Volvo S80 Insurance Rates

U.S. average insurance rates for a Volvo S80 are $976 a year with full coverage. Comprehensive costs an estimated $160 a year, collision costs $216, and liability insurance costs around $442. A policy with just liability insurance costs as low as $496 a year, with coverage for high-risk drivers costing around $2,096. Teenage drivers pay the highest rates at $3,926 a year or more.

Average premium for full coverage: $976

Price estimates broken down by individual coverage:

Prices are based on $500 policy deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all U.S. states and S80 trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a significant impact on car insurance rates. More rural locations have lower incidents of collision claims than densely populated cities.

The diagram below illustrates how location helps determine insurance prices.

The ranges above demonstrate why it is important to compare prices for a targeted area, rather than relying on average rates.

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

Additional Charts and Tables

The chart below details estimated Volvo S80 insurance rates for other coverage scenarios.

• The best discount rate is $595
• Using higher $1,000 deductibles will save approximately $890 annually
• The estimated price for the average middle-age driver who has $500 deductibles is $976
• Using low $100 deductibles for physical damage coverage bumps up the cost to $1,138
• Drivers who are prone to accidents and violations could pay up to $2,096 or more
• The price that insures a teen driver can cost as much as $3,926 or more

View Chart as Image

Insurance prices for a Volvo S80 are also quite variable based on the trim level of your S80, your age and driving habits, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you may be forking out $1,200 to $1,600 extra each year, depending on your age. A high-risk auto insurance policy can be anywhere from 41% to 137% more than a normal policy. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little as $900 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay at least $3,900 a year. View Rates by Age

The state you live in has a huge impact on Volvo S80 insurance rates. A driver around age 40 might see prices as low as $700 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,320 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $250 each year, while buying higher liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $398 more per year. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to find out which car insurance is cheapest is to get quotes from as many companies as possible. Each insurance company uses a different method to calculate prices, so the prices may be quite different.

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 Find Affordable Volvo S80 Insurance

Getting lower rates on Volvo S80 insurance requires being safe and accident-free, having above-average credit, avoid buying unnecessary coverage, and taking advantage of discounts. Compare prices at least every other year by quoting rates from direct companies, and also from insurance agencies where you live.

Below you'll find a brief review of the car insurance concepts covered in the charts and tables above.

• High-risk drivers with DUI or reckless driving convictions could be forced to pay on average $1,120 more annually than a low-risk driver
• You may be able to save approximately $110 per year simply by quoting early and online
• Increasing physical damage deductibles can save approximately $250 each year
• Drivers who want more liability protection will pay an extra $490 every year to increase from a low limit to the 250/500 level