Volvo S80 Insurance Rates

Estimated insurance prices for a Volvo S80 are $976 every 12 months for full coverage insurance. Comprehensive insurance costs an estimated $160, collision insurance costs $216, and liability is estimated at $442. A policy with only liability insurance costs approximately $496 a year, and a high-risk policy costs $2,096 or more. Teenage drivers pay the most at up to $3,926 a year.

Average premium for full coverage: $976

Premium estimates broken down by type of coverage:

Estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 states and for different S80 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can make a big difference on the price of insurance. More rural locations are statistically proven to have more infrequent physical damage claims than densely populated cities. The price range example below illustrates how your location can change insurance prices.

These rate differences illustrate why anyone shopping for car insurance should get quotes for a targeted area and their own driving history, instead of making a decision based on average rates.

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

Additional Rate Information

The chart below illustrates average Volvo S80 insurance rates for other coverage scenarios.

• The best discount rate is $595
• Choosing higher $1,000 deductibles can save approximately $86 each year
• The average price for a 40-year-old good driver who has $500 deductibles is $976
• Using more expensive low deductibles for comp and collision coverage costs an extra $162 annually
• Higher-risk drivers who are prone to accidents and violations could pay up to $2,096
• An auto insurance policy to insure a 16-year-old driver with full coverage can cost as much as $3,926 each year

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Car insurance prices for a Volvo S80 also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the model year and trim level.

Using high physical damage deductibles can save as much as $250 annually, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $398 extra every 12 months. View Rates by Deductible or Liability Limit

An older driver with no driving violations and higher deductibles may pay as low as $900 annually on average, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will be charged at least $3,900 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are probably paying $1,200 to $1,600 extra annually, depending on your age. High-risk driver insurance ranges from 41% to 137% more than a normal policy. View High Risk Driver Rates

Where you choose to live plays a big part in determining prices for Volvo S80 insurance prices. A good driver about age 40 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.

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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 Shop for Low Cost Volvo S80 Insurance

Finding better rates on insurance for a Volvo S80 takes having a decent driving record, maintaining a good credit score, paying for small claims out-of-pocket, and possibly higher deductibles. Invest the time to shop around at least once a year by getting rate quotes from direct insurance companies, and also from insurance agencies where you live.

The following items are a review of the primary concepts that were illustrated above.

• It is possible to save approximately $110 per year just by shopping early and online
• Drivers considered higher risk who have several accidents or serious violations could be forced to pay on average $1,120 more annually than a driver with a clean driving record
• Increasing policy deductibles could save as much as $250 each year
• 16 to 18-year-old drivers have the highest car insurance prices, with premiums being up to $327 per month if the policy includes full coverage