Volvo S80 Insurance Rates

The average auto insurance rates for a Volvo S80 are $976 annually with full coverage. Comprehensive insurance costs approximately $160, collision costs $216, and liability insurance is estimated at $442. Liability-only coverage costs approximately $496 a year, with high-risk coverage costing $2,096 or more. Teens cost the most to insure at $3,926 a year or more.

Average premium for full coverage: $976

Policy rates by type of insurance:

Full coverage includes $500 policy deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and for different S80 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on the price of insurance. Rural locations are shown to have fewer collision claims than cities with more traffic congestion.

The price range example below illustrates the effect of geographic area on auto insurance prices.

The examples above demonstrate why anyone shopping for car insurance should get quotes using their specific location and their own personal driving habits, rather than relying on averaged prices.

Use the form below to get customized rates for your location.

Additional Rate Details

The chart below details estimated Volvo S80 insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $595
• Choosing higher $1,000 deductibles can save $86 annually
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $976
• Selecting more expensive low deductibles for comp and collision coverage costs an additional $162 a year
• High-risk insureds with serious driving violations could pay around $2,096 or more
• Policy cost with full coverage for a teen driver with full coverage can cost $3,926 each year

View Chart as Image

Insurance rates for a Volvo S80 also range considerably based on the model year and trim level, your driving record, and physical damage deductibles and liability limits.

An older driver with no violations or accidents and high physical damage deductibles could pay as little as $900 annually on average, or $75 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared to pay in the ballpark of $3,900 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you may be forking out anywhere from $1,200 to $1,600 additional every year, depending on your age. High-risk driver insurance ranges anywhere from 41% to 137% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can save as much as $250 each year, while increasing your policy's liability limits will push rates upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $398 more each year. View Rates by Deductible or Liability Limit

Your home state plays a big part in determining prices for Volvo S80 insurance rates. A good driver about age 40 could pay as low as $700 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,320 on average in New York, Michigan, and Florida.

View Chart as Image

Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to compare rates from as many companies as possible. Each auto insurer calculates rates differently, and rates will be varied between companies.

Insurance Rates by Trim Level and Model Year

Rates assume 2002 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Buy More Affordable Volvo S80 Insurance

Finding cheaper rates on Volvo S80 insurance takes being a good driver, having good credit, not filing small claims, and qualifying for all possible discounts. Take the time to compare rates at every policy renewal by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following list is a summary of the data covered in the above illustrations.

• Drivers who purchase an increased level of liability coverage will pay approximately $490 every year to raise limits from a 30/60 limit to higher 250/500 limits
• You may be able to save around $110 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles could save up to $250 each year
• Drivers age 16 to 20 are the costliest to insure, as much as $327 each month if they have full coverage