Volvo S80 Insurance Rates

The average insurance rates for a Volvo S80 are $976 a year including full coverage. Comprehensive insurance costs approximately $160, collision costs $216, and liability costs around $442. Buying just liability costs as low as $496 a year, with insurance for high-risk drivers 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:

These estimates include $500 deductible amounts, minimum liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for all S80 models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on car insurance prices. Rural locations are shown to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion.

The example below illustrates how geographic area affects auto insurance prices.

The examples above highlight why everyone should compare prices using their specific location and risk profile, instead of making a decision based on averaged prices.

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 additional coverage and risk scenarios.

• The cheapest rate after discounts is $595
• Using higher $1,000 deductibles will save $86 every year
• The average rate for a good driver age 40 who chooses $500 deductibles is $976
• Selecting pricier low deductibles for physical damage coverage will cost an extra $162 annually
• High-risk insureds with serious driving violations could pay around $2,096 or more
• Policy cost for full coverage for a 16-year-old driver for full coverage can cost $3,926 or more

View Chart as Image

Insurance rates for a Volvo S80 also range considerably based on your risk profile, the model of your S80, and physical damage deductibles and liability limits.

A more mature driver with a clean driving record and high deductibles may pay as low as $900 a year, or $75 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay in the ballpark of $3,900 a year. View Rates by Age

Your home state has a huge impact on Volvo S80 insurance prices. A driver around age 40 might see rates as low as $750 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,390 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $250 annually, whereas buying more liability protection will push rates upward. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $398 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying anywhere from $1,200 to $1,600 extra every year, depending on your age. Volvo S80 insurance for high-risk drivers can be from 41% to 137% more than the average policy. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to regularly compare rates from multiple companies. Each insurance company calculates rates differently, so the rates will be varied from one company to the next.

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 Cheap Volvo S80 Insurance

Finding cheaper rates on insurance for a Volvo S80 requires having a good driving record, maintaining good credit, paying for small claims out-of-pocket, and maximizing policy discounts. Invest the time to compare rates every couple of years by requesting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The next list is a brief summary of the material that was presented in the illustrations above.

• Insureds who purchase increased levels of liability coverage will pay approximately $490 per year to increase from a 30/60 limit to 250/500 limits
• Drivers age 20 and younger are expensive to insure, with premiums being up to $327 each month for full coverage
• Drivers considered higher risk that tend to have accidents or serious violations could be forced to pay on average $1,120 more per year to buy Volvo S80 insurance
• Increasing comprehensive and collision deductibles can save around $250 each year