Volvo V70 Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• A Volvo V70 costs less than most other cars to insure.
• Full coverage insurance for a V70 runs about $122 per month, on average, while liability only insurance normally comes in at around $63 monthly.
• Commonwealth Casualty provides the lowest average premiums for a V70 with liability only coverage offered for sometimes as little as $32 a month.

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V70 Overview

With a base price of $33,550 for 2010 models, the Volvo V70 is a great choice for a mid-level car.

We combed through thousands of car insurance quotes on Compare.com, and we've found that Volvo V70 auto insurance prices run about $86 per month, on average. But how does that stack up to other similar cars out there on the market?

How Much is Car Insurance for a Volvo V70?

You'll see in the table above that compared to other vehicles, Volvo V70 insurance premiums are cheaper than average. On average, V70 drivers will pay around $63 monthly for liability insurance, and about $122 per month for full coverage, which has comprehensive and collision coverages in addition to liability (our guide, "State Minimum vs. Full Coverage", can give you more information on the difference).

Comparing it to other Volvo models, the V70 is cheaper, with rates around 18% lower than the rest of the manufacturer's vehicle offerings. Similarly, compared to other vehicles of a similar body style, V70 coverage is more affordable than average, with both liability only and full coverage insurance averaging less expensive prices than other cars.

Impressively, they're overall more affordable to insure than the average vehicle, no matter what model, make, or body style they are.

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Who has the Cheapest Car Insurance for a Volvo V70?

If you're browsing for an auto insurance policy for a Volvo V70, you might be wondering which company offers the most affordable prices. While premiums can shift pretty significantly depending on your driver profile, Mapfre provides the most affordable average rates for liability only coverage, with rates as cheap as just $28 monthly. The next cheapest carrier is Commonwealth Casualty, who offers insurance as little as just $32 a month.

The third, fourth, and fifth carriers on the list are FirstChicago, USAA, and MetroMile. But just because these five companies offer the lowest average rates doesn't necessarily mean they'll be the cheapest for you.

After all, car insurance carriers look at many factors when calculating rates, so your results might be different. The only way to guarantee you'll find the most affordable rates is to compare quotes from numerous auto insurance companies.

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What Factors Affect Car Insurance Rates for a Volvo V70?

As we mentioned above, there are a multitude of variables that car insurance carriers look at to determine how much they charge you for a policy -- and each company weighs certain factors more than others, so there's not a single carrier that's the cheapest for every driver.

Here are just a few of the things car insurers will look at, with individual breakdowns of how each one affects your rates:

Vehicle Age

The Volvo V70 has been around for a while, so vehicle age will likely make a big difference in what you end up paying for insurance. Usually, newer cars are going to cost more to insure because they're worth more, however, as time goes on and V70s continue to depreciate, insurance costs will gradually get lower.

A new Volvo V70 model hasn't been added to the market for over 5 years, so there isn't data to analyze this trend. However, as you can see in the table above, the cheapest Volvo V70s to insure are those that are 6 to 7 years old, while the most expensive models are V70s that are 15 years old or more, on average.

Your Age

Age makes a difference in how much auto insurance companies will charge you for car insurance. Based on the information in the table above, drivers under 18 have higher rates than drivers who have more experience. In this case, drivers under 18 pay over five times as much as those 25 or older.

Car insurance prices continue to go lower as you get older, with drivers aged 55-64 making up the cheapest age group for the V70.

Your Gender

You may not know, but auto insurance is usually cheaper for women than it is for men. This is because women are less likely to get tickets and get into accidents, which decreases the chances of an insurance claim. When it comes to V70 drivers specifically, men pay about 3% more than women monthly for insurance.

Where You Live

It may seem like common sense that variables such as how old you are and what vehicle you drive play a role in your auto insurance premiums, but did you know that where you live can be equally important? Because car insurance is regulated on the state level and not nationally, prices can vary quite a bit from state to state.

For example, the average Volvo V70 driver in New York pays around $108 a month for liability coverage, while on average, the same Californian owner will pay less than half of that price. The table referenced above shows average rates for the 10 largest states by population, just to give you a good idea of how much premiums can change depending on where you live.

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Volvo V70 Car Insurance Discounts

Whatever your home state, your car, or your age, using as many discounts as possible when it comes to your insurance policy is always a smart move.

While no two auto insurance carriers offer the same exact discounts, there are a few different ones that you'll find with most companies. These include things like:

• Multi-vehicle discounts for insuring more than one of your cars with the same company
• Pay-in-full discounts for agreeing to pay your entire policy price up front, 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 air bags or anti-lock brakes) or one with higher than average safety ratings

These are just a few of the discounts out there. Some of the best ways to save are just by having a good driving record and positive insurance profile.

