Volvo S80 Insurance Rates

Average insurance rates for a Volvo S80 are $976 a year for full coverage insurance. Comprehensive costs approximately $160 a year, 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 around $2,096. Teenage drivers receive the highest rates at $3,926 a year or more.

Average premium for full coverage: $976

Rate estimates by individual coverage type:

Price estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 states and S80 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live can make a big difference on the price of auto insurance. Rural locations tend to have a lower frequency of physical damage claims than densely populated cities.

The diagram below illustrates the difference location can make on auto insurance prices.

These examples illustrate why it is important to compare prices using their specific location and risk profile, instead of making a decision based on average rates.

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

More Rate Information

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 $890 each year
• The average rate for a 40-year-old driver who chooses $500 deductibles is $976
• Using low $100 deductibles for physical damage coverage will increase the cost to $1,138
• High-risk insureds who are prone to accidents and violations could pay around $2,096 or more
• The cost for full coverage for a 16-year-old driver can cost $3,926 or more

View Chart as Image

Auto insurance rates for a Volvo S80 can also vary considerably based on your driver profile, the model year and trim level, and physical damage deductibles and liability limits.

Older drivers with a good driving record and high deductibles may pay as low as $900 a year for full coverage. Rates are much higher for teen drivers, where even good drivers will have to pay in the ballpark of $3,900 a year. View Rates by Age

Where you live has a huge impact on Volvo S80 insurance prices. 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

Using high physical damage deductibles could cut rates by as much as $250 annually, while buying higher liability limits will push rates upward. Switching from a 50/100 limit to a 250/500 limit will cost as much as $398 extra every year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying anywhere from $1,200 to $1,600 in extra premium per year, depending on your age. A high-risk auto insurance policy can be from 41% to 137% more than a normal policy. View High Risk Driver Rates

With so much variability in rates, the only way to figure out who has the best car insurance rates is to get quotes from multiple companies. Each insurance company uses a different method to calculate rates, and quoted rates can be significantly different 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

Saving money on insurance for a Volvo S80 requires having a decent driving record, having good credit, avoid buying unnecessary coverage, and not having any coverage lapses. Make time to compare rates at least once a year by obtaining price quotes from direct insurance companies like GEICO and Progressive, and also from your local independent and exclusive agents.

The following items are a condensed summary of the primary concepts that were touched on in this article.

• It is possible to save around $110 per year simply by quoting early and online
• Drivers considered higher risk with multiple at-fault accidents may pay on average $1,120 more per year than a driver with a clean driving record
• Increasing deductibles can save around $250 each year
• 16 to 18-year-old drivers have the highest car insurance rates, costing up to $327 per month if they have full coverage