Volvo XC70 Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
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
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
The average insurance rates for a Volvo XC70 are $1,616 a year including full coverage. Comprehensive costs an estimated $390, collision costs $626, and liability costs around $420. Liability-only coverage costs as low as $494 a year, with high-risk coverage costing around $3,464. Teenage drivers cost the most to insure at $5,866 a year or more.
Average premium for full coverage: $1,616
Policy rates broken down by type of insurance:
Estimates include $500 policy deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 U.S. states and for different XC70 trim levels.
Price Range Variability
For a 40-year-old driver, Volvo XC70 insurance rates go from as low as $494 for your basic liability-only policy to a much higher rate of $3,464 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Where you live can make a big difference on the price of auto insurance. More rural locations are shown to have a lower frequency of comprehensive and collision claims than densely populated cities.
The price range example below illustrates how your location can change insurance prices.
The examples above highlight why anyone shopping for car insurance should compare prices for a targeted area and risk profile, 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.
More Rate Information
The chart below breaks down estimated Volvo XC70 insurance rates for other coverage scenarios.
- The best discount rate is $937
- Using higher $1,000 deductibles will save approximately $232 every year
- The average rate for a good driver age 40 who has $500 deductibles is $1,616
- Using more expensive low deductibles for physical damage coverage will increase the cost to $2,060
- High-risk insureds who are prone to accidents and violations could pay up to $3,464 or more
- Policy cost for full coverage for a 16-year-old driver with full coverage can cost as much as $5,866 or more
Insurance rates for a Volvo XC70 also range considerably based on your risk profile, the model of your XC70, and liability limits and deductibles.
An older driver with no violations or accidents and high deductibles may pay as low as $1,500 a year, or $125 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay at least $5,800 a year. View Rates by Age
Your home state has a huge impact on Volvo XC70 insurance prices. A driver around age 40 might see rates as low as $1,240 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,300 on average in Louisiana, New York, 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% |
Using high physical damage deductibles could cut rates by as much as $680 annually, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $378 more each year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you are likely paying $1,900 to $2,600 additional every year, depending on your age. High-risk driver insurance can be from 44% to 132% more than a normal policy. View High Risk Driver Rates
Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to compare rates from multiple companies. Each insurance company uses a different method to calculate rates, and rates will be varied from one company to the next.
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 Low Cost Volvo XC70 Insurance
Finding cheaper rates on insurance for a Volvo XC70 requires avoiding accidents and claims, having a good credit history, paying for small claims out-of-pocket, and maximizing policy discounts. Invest the time to shop around once a year by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
The points below are a review of the data that was illustrated above.
- You may be able to save approximately $190 per year simply by shopping early and online
- Insureds who want increased liability limits will pay an extra $460 per year to increase from a 30/60 limit to 250/500 limits
- Drivers under the age of 20 are expensive to insure, with premiums being up to $489 each month including comprehensive and collision insurance
- Drivers considered higher risk who have several accidents or serious violations may pay on average $1,850 more annually to insure a Volvo XC70
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.
Compare Rates and Save
Find companies with the cheapest rates in your area