Even though you can't control every factor car insurance carriers examine to calculate rates (like some of the ones mentioned above), there are quite a few you can control. Below are just a few of the ones you can use in your favor in order to save on insurance:

Your Driving Record

You've almost certainly noticed ads from car insurance companies offering big savings for responsible drivers. And you're probably not surprised to hear that if you get into a collision or get a speeding ticket, insurance prices will increase. But exactly how much is it going to cost you for these infractions?

As you can tell from the table above, accidents will usually cost V70 drivers less than tickets, but both will result in above average rates. Volvo V70 drivers with a single ticket will pay an average of $79 per month, while drivers with one accident on their record pay about $75 per month (up $12 from the $63/mo. overall average). Drivers who have more than one of either violation will end up paying even more.

How Much You Drive

Another variable you have control over is the total amount of miles you drive. Drivers who are on the roads less often are more likely to go accident-free, so they'll generally get more affordable rates. Based on the table above, you can see that Volvo V70 owners who drive less than 2,500 miles pay $81 for auto insurance, while those who drive between 5,000 and 7,500 miles each year pay an average of $51 a month.

But if you don't use your Volvo V70 to travel or commute regularly, it may be worth learning about pay-per-mile or usage-based insurance. With these kinds of policies, you pay a small base rate each month, with your final monthly bill being calculated based on the number of miles you drove.

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How Do Volvo V70s Compare to Other Vehicles?

If you're thinking about making a Volvo V70 your next purchase, it can pay off to do your research. Insurance is just one cost that's associated with a new car purchase, but it's guaranteed to be one that's worth thinking about carefully.

Take a look at the table below to see how the Volvo V70 stacks up:

Overall, the Volvo V70 has an average MSRP and is on par with the going rate for a new vehicle. The V70 has an MSRP of $33,550, similar to the national average vehicle MSRP of $29,720. A used V70 will be even less expensive, since there hasn't been a new model on the market recently.

Although the purchase price is right in the middle of the spectrum, auto insurance premiums are higher when compared to the rest of the vehicle market. Liability insurance for a Volvo V70 is about $31 per month more than average, while full coverage is over $30 more monthly.

However, it is worth noting that the V70 drivers tend to use their cars less than the average American driver, with only 9,996 annual miles for the average owner.

Volvo V70 Car Insurance Costs by Model Year

So far, you've seen how different things affect how much the average driver pays to insure a Volvo V70. But if you're considering buying a new vehicle and the V70 is one you're thinking about, having a good idea of exactly how much you'll pay can be helpful as you consider your choices.

Choose Your Model

2010 Volvo V70 Car Insurance 2009 Volvo V70 Car Insurance 2008 Volvo V70 Car Insurance 2007 Volvo V70 Car Insurance 2006 Volvo V70 Car Insurance 2005 Volvo V70 Car Insurance 2004 Volvo V70 Car Insurance 2003 Volvo V70 Car Insurance 2002 Volvo V70 Car Insurance 2001 Volvo V70 Car Insurance 2000 Volvo V70 Car Insurance 1999 Volvo V70 Car Insurance 1998 Volvo V70 Car Insurance

2010 Volvo V70 Car Insurance

It costs around $112 per month for liability or $199 for a full coverage policy for the 2010 Volvo V70.

We found The General offered the lowest policy, with rates sometimes as cheap as $46 a month.

If you want to find the best rates for auto insurance for a 2010 Volvo V70, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

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2009 Volvo V70 Car Insurance

You can expect full coverage for a 2009 V70 to run about $164 monthly, while liability only coverage will average around $20 per month.

Looking for the most affordable policy? StateAuto offered liability only coverage for as little as $20 monthly.

Interested in exactly how much you'll pay? Get lots of customized quotes for free by just entering your ZIP code below.

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2008 Volvo V70 Car Insurance

On average, drivers who own a 2008 Volvo V70 can expect to pay $55 to $110 per month for liability only and full coverage insurance, respectively.

With premiums as cheap as $17 a month, Clearcover offered the cheapest policy we found for the 2008 Volvo V70.

If you want to know exactly how much you can expect to pay for your V70, get free quotes in minutes by just entering your ZIP code below.

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2007 Volvo V70 Car Insurance

2007 V70 drivers can expect to pay an average of $57 monthly for liability or $172 for full coverage.

If you're looking for the cheapest possible 2007 Volvo V70 insurance policy, MetLife offered the lowest policy we found, with rates sometimes as low as $24 per month.

If you're looking for a more exact figure on what you should pay for car insurance for a 2007 Volvo V70, you can get free quotes in minutes by just entering your ZIP code below.

