Guide to Volvo XC70 Insurance for 2025: Rates & Comparisons

How much are Volvo XC70 car insurance rates? We analyzed average cost from the base XC70 T5 AWD model up to the loaded T5 Platinum AWD trim to find out how insurance prices stack up against all other midsize luxury SUVs.

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  • Volvo XC70 insurance rates average $1,730 per year or $865 for a semi-annual policy.
  • The XC70 T5 AWD trim level is the cheapest to insure at around $1,682 per year. The most expensive trim is the T5 Platinum AWD at $1,780 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 $1,730 annually for full coverage, or around $144 if paid each month. Drivers can plan on paying around $275 less annually for Volvo XC70 insurance when compared to the average rate for all midsize luxury SUVs, and $491 less per year than the $2,221 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 $1,230 per year for a 60-year-old driver with $1,000 comprehensive and collision deductibles to the most expensive rate of $4,028 each year for a 20-year-old driver with low deductibles.

Average 2016 Volvo XC70 car insurance premiums for different driver ages and policy deductibles.
Figure 1: Average 2016 Volvo XC70 car insurance premiums for different driver ages and policy deductibles. Rates updated on June 26, 2025.

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Data Methodology: Average premiums are based on a 2016 model year Volvo XC70. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision coverage is included as well as UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels.

2016 Volvo XC70 Insurance Cost by Driver Age and Deductibles
Driver Age Policy Deductible Annual Premium Cost Per Month
20-Year-Old$1,000$2,978$248
$500$3,488$291
$250$4,028$336
30-Year-Old$1,000$1,556$130
$500$1,842$154
$250$2,136$178
40-Year-Old$1,000$1,470$123
$500$1,730$144
$250$2,002$167
50-Year-Old$1,000$1,312$109
$500$1,538$128
$250$1,772$148
60-Year-Old$1,000$1,230$103
$500$1,442$120
$250$1,660$138

Data Methodology: Rated driver has no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for the 2016 Volvo XC70. Updated June 26, 2025

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 Insurance Rates by Trim Level
2016 Volvo XC70 Trim Level Annual Premium Cost Per Month
T5 AWD$1,682$140
T5 Drive-E 2WD$1,682$140
T5 Premier 2WD$1,730$144
T5 Premier AWD$1,730$144
T5 Platinum 2WD$1,780$148
T5 Platinum AWD$1,780$148

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 June 26, 2025

Insurance cost by trim level for a 2016 Volvo XC70 ranging from the T5 AWD model at $1,682 per year to the T5 Platinum AWD model at $1,780
Insurance cost by trim level for a 2016 Volvo XC70 ranging from the T5 AWD model at $1,682 per year to the T5 Platinum AWD model at $1,780

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.

Volvo XC70 Insurance Cost by Model Year
Model Year and Vehicle Driver Age 20 Driver Age 40 Driver Age 60
2016 Volvo XC70$3,488$1,730$1,442
2015 Volvo XC70$3,232$1,596$1,334
2014 Volvo XC70$3,080$1,536$1,284
2013 Volvo XC70$2,946$1,466$1,226

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 June 27, 2025

Average insurance rates for 2013 to 2016 Volvo XC70 models for drivers age 20, 40 and 60
Average insurance rates for 2013 to 2016 Volvo XC70 models for drivers age 20, 40 and 60

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 $18 more per year than the Lexus RX 350, $390 less than the Mercedes-Benz GLE400, and $534 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 $1,730 per year to insure, while the segment average policy cost is $2,005 per year, a difference of $275.

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.

Insurance Cost Comparison: Volvo XC70 vs Midsize Luxury SUVs
Rank Make and Model Annual Premium Difference
1Infiniti QX50$1,500-$230
2Lincoln MKX$1,556-$174
3Volvo V60$1,698-$32
4Lexus RX 350$1,712-$18
5Volvo XC70$1,730--
6Cadillac SRX$1,798$68
7Acura MDX$1,860$130
8Lincoln MKT$1,884$154
9Infiniti QX60$1,900$170
10Lexus GX 460$1,932$202
11Lexus RX 450$1,946$216
12Mercedes-Benz GLE350$1,974$244
13Land Rover Discovery$1,978$248
14Audi SQ5$2,040$310
15Mercedes-Benz GL350$2,056$326
16Mercedes-Benz GLE400$2,120$390
17Tesla Model X$2,208$478
18Mercedes-Benz GLE300$2,212$482
19Mercedes-Benz GL450$2,250$520
20BMW X5$2,264$534
21Mercedes-Benz GLE450$2,282$552
22Mercedes-Benz AMG GLE63$2,358$628
23Porsche Cayenne$2,402$672
24BMW X6$2,460$730

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 June 26, 2025

At $1,730 per year, insurance cost for a 2016 Volvo XC70 ranks fifth out of 24 models in the midsize luxury SUV segment
At $1,730 per year, insurance cost for a 2016 Volvo XC70 ranks fifth out of 24 models in the midsize luxury SUV segment