Volvo S80 Insurance Rates

The average insurance rates for a Volvo S80 are $976 a year for full coverage insurance. Comprehensive costs an estimated $160, collision costs $216, and liability is estimated at $442. Buying just liability costs approximately $496 a year, with insurance for high-risk drivers costing around $2,096. Teen 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:

Price estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 states and for different S80 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on the price of insurance. More rural locations are shown to have a lower frequency of physical damage claims than larger metro areas.

The price range example below illustrates how where you live affects insurance prices.

The examples above illustrate why anyone shopping for car insurance should get quotes for a targeted area and risk profile, instead of using price averages.

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

Detailed Rate Analysis

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

• The lowest rate with discounts is $595
• Choosing higher $1,000 deductibles can save approximately $86 each year
• The average rate for a good driver age 40 who has $500 deductibles is $976
• Choosing more expensive low deductibles for comp and collision coverage will increase the cost to $1,138
• Unlucky drivers with multiple violations and an at-fault accident could pay up to $2,096 or more
• Policy cost for full coverage for a teen driver with full coverage can cost as much as $3,926 each year

View Chart as Image

Insurance rates for a Volvo S80 also range considerably based on your risk profile, the model year and trim level, and liability limits and deductibles.

An older driver with a clean driving record and high deductibles may pay as little as $900 annually on average, or $75 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay at least $3,900 a year. View Rates by Age

Your home state plays a big part in determining prices for Volvo S80 insurance prices. A good driver about age 40 could pay as low as $640 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,320 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing high deductibles can save as much as $250 every year, while increasing your policy's liability limits will increase premiums. Switching 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 probably paying $1,200 to $1,600 extra every year, depending on your age. High-risk driver insurance ranges as much as 41% to 137% more than average. View High Risk Driver Rates

Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to compare rates and see which company has the best rate. Each auto insurer uses a different rate calculation, 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 Cheaper Volvo S80 Insurance

Finding cheaper rates on car insurance takes being safe and accident-free, maintaining good credit, being claim-free, and taking advantage of discounts. Take the time to comparison shop every other policy renewal by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

Below you'll find a condensed summary of the ideas that were touched on in the above illustrations.

• Youthful drivers are charged the highest rates, possibly costing $327 each month for full coverage
• Higher risk drivers with multiple at-fault accidents pay on average $1,120 more annually than a low-risk driver
• Increasing comprehensive and collision deductibles can save around $250 each year
• It is possible to save approximately $110 per year simply by shopping early and online