Volvo S80 Insurance Rates

U.S. average insurance rates for a Volvo S80 are $976 a year including full coverage. Comprehensive insurance costs an estimated $160 each year, collision costs $216, and liability is estimated at $442. Liability-only coverage costs approximately $496 a year, with high-risk coverage costing $2,096 or more. Teenage drivers pay the highest rates at $3,926 a year or more.

Average premium for full coverage: $976

Price estimates broken down by individual coverage:

Rate estimates include $500 physical damage insurance deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 U.S. states and S80 models.

Price Range from Low to High

Geographic Price Range

Living in a larger city can make a big difference on the price of auto insurance. More rural locations have lower incidents of comprehensive and collision claims than densely populated cities.

The graphic below illustrates how geographic area affects insurance prices.

The ranges above highlight why all drivers should get quotes for a targeted area, instead of making a decision based on average rates.

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

More Rate Information

The chart below breaks down estimated Volvo S80 insurance rates for other coverage scenarios.

• The best discount rate is $595
• Choosing higher $1,000 deductibles can save approximately $86 every year
• The estimated price for the average middle-age driver who has $500 deductibles is $976
• Using low deductibles for comp and collision coverage will cost an additional $162 annually
• Higher-risk drivers who are prone to accidents and violations could pay up to $2,096 or more
• The price that insures a 16-year-old driver can cost as much as $3,926 each year

View Chart as Image

Auto insurance prices for a Volvo S80 are also quite variable based on the trim level and model year, your driving record and age, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you are likely paying $1,200 to $1,600 in extra premium each year, depending on your age. Insurance for high-risk drivers ranges from 41% to 137% more than a normal policy. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles may pay as low as $900 annually on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will have to pay at least $3,900 a year. View Rates by Age

The state you live in 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 Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,390 on average in Louisiana, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles can save as much as $250 annually, whereas increasing liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $398 extra every year. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to figure out which car insurance is cheapest is to do a rate comparison from multiple companies. Each auto insurer uses a different method to calculate prices, and quoted prices may be quite different.

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

Getting lower rates on insurance for a Volvo S80 takes being a low-risk driver, maintaining a good credit score, being claim-free, and qualifying for all possible discounts. Compare prices once a year by obtaining price quotes from direct car insurance companies, and also from your local car insurance providers.

The items below are a brief recap of the data that was presented in the illustrations above.

• You may be able to save approximately $110 per year simply by quoting online in advance
• Insureds who want more liability coverage will pay an extra $490 per year to raise limits from a low limit to the 250/500 level
• Teen drivers are the costliest to insure, possibly costing $327 a month if the policy includes full coverage
• Drivers considered higher risk who tend to receive serious violations could be charged and average of $1,120 more annually to insure their S80