+120 more*These quotes are from Compare.com users within the last 10 days. Updated on May 20, 2026
*These quotes are from Compare.com users within the last 10 days. Updated on May 20, 2026
It costs less to insure a Volvo XC70 than the average SUV.
Liability only auto insurance rates for a XC70 run about $70 monthly, while full coverage typically tends to be around $127 per month.
At as low as $27 a month for liability only coverage, Commonwealth Casualty is the lowest insurance company for a XC70.
With a base price of $37,100 for 2016 models, the Volvo XC70 is a mid-level SUV with broad appeal. You'll have your choice of five different trim levels, so there's a style for every driver.
We combed through thousands of car insurance quotes on Compare.com, and we've found that Volvo XC70 auto insurance premiums average out to about $104 per month. Compared to other vehicles in the market, how do XC70 car insurance prices stack up?
| Current Base Price | $37,100 |
| Body Style(s) | SUV |
| Trim Levels | T5 PLATINUM, T5 PREMIER, T5 CLASSIC PREMIER, T5, T5 CLASSIC PLATINUM |
| Average Insurance Premium | $104/mo. |
| Cheapest Insurance Company | Commonwealth Casualty |
Vehicle | Liability Only | Full Coverage |
|---|---|---|
| Volvo XC70 | $70 | $127 |
| All Volvo Models | $74 | $148 |
| All SUVs | $80 | $151 |
| Average Insurance Premium | $81 | $169 |
If you look at the table above, you'll find that when you compare the Volvo XC70 to other vehicles, insurance rates are more affordable than average. On average, XC70 drivers can expect to pay around $70 monthly for liability insurance, and about $127 per month for full coverage, which has comprehensive and collision coverages in addition to liability (learn more about these different types of insurance with our guide "State Minimum vs. Full Coverage").
Comparing it to other Volvo models, the XC70 is more affordable, with premiums around 14% lower than the rest of the company's vehicle offerings. Compared to SUV offerings from other brands, insurance for a XC70 is also more affordable, with full coverage insurance prices coming in about 16% less and 13% less for liability only insurance.
Overall, they're just more affordable to insure than the average vehicle, no matter what model, body style, or make they are.
Insurance Company | Average Monthly Premium |
|---|---|
| Commonwealth Casualty | $27 |
| Clearcover | $32 |
| NationalGeneral | $33 |
| Safeco | $33 |
| MetLife | $38 |
If you're searching for a new car insurance policy for your Volvo XC70, you may want to know which carrier offers the lowest prices. Although there will never be one company that offers the cheapest rates for everyone, Commonwealth Casualty provides the most affordable average rates for liability only coverage, with rates sometimes as low as $27 a month. With car insurance as cheap as $32 monthly, Clearcover is the next lowest car insurance carrier.
NationalGeneral, Safeco, and MetLife round out the rest of the top 5 list. However, just because these five carriers offer the lowest average rates doesn't necessarily mean they'll be the cheapest for you.
Auto insurance companies take a range of different things into consideration when calculating monthly rates. The only way to guarantee you'll find the cheapest rates is to compare quotes from an array of auto insurance carriers.
As we mentioned above, there are many factors that insurance companies reference to decide how much they charge you -- and each company weighs certain pieces more than others, so there's not a singular carrier that's the most affordable for everyone.
Here are just a few of the variables car insurers will look at, with individual breakdowns of how each one affects your rates:
Vehicle Age | Average Monthly Premium |
|---|---|
| Less than 1 Year | $34 |
| 2-3 Years | $38 |
| 4-5 Years | $43 |
| 6-7 Years | $72 |
| 8-10 Years | $58 |
| 11-14 Years | $65 |
| 15 Years or Older | $94 |
The Volvo XC70 has been around for a while, so vehicle age will likely make a big difference in what you end up paying for auto insurance. Typically, older cars will be cheaper to insure because they're worth less than newer models, and as time goes on and XC70s continue to depreciate, insurance costs will gradually go lower.
