Volvo S80 Insurance Rates

The average insurance rates for a Volvo S80 are $976 a year for full coverage insurance. Comprehensive insurance costs approximately $160 a year, collision costs $216, and liability coverage costs $442. A liability-only policy costs as little as $496 a year, with high-risk insurance 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:

Rate estimates include $500 policy deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and S80 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on the price of auto insurance. Rural locations are shown to have lower incidents of physical damage claims than densely populated cities.

The diagram below illustrates the difference location can make on auto insurance prices.

The examples above illustrate why it is important to compare rates using their specific location, rather than 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
• Drivers who choose higher $1,000 deductibles will pay $890 each year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $976
• Using low $100 deductibles for comprehensive and collision insurance will cost an additional $162 each year
• High-risk insureds who are prone to accidents and violations could pay around $2,096 or more
• Policy cost that insures a teenage driver can cost $3,926 a year

View Chart as Image

Car insurance rates for a Volvo S80 also range considerably based on the trim level of your S80, your age and driving record, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you are probably paying anywhere from $1,200 to $1,600 extra every year, depending on your age. A high-risk auto insurance policy can cost around 41% to 137% more than a normal policy. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles may only pay around $900 per year on average, or $75 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will be charged in the ballpark of $3,900 a year. View Rates by Age

Your home state makes a big difference in Volvo S80 insurance rates. A 40-year-old driver could pay 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

Using high physical damage deductibles could save up to $250 a year, while buying higher liability limits will push rates upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $398 extra every 12 months. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to figure out who has the best car insurance rates is to get quotes and see how they stack up. Every company uses a different method to calculate rates, so rate quotes 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 the Best Volvo S80 Insurance

Finding cheaper rates on auto insurance not only requires being a good driver, but also having a positive credit history, being claim-free, and avoiding coverage lapses. Compare prices every time your policy renews by requesting quotes from direct insurance companies, and also from your local car insurance providers.

The following list is a brief recap of the information touched on in this article.

• It is possible to save around $110 per year simply by quoting early and online
• Drivers age 16 to 20 pay the highest auto insurance rates, possibly costing $327 each month if full coverage is purchased
• Increasing comprehensive and collision deductibles can save approximately $250 each year
• Drivers who tend to receive serious violations could be charged and average of $1,120 more per year than a safer driver
• Consumers who purchase an increased level of liability coverage will pay an extra $490 annually to go from a 30/60 limit to the 250/500 level