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Overall, the 2012 Volvo XC70 is a little below average in terms of how it affects your auto insurance rate.
According to our analysis, the 2012 Volvo XC70 is a little worse for the cost of your physical damage coverage, relative to other vehicles. What this means is that you could end up paying more for your liability insurance - although there are a lot of other factors that will decide your rate.
The other part of your liability coverage is for bodily injury — the medical expenses of other people who might be injured in an accident you’re responsible for. The type of vehicle you drive can also impact your cost here. Overall, the 2012 Volvo XC70 is a good car for helping keep the premiums for this past of your car insurance down.
If you’re adding collision coverage to your policy, to take care of damage to your car, the good news is that if you own a 2012 Volvo XC70, your rate should be lower relative to many other vehicles, all things being equal.
Comprehensive coverage takes care of the everything else that can happen to your vehicle, so things like theft, vandalism, or storm damage. Owning a 2012 Volvo XC70 should mean you pay a lower rate than you otherwise would.
If you live in a no-fault state, and have Personal Injury Protection (PIP) on your policy owning a 2012 Volvo XC70 will be good for your premiums. Compared to other vehicles the overall impact on your cost to insure will be lower.
If instead, you don’t live in a no-fault state, and have Medical Payments coverage, the impact on your premiums will be positive.
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