Volvo S80 Insurance Rates

The average insurance prices for a Volvo S80 are $976 every 12 months for full coverage insurance. Comprehensive costs approximately $160, collision costs $216, and liability insurance costs around $442. Liability-only insurance costs as low as $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 by type of insurance:

Rate estimates include $500 policy deductibles, liability limits of 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all 50 states and for all S80 models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on the price of auto insurance. Rural locations are shown to have more infrequent physical damage claims than densely populated cities.

The example below illustrates how location impacts auto insurance prices.

The examples above illustrate why everyone should compare prices using their specific location and their own driving history, rather than relying on average rates.

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

More Rate Details

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

• The best discount rate is $595
• Using higher $1,000 deductibles will save $86 each year
• The average price for a good driver age 40 who chooses $500 deductibles is $976
• Using pricier low deductibles for physical damage coverage increases the price to $1,138
• Drivers who are prone to accidents and violations could pay around $2,096 or more
• Policy cost to insure a teen driver for full coverage can cost $3,926 or more

View Chart as Image

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

Using high physical damage deductibles could cut rates by as much as $250 each year, whereas buying more liability protection will push rates upward. Switching 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

A more mature driver with a good driving record and higher deductibles could pay as little as $900 a year, or $75 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have 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 were responsible for an accident, you are probably paying anywhere from $1,200 to $1,600 in extra premium every year, depending on your age. Volvo S80 insurance for high-risk drivers can be anywhere from 41% to 137% more than a normal policy. View High Risk Driver Rates

Your home state has a huge impact on Volvo S80 insurance rates. A driver around age 40 might see rates as low as $640 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,320 on average in Florida, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the only way to figure out who has the best car insurance rates is to regularly compare rates from as many companies as possible. Each insurance company 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 Best Volvo S80 Insurance

Finding cheaper rates on Volvo S80 insurance requires avoiding accidents and claims, having a good credit score, being claim-free, and not having any coverage lapses. Spend time shopping around once a year by getting rate quotes from direct insurance companies, and also from local insurance agencies.

The points below are a brief recap of the data that was touched on above.

• It is possible to save around $110 per year simply by quoting online well ahead of the renewal date
• Drivers who purchase increased liability limits will pay an extra $490 annually to increase from a 30/60 limit to a 250/500 level
• Drivers under the age of 20 have the highest car insurance rates, possibly costing $327 each month if comprehensive and collision insurance is included
• High-risk drivers who tend to receive serious violations may have to pay on average $1,120 more per year to insure a Volvo S80