Volvo XC70 Insurance Rates
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Michelle Robbins
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UPDATED: May 19, 2024
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U.S. average insurance rates for a Volvo XC70 are $1,616 a year for full coverage. Comprehensive costs an estimated $390, collision insurance costs $626, and liability coverage is estimated at $420. Liability-only insurance costs approximately $494 a year, and high-risk driver insurance 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 broken down by individual coverage:
Includes $500 deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all states and for different XC70 trim levels.
Price Range from Low to High
Using a 40-year-old driver as an example, Volvo XC70 insurance prices range from as low as $494 for just liability coverage to a much higher rate of $3,464 for a driver who requires high-risk insurance.
Geographic Price Range
Living in a larger city has a large influence on insurance rates. More rural locations have a lower frequency of accident claims than congested cities. The price range example below illustrates how rural and urban location affects insurance prices.
The ranges above show why anyone shopping for car insurance should get quotes for a targeted area and risk profile, 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.
Detailed Rate Analysis
The chart below shows average Volvo XC70 insurance rates for other coverage scenarios.
- The best full coverage rate is $937
- Choosing higher $1,000 deductibles can save approximately $232 a year
- The average rate for the average middle-age driver who has $500 deductibles is $1,616
- Buying more expensive low deductibles for comp and collision coverage will increase the cost to $2,060
- Drivers with multiple tickets or accidents could pay up to $3,464
- The price for full coverage for a teenage driver with full coverage can cost as much as $5,866 each year
Car insurance prices for a Volvo XC70 are also quite variable based on your driving record, the trim level of your XC70, and liability limits and deductibles.
An older driver with no driving violations and high deductibles may only pay around $1,500 annually on average for full coverage. Prices are highest for teenage drivers, where even good drivers will be charged at least $5,800 a year. View Rates by Age
The state you live in plays a big part in determining prices for Volvo XC70 insurance rates. A good driver about age 40 could pay as low as $1,070 a year in states like Iowa, Maine, and Idaho, or 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% |
Opting for high physical damage deductibles can save as much as $680 a year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $378 extra every 12 months. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you could be paying $1,900 to $2,600 extra each year, depending on your age. High-risk driver insurance ranges around 44% to 132% more than the average rate. View High Risk Driver Rates
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 Find the Cheapest Volvo XC70 Insurance
Getting lower rates on auto insurance takes not taking risks behind the wheel, having above-average credit, eliminating unnecessary coverage, and possibly higher deductibles. Set aside time to shop around at every other renewal by getting rate quotes from direct carriers like Progressive and GEICO, and also from local independent and exclusive agents.
The following is a recap of the concepts that were raised in the charts and tables above.
- Drivers that have major violations or accidents pay an average of $1,850 more annually for XC70 insurance
- Teens have the highest car insurance prices, with premiums as much as $489 a month if full coverage is included
- Drivers can save approximately $190 per year just by shopping early and online
- Increasing physical damage deductibles can save around $675 each year
- Drivers can save approximately $190 per year just by shopping 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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