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2006 Volvo V70 Car Insurance

The average cost to insure a 2006 Volvo V70 with liability only coverage is $58 a month, while full coverage runs about $120 per month.

With prices as low as $18 monthly, Elephant offered the cheapest policy we found.

Want something more accurate than nationwide averages? Enter your ZIP code below to get several free customized quotes.

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2005 Volvo V70 Car Insurance

2005 V70 drivers can expect to pay an average of $51 a month for liability or $98 for full coverage.

Safeco has premiums as low as just $24 per month for the 2005 Volvo V70.

If you want to know exactly how much you can expect to pay for your V70, just enter your ZIP code below and get free quotes in minutes.

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2004 Volvo V70 Car Insurance

On average, drivers who own a 2004 Volvo V70 can expect to pay $67 to $114 a month for liability only and full coverage auto insurance, respectively.

Liberty Mutual offered the most affordable policy we found, with rates as cheap as $20 monthly.

Want to know exactly how much you'll pay? Enter your ZIP code below to get a variety of personalized quotes for free.

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2003 Volvo V70 Car Insurance

The average cost to insure a 2003 V70 with liability only coverage is $65 a month, while full coverage runs around $132 per month.

If you're looking for the most affordable 2003 Volvo V70 insurance policy, Elephant offered the lowest policy we found, with rates as cheap as just $28 monthly.

If you want to know exactly how much you can expect to pay for your V70, just enter your ZIP code below and get several free quotes in minutes.

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2002 Volvo V70 Car Insurance

It costs about $62 a month for liability or $110 for a full coverage policy for the 2002 Volvo V70.

Safeco has prices sometimes as little as $18 per month for the 2002 Volvo V70.

And if you want more accurate rates tailored specifically to you, just enter your ZIP code below and get free quotes in minutes.

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2001 Volvo V70 Car Insurance

You can expect full coverage for a 2001 V70 to run around $139 monthly, while liability only coverage will average about $62 per month.

We found Liberty Mutual offered the cheapest policy, with rates as little as just $16 monthly.

Want to know exactly what your insurance rate will be? Enter your ZIP code below to get multiple customized quotes for free.

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2000 Volvo V70 Car Insurance

On average, drivers who own a 2000 Volvo V70 can expect to pay $67 to $134 a month for liability only and full coverage car insurance, respectively.

Aspire offered the lowest policy we found, with rates as low as $18 monthly.

While these are good estimates of what the average driver might pay to insure a 2000 Volvo V70, these rates might differ based on your driver profile. Get free personalized quotes in minutes by just entering your ZIP code below.

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1999 Volvo V70 Car Insurance

You can expect full coverage for a 1999 V70 to run around $112 a month, while liability only coverage will average about $69 per month.

With prices as low as just $18 a month, Workmens offered the most affordable policy we found.

If you want to find the best rates for insurance for a 1999 Volvo V70, enter your ZIP code below and compare a wide array of personalized quotes in just a few minutes.

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1998 Volvo V70 Car Insurance

1998 Volvo V70 drivers can expect to pay an average of $63 monthly for liability or $101 for full coverage.

With premiums sometimes as low as $18 per month, Liberty Mutual offered the lowest policy we found for the 1998 Volvo V70.

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.

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Volvo V70 Insurance FAQs

Is a Volvo V70 expensive to insure?

The Volvo V70 is relatively cheap to insure compared to the average vehicle. Liability insurance runs an average of $63 a month, while full coverage will cost you around $122.

How can I get the best price on car insurance for my Volvo V70?

There's only one way to be confident you're getting the cheapest rates -- regularly shopping around and comparing quotes from a whole range of carriers. A good rule of thumb is to get quotes every 6 months or so. Luckily, sites like Compare.com let you compare rates from multiple companies at once, meaning you can find the most affordable rates (or guarantee you already have the best deal) in just a few minutes.

Does the color of my Volvo V70 affect my insurance prices?

You may have heard the old adage that it costs more to insure a red car than cars of other colors, but that's actually not true. There are lots of factors car insurance carriers consider when they calculate how much you'll pay, but your V70's color is not one of them.

Do I need to have insurance before I buy a Volvo V70?

You'll need to have valid auto insurance for your Volvo V70 before you can legally drive your it off the dealership lot. Some dealerships might offer you a car insurance policy as part of the car-buying process, but your best bet is letting your insurance company know before you buy.

What car insurance discounts can I get for my Volvo V70?

There are a variety of discounts out there when it comes to car insurance. Many of them (like "multi-vehicle discounts" and "pay-in-full discounts") are more based on you than the car you drive, but if your V70 has safety features like anti-theft systems, anti-lock brakes, 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 their discounts, since they change quite a bit from company to company.