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 insurance costs $216, and liability coverage is $442. A liability-only policy costs around $496 a year, and high-risk insurance costs around $2,096. Teenage drivers cost the most to insure at up to $3,926 a year.

Average premium for full coverage: $976

Policy rates by type of insurance:

Prices are based on $500 policy deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 U.S. states and S80 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence 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 the difference location can make on car insurance rates.

The examples above highlight why it is important to compare rates quotes based on a specific location, rather than using average rates.

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

Additional Rate Details

The chart below breaks down average Volvo S80 insurance rates for different risk profiles and scenarios.

• The best discount rate is $595
• Raising to $1,000 deductibles will save around $890 every year
• The estimated price for a good driver age 40 with $500 deductibles is $976
• Using low $100 deductibles bumps up the cost to $1,138
• Unlucky drivers who are prone to accidents and violations could pay upwards of $2,096
• Policy cost that insures a teenage driver may cost $3,926

View Chart as Image

Car 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 extra every year, depending on your age. A high-risk auto insurance policy is expensive and 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 every 12 months 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 upwards of $3,900 a year. View Rates by Age

Your home state also has a big influence on Volvo S80 insurance rates. A middle-age driver might find rates 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 reduce rates by up to $250 a year, 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 extra every 12 months. View Rates by Deductible or Liability Limit

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 Affordable Volvo S80 Insurance

Finding cheaper rates on auto insurance consists of avoiding accidents and claims, having a positive credit history, paying for small claims out-of-pocket, and possibly raising deductibles. Compare prices every couple of years by requesting rates from direct car insurance companies, and also from insurance agencies where you live.

The points below are a brief review of the material that was touched on in this article.

• Consumers who require increased liability limits will pay an extra $490 per year to raise from a 30/60 limit to the 250/500 level
• Drivers under the age of 20 are expensive to insure, with premiums being up to $327 each month if full coverage is purchased
• Drivers with DUI or reckless driving convictions could be forced to pay on average $1,120 more each year to insure a Volvo S80
• Increasing comprehensive and collision deductibles can save approximately $250 each year