Volvo S80 Insurance Rates

Average insurance rates for a Volvo S80 are $976 a year with full coverage. Comprehensive insurance costs approximately $160, collision costs $216, and liability is estimated at $442. A liability-only policy costs approximately $496 a year, with high-risk insurance costing $2,096 or more. 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, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all U.S. states and for all S80 models.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can have significant affects on the price of insurance. Rural locations tend to have a lower frequency of collision claims than densely populated cities.

The example below illustrates how your location can change auto insurance prices.

These examples demonstrate why everyone should get quotes using their specific location and risk profile, instead of using average rates.

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

Additional Rate Information

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

• The best discount rate is $595
• Choosing higher $1,000 deductibles can save $86 annually
• The average rate for a 40-year-old driver who chooses $500 deductibles is $976
• Using pricier low deductibles for comp and collision coverage will cost an extra $162 every year
• Unlucky drivers who are prone to accidents and violations could pay around $2,096 or more
• The cost for full coverage for a teen driver for full coverage can cost $3,926 each year

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

A more mature driver with a clean driving record and high deductibles may pay as little as $900 annually on average for full coverage. Rates are much higher for teen drivers, where even good drivers can expect to pay in the ballpark of $3,900 a year. View Rates by Age

Where you live plays a big part in determining prices for Volvo S80 insurance prices. A good driver about age 40 could pay as low as $700 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,320 on average in New York, Michigan, and Florida.

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Using high physical damage deductibles can save as much as $250 every year, whereas buying more liability protection will push rates upward. Moving from a 50/100 limit to a 250/500 limit will cost as much as $398 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you may be forking out anywhere from $1,200 to $1,600 extra per year, depending on your age. Volvo S80 insurance for high-risk drivers ranges as much as 41% to 137% more than a normal policy. View High Risk Driver Rates

With so much variability in rates, the best way to find out who has the cheapest auto insurance rates is to regularly compare rates and see which company has the best rate. Each auto insurer uses a different method to calculate rates, so the 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 car insurance takes avoiding accidents and violations, maintaining good credit, eliminating unnecessary coverage, and maximizing policy discounts. Invest the time to shop around every time your policy renews by requesting quotes from direct companies like GEICO and Progressive, and also from several local insurance agents.

The list below is a condensed summary of the information illustrated above.

• You may be able to save around $110 per year simply by quoting online well ahead of the renewal date
• Teenagers are expensive to insure, with premiums as much as $327 per month for full coverage
• Increasing deductibles can save around $250 each year
• Higher risk drivers with multiple at-fault accidents pay on average $1,120 more per year for car insurance
• Policyholders who purchase higher liability limits will pay an extra $490 every year to raise limits from a minimum limit to 250/500 limits