Volvo XC70 Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 19, 2024

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The average insurance rates for a Volvo XC70 are $1,616 a year for full coverage. Comprehensive costs an estimated $390 a year, collision insurance costs $626, and liability insurance is estimated at $420. Liability-only coverage costs approximately $494 a year, and high-risk coverage costs around $3,464. 16-year-old drivers cost the most to insure at up to $5,866 a year.

Average premium for full coverage: $1,616

Policy rates broken down by type of insurance:

Comprehensive $390
Collision $626
Liability $420

These estimates include $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all states and XC70 trim levels.

Price Range Variability

For a 40-year-old driver, Volvo XC70 insurance rates range from the low end price of $494 for a discount liability-only rate to a high of $3,464 for a driver who has had serious violations or accidents.

Liability Only $494
Full Coverage $1,616
High Risk $3,464

Urban vs. Rural Price Range

Living in a larger city has a significant impact on insurance rates. More rural locations are shown to have lower incidents of accident claims than congested cities. The diagram below illustrates how your location can change insurance prices.

Rural Areas $1,212
Small Cities $1,697
Large Cities $2,182

The examples above show why it is important to get quotes for a targeted area, rather than relying on 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.

Rates by State, City, and Model

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 $1,384 a year
  • The estimated price for a good driver age 40 who has $500 deductibles is $1,616
  • Buying low $100 deductibles for comp and collision coverage bumps up the cost to $2,060
  • High-risk insureds with multiple tickets or accidents could pay up to $3,464
  • Policy cost that insures a teen driver can cost as much as $5,866 each year

View Chart as Image

Volvo XC70 insurance cost comparison chart
Column chart showing Volvo XC70 insurance rates range from $937 to $5,866 for full coverage

Insurance rates for a Volvo XC70 also range considerably based on the trim level of your XC70, how you drive, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you could be paying $1,900 to $2,600 additional every year, depending on your age. A high-risk auto insurance policy ranges anywhere from 44% to 132% more than the average rate. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,500 annually on average, or $125 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay at least $5,800 a year. View Rates by Age

Your home state 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.

Volvo XC70 Insurance Rates by State
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%

View Chart as Image

Volvo XC70 insurance rates by U.S. city

Opting for high physical damage deductibles can save as much as $680 each year, while buying higher liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $378 more each year. View Rates by Deductible or Liability Limit

Insurance Rates by Trim Level and Model Year

Volvo XC70 Insurance Rates by Model and Trim Level
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 2024 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.

Volvo XC70 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2016 Volvo XC70 $278 $422 $520 $1,400

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 Cheap Volvo XC70 Insurance

Finding cheaper rates on Volvo XC70 insurance takes being a low-risk driver, having a good credit score, avoid buying unnecessary coverage, and possibly raising deductibles. Comparison shop every other policy renewal by requesting rates from direct carriers, and also from your local independent and exclusive agents.

The items below are a brief summary of the ideas that were illustrated above.

  • Teen drivers are expensive to insure, costing up to $489 each month if comprehensive and collision insurance is included
  • High-risk drivers that tend to have accidents or serious violations may pay on average $1,850 more annually to insure their XC70
  • Increasing comprehensive and collision deductibles can save approximately $675 each year
  • Drivers can save approximately $190 per year just by quoting early and online

Rates by Driver Age

Volvo XC70 Insurance 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

Volvo XC70 Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,060
$250 $1,856
$500 $1,616
$1,000 $1,384

Full coverage, driver age 40

Rates by Liability Limit

Volvo XC70 Insurance Rates with Different Liability Limits
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

Volvo XC70 Insurance 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.

SR-22 Surcharge $219

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
Rate after discounts $937

Discounts are estimated and may not be available from every company or in every state.

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