Since a new model has not been added to the market for at least 5 years, we cannot analyze this trend for the XC70. However, as you can see in the table above, the cheapest Volvo XC70s to insure are those that are 1 year old or less, while the most expensive models are XC70s that are 15 years old or more, on average.
How old you are plays a significant role in how much insurance carriers will charge for car insurance. In the table above, you'll see that younger XC70 drivers have higher premiums compared to older XC70 drivers. In this case, drivers between 18 and 24 pay $53 more than those 25 or older.
Car insurance prices continue to get lower as you get older, with drivers aged 65 years and older making up the cheapest age group for the XC70.
Gender | Average Monthly Premium |
|---|---|
| Male | $77 |
| Female | $63 |
Women normally to pay less for auto insurance than men. This is because women are less likely to get speeding tickets and get into collisions, which lowers the chances of an insurance claim. When it comes to XC70 drivers specifically, men pay around $14 more than women a month for car insurance.
State | Average Monthly Premium |
|---|---|
| California | $49 |
| Florida | $98 |
| Georgia | $79 |
| Illinois | $29 |
| New York | $191 |
| North Carolina | $38 |
| Ohio | $36 |
| Pennsylvania | $60 |
| Texas | $58 |
| Virginia | $61 |
It may seem like common sense that factors such as what vehicle you drive and how old you are play a role in your insurance prices, but you may not realize that where you live can be just as important. Insurance is regulated on the state level rather than nationally, so rates can differ quite a bit depending on which state you're located in.
For example, the average Volvo XC70 driver in New York pays about $191 monthly for liability coverage. Meanwhile, the same owner from California will pay less than half of that price, on average. The table referenced above shows average prices for the top 10 most populous states, just to give you a good idea of how much premiums can change across states.
Price shouldn’t necessarily be the end-all and be-all when it comes to car insurance shopping. At the end of the day, it’s worth striking a balance between affordability, coverage needs, and overall customer satisfaction.
With that in mind, we’ve chosen the following companies as the best options for Volvo drivers.
| User Reviews | 3.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $54/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $108/mo |
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.3 | 3.2 |
| Customer service | 4.4 | 3.6 |
| Discounts | 4.3 | 2.9 |
| Policy transparency | 4.2 | 3.1 |
| Value | 4.2 | 2.9 |
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
| User Reviews | 3.3 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $95/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $188/mo |
Nationwide's score | Industry average | |
|---|---|---|
| Coverage options | 3.0 | 3.2 |
| Customer service | 3.1 | 3.6 |
| Discounts | 3.0 | 2.9 |
| Policy transparency | 3.0 | 3.1 |
| Value | 3.5 | 2.9 |
| User Reviews | NR |
|---|
No matter what state you call home, which car you drive, or how old you are, using as many discounts as possible when it comes to your car insurance is always important when shopping around for a new policy.
Even though all auto insurance companies offer their own unique discounts, there are a few different ones that you'll find with most carriers. These include things like:
Multi-vehicle discounts for having more than one car on your auto policy
Pay-in-full discounts for drivers who choose to pay their entire policy rate at once, rather than by monthly payments
Defensive driving discounts for taking a defensive driving class from an accredited school or institution
Vehicle safety discounts for having a vehicle with certain safety features (like anti-lock brakes or air bags) or one with higher safety ratings
There are countless ways to save money on your insurance if you know where to look.
Even though you don't have control over every factor auto insurance companies consider to calculate rates (like some of the ones mentioned above), there are quite a few that you can influence. Below are just a few of the things you can use to your favor when it comes to cost savings:
Infractions | Average Monthly Premium |
|---|---|
| 1 Accident | $88 |
| Multiple Accidents | $94 |
| 1 Ticket | $61 |
| Multiple Tickets | $80 |
You've almost certainly observed ads from insurance carriers promoting big savings for responsible drivers. It follows that if you get a speeding ticket or get into a collision, car insurance premiums will go up. But you still might be left wondering exactly how much these infractions will cost you.
