Volvo S80 Insurance Rates

The average auto insurance rates for a Volvo S80 are $976 annually for full coverage insurance. Comprehensive insurance costs approximately $160, collision costs $216, and liability is $442. Buying just liability costs around $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:

These estimates include $500 policy deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and for all S80 models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on the price of auto insurance. Rural locations are shown to have fewer physical damage claims than densely populated cities.

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

The examples above illustrate why everyone should compare rates quotes using their specific location and their own personal driving habits, instead of using average rates.

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

Additional Rate Details

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

• The best discount rate is $595
• Raising to $1,000 deductibles will save $86 each year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $976
• Using pricier low deductibles costs an additional $162 every year
• At-risk drivers who are prone to accidents and violations could pay around $2,096 or more
• Policy cost with full coverage for a teen driver for full coverage can cost $3,926

View Chart as Image

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

A more mature driver with a clean driving record and high physical damage deductibles may pay as little as $900 every 12 months 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 in the ballpark 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 are probably paying anywhere from $1,200 to $1,600 extra every year, depending on your age. Volvo S80 insurance for high-risk drivers is expensive and can cost as much as 41% to 137% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce rates by up to $250 every year, whereas buying more liability protection will push rates upward. Switching 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 also has a big influence on Volvo S80 insurance prices. A middle-age driver might find 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

Because rates have so much variability, the only way to figure out who has the best car insurance rates is to regularly compare rates and see which company has the best rate. Every auto insurance company 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 Cheap Volvo S80 Insurance

Finding cheaper rates on car insurance consists of avoiding accidents and claims, having a good credit history, being claim-free, and maximizing policy discounts. Invest the time to shop around at least every other year by requesting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The points below are a brief summary of the car insurance concepts illustrated above.

• Higher risk drivers that tend to have accidents or serious violations could be forced to pay on average $1,120 more per year to insure a Volvo S80
• It is possible to save around $110 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles could save up to $250 each year
• Policyholders who purchase increased liability limits will pay an extra $490 annually to raise from a 30/60 limit to higher 250/500 limits