Volvo S80 Insurance Rates

The average insurance prices for a Volvo S80 are $976 every 12 months including full coverage. Comprehensive costs on average $160 a year, collision costs $216, and liability insurance costs around $442. Liability-only coverage costs as low as $496 a year, with high-risk coverage 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:

Prices include $500 physical damage insurance deductibles, 30/60 liability coverage, and includes UM/UIM and medical coverage. Prices are averaged for all 50 U.S. states and S80 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on car insurance rates. Rural areas are shown to have more infrequent comprehensive and collision claims than densely populated cities.

The diagram below illustrates how geographic area affects car insurance rates.

The examples above highlight why it is important to compare prices based on a specific location and their own driving history, rather than relying on average rates.

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

Rates by State, City, and Model

The chart below breaks down estimated Volvo S80 insurance rates for different risk profiles and scenarios.

• The best discount rate is $595
• Using higher $1,000 deductibles will save around $890 every year
• The average price for a good driver age 40 with $500 deductibles is $976
• Using low $100 deductibles for physical damage coverage increases the price to $1,138
• Drivers who are prone to accidents and violations could pay upwards of $2,096 or more
• Policy cost to insure a teen driver may cost $3,926 or more

View Chart as Image

Insurance rates for a Volvo S80 also range considerably based on liability limits and deductibles, your driving characteristics, and the trim level of your S80.

Using high physical damage deductibles could cut rates by as much as $250 each year, while buying higher liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $398 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents 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 should be prepared to pay upwards 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 likely paying at a minimum $1,200 to $1,600 additional every year, depending on your age. A high-risk auto insurance policy 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 $750 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,390 on average in Michigan, New York, and Louisiana.

View Chart as Image

Because rates have so much variability, the best way to figure out exactly what you will pay is to get quotes from as many companies as possible. Each insurance company uses a different method to calculate rates, and 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 Volvo S80 insurance requires being a low-risk driver, having above-average credit, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Invest the time to compare rates every year by getting rate quotes from direct car insurance companies, and also from your local independent and exclusive agents.

The items below are a quick rundown of the coverage data presented in the illustrations above.

• You may be able to save as much as $110 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles could save as much as $250 each year
• Teen drivers pay higher rates, with premiums being up to $327 each month if full coverage is included
• High-risk drivers with reckless driving or DUI convictions may pay on average $1,120 more each year to insure their S80