Volvo S80 Insurance Rates

The average insurance prices for a Volvo S80 are $976 every 12 months including full coverage. Comprehensive costs an estimated $160 a year, collision costs $216, and liability coverage is estimated at $442. Liability-only insurance costs approximately $496 a year, with high-risk driver insurance costing around $2,096. Teenage drivers cost the most to insure at $3,926 a year or more.

Average premium for full coverage: $976

Policy rates broken down by type of insurance:

Prices include $500 physical damage deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and S80 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on the price of auto insurance. More rural locations are shown to have more infrequent comprehensive and collision claims than densely populated cities.

The diagram below illustrates how location helps determine insurance prices.

The examples above highlight why it is important to get quotes for a targeted area and their own driving history, rather than using average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $595
• Choosing higher $1,000 deductibles can save approximately $890 every year
• The average price for a good driver age 40 who has $500 deductibles is $976
• Using low $100 deductibles for comp and collision coverage increases the price to $1,138
• Drivers who are prone to accidents and violations could pay up to $2,096 or more
• Policy cost to insure a teenage driver can cost as much as $3,926 each year

View Chart as Image

Auto insurance rates for a Volvo S80 also range considerably based on liability limits and deductibles, your driving characteristics, and the model year and trim level.

Using high physical damage deductibles can save as much as $250 a year, while buying higher liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $398 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles may only pay around $900 annually on average, or $75 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay at least $3,900 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying $1,200 to $1,600 in extra premium every year, depending on your age. A high-risk auto insurance policy ranges around 41% to 137% more than a normal policy. View High Risk Driver Rates

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 $750 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,390 on average in Louisiana, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to get quotes and see how they stack up. Each auto insurer uses a different method to calculate rates, and quoted rates will be varied.

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 Shop for the Right Volvo S80 Insurance

Finding cheaper rates on auto insurance takes being a safe and courteous driver, having a good credit score, paying for small claims out-of-pocket, and qualifying for all possible discounts. Invest time comparing rates at least once a year by getting quotes from direct car insurance companies, and also from local insurance agencies.

Below is a quick rundown of the primary concepts that were covered in the charts and tables above.

• You may be able to save approximately $110 per year simply by quoting early and online
• Drivers with reckless driving or DUI convictions may have to pay on average $1,120 more annually for auto insurance
• Increasing comprehensive and collision deductibles could save as much as $250 each year
• Teenage drivers are the costliest to insure, with premiums being up to $327 each month if comprehensive and collision insurance is included