and tables above.
- Insureds who may need higher liability limits will pay an extra $460 annually to go from a 30/60 limit to a 250/500 level
- Teenagers pay higher rates, possibly costing $489 each month if they have full coverage
- Drivers considered higher risk who have several accidents or serious violations may pay on average $1,850 more every year for car insurance
- Increasing comprehensive and collision deductibles could save as much as $675 each year
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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