Volvo S80 Insurance Rates

The average auto insurance rates for a Volvo S80 are $976 annually for full coverage. Comprehensive insurance costs on average $160 a year, collision costs $216, and liability is estimated at $442. Buying just liability costs approximately $496 a year, with insurance for high-risk drivers costing $2,096 or more. 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 are based on $500 deductible amounts, minimum liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and S80 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on car insurance rates. Rural areas are shown to have fewer accident claims than densely populated cities.

The diagram below illustrates the difference between rural and urban areas on car insurance rates.

The examples above show why it is important to get quotes based on a specific location and their own personal driving habits, instead of making a decision based on average rates.

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

Additional Rate Details

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

• The best discount rate is $595
• Choosing higher $1,000 deductibles can save around $890 a year
• The estimated rate for a good driver age 40 with $500 deductibles is $976
• Using low $100 deductibles for comp and collision coverage costs an additional $162 annually
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,096 or more
• Policy cost with full coverage for a 16-year-old driver may cost $3,926 each year

View Chart as Image

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

Older drivers with a clean driving record and high physical damage deductibles may pay as low as $900 annually on average, or $75 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they can expect to pay upwards of $3,900 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying at a minimum $1,200 to $1,600 extra every year, depending on your age. A high-risk auto insurance policy ranges from 41% to 137% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $250 annually, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $398 more per year. View Rates by Deductible or Liability Limit

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 Idaho, Maine, and Iowa, or be forced to pay as much as $1,390 on average in Michigan, Louisiana, and New York.

View Chart as Image

Because rates have so much variability, the only way to know exactly what you will pay is to get quotes from multiple companies. Each auto insurer uses a different method to calculate rates, so the rates will be varied between companies.

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 Buy Affordable Volvo S80 Insurance

Finding cheaper rates on insurance for a Volvo S80 takes having a good driving record, having a good credit history, avoid buying unnecessary coverage, and bundling your home and auto policies. Set aside time to compare rates every couple of years by getting price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local insurance agents.

The next list is a brief review of the material that was covered above.

• Insureds who require increased levels of liability coverage will pay an extra $490 each year to raise limits from a 30/60 limit to higher 250/500 limits
• Drivers age 20 and younger pay the highest rates, costing up to $327 each month including comprehensive and collision insurance
• Drivers considered higher risk with DUI or reckless driving convictions may be required to pay an average of $1,120 more each year to buy Volvo S80 insurance
• Increasing comprehensive and collision deductibles could save up to $250 each year