- Volvo XC70 insurance rates average $1,772 per year or $886 for a semi-annual policy.
- The XC70 T5 AWD trim level is the cheapest to insure at around $1,724 per year. The most expensive trim is the T5 Platinum AWD at $1,822 per year.
- The XC70 ranks fifth out of 24 vehicles in the 2016 midsize luxury SUV class for insurance affordability.
How much does Volvo XC70 car insurance cost?
Volvo XC70 car insurance averages $1,772 annually for full coverage, or around $148 if paid each month. Drivers can plan on paying around $281 less annually for Volvo XC70 insurance when compared to the average rate for all midsize luxury SUVs, and $504 less per year than the $2,276 average for all vehicles.
The following rate chart illustrates how average auto insurance prices on a 2016 XC70 can change based on the age of the rated driver and coverage deductibles. The costs shown are per year, and vary from the cheapest rate of $1,260 per year for a 60-year-old driver with $1,000 comprehensive and collision deductibles to the most expensive rate of $4,126 each year for a 20-year-old driver with low deductibles.
The rate table below shows the average car insurance rates for yearly and 6-month policies, plus a monthly amount for budgeting, for each Volvo XC70 model trim level.
| 2016 Volvo XC70 Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| T5 AWD | $1,724 | $144 |
| T5 Drive-E 2WD | $1,724 | $144 |
| T5 Premier 2WD | $1,772 | $148 |
| T5 Premier AWD | $1,772 | $148 |
| T5 Platinum 2WD | $1,822 | $152 |
| T5 Platinum AWD | $1,822 | $152 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Updated October 24, 2025
The data below details average full coverage car insurance policy costs for a Volvo XC70 from the 2013 to the 2016 model years for five different age groups.
| Model Year and Vehicle | Driver Age 20 | Driver Age 40 | Driver Age 60 |
|---|---|---|---|
| 2016 Volvo XC70 | $3,574 | $1,772 | $1,478 |
| 2015 Volvo XC70 | $3,308 | $1,636 | $1,366 |
| 2014 Volvo XC70 | $3,156 | $1,574 | $1,316 |
| 2013 Volvo XC70 | $3,016 | $1,502 | $1,258 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all Volvo XC70 trim levels for each model year. Updated October 24, 2025
How does Volvo XC70 car insurance cost compare?
When compared to other 2016 model year midsize luxury SUVs, auto insurance rates for a Volvo XC70 cost $16 more per year than the Lexus RX 350, $398 less than the Mercedes-Benz GLE400, and $546 less than the BMW X5.
The Volvo XC70 ranks fifth out of 24 comparison vehicles in the midsize luxury SUV category for most affordable car insurance prices. The XC70 costs an estimated $1,772 per year to insure, while the segment average policy cost is $2,053 per year, a difference of $281.
The table below shows how well Volvo XC70 insurance rates fare against the most popular midsize luxury SUVs like the Acura MDX, Lexus GX 460, and the Infiniti QX60.
| Rank | Make and Model | Annual Premium | Difference |
|---|---|---|---|
| 1 | Infiniti QX50 | $1,538 | -$234 |
| 2 | Lincoln MKX | $1,596 | -$176 |
| 3 | Volvo V60 | $1,740 | -$32 |
| 4 | Lexus RX 350 | $1,756 | -$16 |
| 5 | Volvo XC70 | $1,772 | -- |
| 6 | Cadillac SRX | $1,840 | $68 |
| 7 | Acura MDX | $1,904 | $132 |
| 8 | Lincoln MKT | $1,930 | $158 |
| 9 | Infiniti QX60 | $1,946 | $174 |
| 10 | Lexus GX 460 | $1,976 | $204 |
| 11 | Lexus RX 450 | $1,992 | $220 |
| 12 | Mercedes-Benz GLE350 | $2,020 | $248 |
| 13 | Land Rover Discovery | $2,024 | $252 |
| 14 | Audi SQ5 | $2,088 | $316 |
| 15 | Mercedes-Benz GL350 | $2,106 | $334 |
| 16 | Mercedes-Benz GLE400 | $2,170 | $398 |
| 17 | Tesla Model X | $2,262 | $490 |
| 18 | Mercedes-Benz GLE300 | $2,268 | $496 |
| 19 | Mercedes-Benz GL450 | $2,306 | $534 |
| 20 | BMW X5 | $2,318 | $546 |
| 21 | Mercedes-Benz GLE450 | $2,336 | $564 |
| 22 | Mercedes-Benz AMG GLE63 | $2,414 | $642 |
| 23 | Porsche Cayenne | $2,460 | $688 |
| 24 | BMW X6 | $2,518 | $746 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each vehicle from the 2016 model year. Updated October 24, 2025