Looking at the table above, you'll see that accidents will usually cost XC70 drivers more than tickets, but both will result in a raise in rates. Volvo XC70 drivers with a single ticket will pay an average of $61 per month, while drivers with one accident on their record pay about $88 a month (up $18 from the $70/mo. overall average). Drivers who have multiple kinds of either violation will end up paying even more.
Annual Mileage | Average Monthly Premium |
|---|---|
| 0-2,500 Miles | $66 |
| 2,501-5,000 Miles | $60 |
| 5,001-7,500 Miles | $56 |
| 7,501-10,000 Miles | $78 |
| 10,000+ Miles | $69 |
Another variable that plays a role in your auto insurance prices is how much you drive annually. Those who drive less often are more likely to go accident-free, so they'll usually be offered lower premiums. Based on the table above, you can see that Volvo XC70 owners who drive fewer than 2,500 miles every year pay an average of $66 a month for insurance, while those who put 10,000 miles or more on their cars pay $69.
But if you drive a limited amount, it may be worth getting pay-per-mile or usage-based car insurance. With these kinds of plans, you pay a small monthly amount, and your final monthly bill is calculated based on how many miles you drove.
If you're thinking about purchasing a Volvo XC70, it might be helpful to do your research. Auto insurance is just one cost that's associated with buying a new car, but it's definitely one that's worth thinking about carefully.
Review the table below to see how the Volvo XC70 compares:
Volvo XC70 | National Average | |
|---|---|---|
| Liability Insurance | $27 | $81 |
| Full Coverage Insurance | $95 | $169 |
| Base MSRP | $37,100 | $41,071 |
| Average Annual Mileage | 11,594 | 11,617 |
Overall, the Volvo XC70 has an average MSRP and is in line with the going rate for a new vehicle. The XC70's $41,071 base MSRP is right on trend with the national average of $37,100. And since it's been a few years since a new XC70 model has been on the market, used prices are going to be even less expensive.
Although the purchase price is right in the middle of the spectrum, auto insurance rates are lower when compared to other vehicles on the market. Liability insurance for a Volvo XC70 is around $54 per month less than average, while full coverage is more than $50 cheaper per month.
When it comes to usage, Volvo XC70 drivers are near the national average in annual miles driven, with 11,594 miles each year compared to 11,617 for all vehicles.
You've seen how different variables can have an impact on how much the average driver pays for car insurance. But if you're considering buying a new XC70, knowing how much your vehicle will likely cost is extremely valuable as you weigh your choices.
| Liability Only Avg. Premium | $27 |
| Full Coverage Avg. Premium | $95 |
| Base MSRP | $37,100 |
| Cheapest Insurance Company | Commonwealth Casualty - $27/mo. |
| Available Trims | T5, T5 CLASSIC PLATINUM, T5 CLASSIC PREMIER, T5 PLATINUM, T5 PREMIER |
You can expect full coverage for a 2016 Volvo XC70 to run about $95 monthly, while liability only coverage will average around $27 per month.
Commonwealth Casualty has rates as low as just $27 a month for the 2016 Volvo XC70.
What will your auto insurance price be? Enter your ZIP code below to get several customized quotes for free.
| Liability Only Avg. Premium | $52 |
| Full Coverage Avg. Premium | $89 |
| Base MSRP | $36,050 |
| Cheapest Insurance Company | Mercury - $34/mo. |
| Available Trims | 3.2, 3.2 PLATINUM, 3.2 PREMIER, 3.2 PREMIER +, T5, T5 PLATINUM, T5 PREMIER, T5 PREMIER+, T6 PLATINUM, T6 PREMIER, T6 PREMIER+ |
The average cost to insure a 2015 XC70 with liability only coverage is $52 monthly, while full coverage runs about $89 a month.
