Volvo S80 Insurance Rates

Average insurance rates for a Volvo S80 are $976 a year including full coverage. Comprehensive insurance costs around $160 a year, collision costs $216, and liability insurance costs $442. Buying just liability costs as little as $496 a year, with insurance for high-risk drivers costing $2,096 or more. Teens receive the highest rates at $3,926 a year or more.

Average premium for full coverage: $976

Rate estimates for individual coverage type:

These estimates include $500 policy deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and S80 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location has a significant impact on the price of insurance. Areas with sparse population tend to have lower incidents of comprehensive and collision claims than cities with more traffic congestion.

The diagram below illustrates how geographic area affects auto insurance rates.

These examples highlight why it is important to compare rates for a specific zip code, rather than relying on averaged prices.

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

Detailed Rate Analysis

The chart below breaks down estimated Volvo S80 insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $595
• Drivers who choose higher $1,000 deductibles will pay about $890 every year
• The estimated price for a 40-year-old driver using $500 deductibles is $976
• Selecting low $100 deductibles for comprehensive and collision insurance will cost an additional $162 a year
• High risk drivers with serious driving violations could pay at least $2,096 or more
• The cost that insures a teen driver can be $3,926 a year

View Chart as Image

Auto insurance rates for a Volvo S80 can also vary considerably based on the trim level of your S80, your driving record and age, and deductibles and policy limits.

If you like to drive fast or you caused an accident, you are likely paying at least $1,200 to $1,600 in extra premium per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 41% to 137% more than the average policy. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles could pay as little as $900 per year on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will have to pay as much as $3,900 a year. View Rates by Age

Where you live makes a big difference in Volvo S80 insurance rates. A 40-year-old driver could pay as low as $750 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,390 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $250 each year, while buying higher liability limits will increase rates. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $398 extra every year. View Rates by Deductible or Liability Limit

With so much variability in rates, the best way to figure out your exact price is to get quotes from as many companies as possible. Every company calculates rates differently, and quoted rates can be significantly 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 Cheap Volvo S80 Insurance

Saving money on Volvo S80 insurance not only requires being a good driver, but also maintaining a good credit score, not filing small claims, and maximizing policy discounts. Compare rates at least every other year by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The following list is a brief summary of the car insurance concepts presented in the illustrations above.

• High-risk drivers that tend to have accidents or serious violations may have to pay on average $1,120 more every year than a safer driver
• You may be able to save up to $110 per year simply by quoting early and online
• Increasing deductibles can save approximately $250 each year
• Drivers who may need an increased level of liability coverage will pay approximately $490 per year to go from a minimum limit to the 250/500 level