Volvo S80 Insurance Rates

The average insurance rates for a Volvo S80 are $976 a year including full coverage. Comprehensive costs on average $160 a year, collision costs $216, and liability is estimated at $442. Liability-only coverage costs approximately $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:

Full coverage includes $500 policy deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 U.S. 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 lower incidents of comprehensive and collision claims than densely populated cities.

The diagram below illustrates how location impacts car insurance rates.

The examples above highlight why it is important to get quotes based on a specific location, instead of making a decision based on average rates.

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

Additional Rate Analysis

The chart below breaks down 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 every year
• The estimated price for a good driver age 40 with $500 deductibles is $976
• Using low $100 deductibles for comp and collision coverage bumps up the cost to $1,138
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,096 or more
• Policy cost that insures 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 trim level of your S80, your driving record and age, and policy deductibles and limits.

If you have a few points on your driving record or you caused 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 ranges from 41% to 137% more than a normal policy. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $900 annually on average, or $75 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay upwards of $3,900 a year. View Rates by Age

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 $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

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

Because rates have so much variability, the best way to figure out exactly what you will pay is to get quotes from multiple companies. Each auto insurer 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 Find More Affordable Volvo S80 Insurance

Finding cheaper rates on insurance for a Volvo S80 takes being safe and accident-free, having a good credit score, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Compare prices once a year by getting rate quotes from direct car insurance companies, and also from insurance agencies where you live.

Below you'll find a summary of the data that was touched on above.

• You may be able to save as much as $110 per year simply by quoting early and online
• Insureds who require more liability protection will pay an extra $490 per year to raise limits from a 30/60 limit to the 250/500 level
• Youthful drivers pay higher rates, with premiums being up to $327 each month if comprehensive and collision insurance is included
• Drivers considered higher risk who have multiple accidents or major violations could be forced to pay on average $1,120 more each year than a low-risk driver