Mercury offered the most affordable policy we found, with rates as cheap as just $34 monthly.
These average prices are a great starting point if you're in the market for a 2015 Volvo XC70, but there are a whole range of different things that go into calculating your policy rates. If you want to figure out exactly what you'll be asked to pay, get customized quotes by entering your ZIP below.
| Liability Only Avg. Premium | $33 |
| Full Coverage Avg. Premium | $102 |
| Base MSRP | $34,500 |
| Cheapest Insurance Company | Clearcover - $33/mo. |
| Available Trims | 3.2, T6 |
It costs around $33 per month for liability or $102 for a full coverage policy for the 2014 Volvo XC70.
Looking for the cheapest policy? Clearcover offered liability only coverage for sometimes as little as $33 a month.
If you want to find the best premiums for car insurance for a 2014 Volvo XC70, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.
| Liability Only Avg. Premium | $58 |
| Full Coverage Avg. Premium | $120 |
| Base MSRP | $33,600 |
| Cheapest Insurance Company | Safeco - $33/mo. |
| Available Trims | 3.2, T6 |
On average, drivers who own a 2013 XC70 can expect to pay $58 to $120 monthly for liability only and full coverage insurance, respectively.
We found Safeco offered the lowest policy, with rates as little as just $33 per month.
If you want to know just how much your rate will be, just enter your ZIP code below and get free quotes in minutes.
| Liability Only Avg. Premium | $87 |
| Full Coverage Avg. Premium | $158 |
| Base MSRP | $32,950 |
| Cheapest Insurance Company | Clearcover - $30/mo. |
| Available Trims | 3.2, T6 |
2012 Volvo XC70 drivers can expect to pay an average of $87 a month for liability or $158 for full coverage.
If you're looking for the lowest possible 2012 Volvo XC70 insurance policy, Clearcover offered the cheapest policy we found, with rates sometimes as cheap as $30 per month.
If you want to know just how much your price will be, just enter your ZIP code below and get several free quotes in minutes.
| Liability Only Avg. Premium | $61 |
| Full Coverage Avg. Premium | $123 |
| Base MSRP | $32,150 |
| Cheapest Insurance Company | Infinity - $26/mo. |
| Available Trims | 3.2, T6 |
It costs about $61 monthly for liability or $123 for a full coverage policy for the 2011 XC70.
With rates as little as $26 a month, Infinity offered the most affordable policy we found.
Want to figure out exactly what you'll be asked to pay? Just enter your ZIP code below to get lots of free customized quotes.
| Liability Only Avg. Premium | $55 |
| Full Coverage Avg. Premium | $125 |
| Base MSRP | $37,950 |
| Cheapest Insurance Company | Safeco - $33/mo. |
| Available Trims | 3.2, T6 |
You can expect full coverage for a 2010 Volvo XC70 to run around $125 per month, while liability only coverage will average about $55 monthly.
With premiums as little as just $33 a month, Safeco offered the cheapest policy we found for the 2010 Volvo XC70.
If you want to know exactly how much you can expect to pay for your XC70, get free quotes in minutes by just entering your ZIP code below.
| Liability Only Avg. Premium | $77 |
| Full Coverage Avg. Premium | $109 |
| Base MSRP | $37,250 |
| Cheapest Insurance Company | NationalGeneral - $35/mo. |
| Available Trims | 3.2, T6 |
2009 XC70 drivers can expect to pay an average of $77 per month for liability or $109 for full coverage.
We found NationalGeneral offered the lowest policy, with rates sometimes as little as $35 monthly.
Want something more accurate than nationwide averages? Enter your ZIP code below to get a variety of personalized quotes for free.
| Liability Only Avg. Premium | $60 |
| Full Coverage Avg. Premium | $115 |
| Base MSRP | $36,775 |
| Cheapest Insurance Company | Liberty Mutual - $23/mo. |
| Available Trims | XC70 |
The average cost to insure a 2008 Volvo XC70 with liability only coverage is $60 a month, while full coverage runs around $115 monthly.
With prices as low as $23 per month, Liberty Mutual offered the most affordable policy we found.
If you're looking for a more exact figure on what you should pay for auto insurance for a 2008 Volvo XC70, you can get free quotes in minutes by just entering your ZIP code below.
| Liability Only Avg. Premium | $76 |
| Full Coverage Avg. Premium | $190 |
| Base MSRP | $36,420 |
| Cheapest Insurance Company | Safeco - $19/mo. |
| Available Trims | XC70 |
On average, drivers who own a 2007 XC70 can expect to pay $76 to $190 a month for liability only and full coverage car insurance, respectively.
Safeco has premiums as cheap as just $19 per month for the 2007 Volvo XC70.
Want to know just how much you'll pay? Get multiple customized quotes for free by just entering your ZIP code below.
| Liability Only Avg. Premium | $59 |
| Full Coverage Avg. Premium | $111 |
| Base MSRP | $36,135 |
| Cheapest Insurance Company | Aspire - $17/mo. |
| Available Trims | XC70 |
The average cost to insure a 2006 Volvo XC70 with liability only coverage is $59 monthly, while full coverage runs about $111 per month.
Looking for the lowest policy? Aspire offered liability only coverage for as cheap as $17 a month.
If you want to know exactly how much you can expect to pay for your XC70, just enter your ZIP code below and get free quotes in minutes.
| Liability Only Avg. Premium | $57 |
| Full Coverage Avg. Premium | $94 |
| Base MSRP | $35,385 |
| Cheapest Insurance Company | Elephant - $19/mo. |
| Available Trims | XC70 |
2005 XC70 drivers can expect to pay an average of $57 monthly for liability or $94 for full coverage.
Elephant offered the most affordable policy we found, with rates as low as just $19 a month.
If you want to find the best rates for insurance for a 2005 Volvo XC70, enter your ZIP code below and compare a variety of personalized quotes in just a few minutes.
| Liability Only Avg. Premium | $67 |
| Full Coverage Avg. Premium | $120 |
| Base MSRP | $34,810 |
| Cheapest Insurance Company | MetLife - $17/mo. |
| Available Trims | XC70 |
You can expect full coverage for a 2004 Volvo XC70 to run around $120 monthly, while liability only coverage will average about $67 per month.
If you're looking for the most affordable 2004 Volvo XC70 insurance policy, MetLife offered the cheapest policy we found, with rates sometimes as low as $17 a month.
If you want more accurate quotes of how much you can expect to pay, get free quotes in minutes by just entering your ZIP code below.
It costs less to insure a Volvo XC70 when compared to the average SUV. Liability insurance runs an average of $70 per month, while full coverage will cost you around $127.
There's only one way to confirm you're getting the lowest rates -- checking prices regularly and comparing quotes from a bunch of companies. Over time, your driver profile changes, which could change your rates, so it's recommended that you get quotes every 6 months or so. Luckily, sites like Compare.com let you compare prices from lots of carriers at once, meaning you can find the cheapest rates (or guarantee you already have the best deal) in just a few minutes.
Have you heard the old adage that red cars cost more to insure before? Well, that's just a myth. There are a range of variables auto insurance companies use when they calculate how much your policy will be, but your Volvo XC70's color is not factored into that equation.
You'll need to have a valid insurance policy before you can legally drive your new (or new to you) XC70 off the dealership lot. Some dealerships may offer you an auto insurance policy as part of the car-buying process, but the easiest thing to do is to let your car insurance company know beforehand.
You will find multiple discounts out there for auto insurance. Many of them (like "pay-in-full discounts" and "multi-vehicle discounts") are more based on you than the vehicle you drive, but if your XC70 has safety features like anti-lock brakes, anti-theft systems, airbags, and other features, it may qualify for certain discounts. The only way to be certain is to talk with your insurance agent and ask about which discounts they offer.
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