Volvo S80 Insurance Rates

Estimated insurance rates for a Volvo S80 are $976 a year for full coverage insurance. Comprehensive insurance costs an estimated $160 a year, collision insurance costs $216, and liability insurance costs around $442. A liability-only policy costs as low as $496 a year, and high-risk insurance 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 policy deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 states and S80 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a significant impact on the price of insurance. More rural locations are statistically proven to have lower incidents of physical damage claims than densely populated cities. The diagram below illustrates the difference location can make on insurance prices.

These rate differences illustrate why it is important to compare prices for a targeted area, rather than relying on average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $595
• Using higher $1,000 deductibles will save approximately $890 each year
• The estimated price for a 40-year-old good driver who has $500 deductibles is $976
• Using low $100 deductibles for physical damage coverage will cost an additional $162 a year
• Drivers who are prone to accidents and violations could pay up to $2,096
• An auto insurance policy that insures a teen driver can cost as much as $3,926 or more

View Chart as Image

Auto insurance prices for a Volvo S80 also have a wide range based on the trim level of your S80, your age and driving record, and liability limits and deductibles.

If you have a few violations or you caused an accident, you are probably paying $1,200 to $1,600 in extra premium annually, depending on your age. A high-risk auto insurance policy can be anywhere from 41% to 137% more than a normal 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 a year, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will have to pay at least $3,900 a year. View Rates by Age

Where you choose to live has a huge impact on Volvo S80 insurance rates. A driver around age 40 might see prices 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 cut prices by as much as $250 each year, while buying higher liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $398 extra every year. 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 Low Cost Volvo S80 Insurance

Finding better rates on Volvo S80 insurance requires being safe and accident-free, maintaining a good credit score, paying for small claims out-of-pocket, and consideration of higher deductibles. Compare prices every time your policy renews by getting quotes from direct insurance companies, and also from local insurance agencies.

Below you'll find a review of the information touched on in this article.

• It is possible to save approximately $110 per year just by quoting early and online
• Youthful drivers are the costliest to insure, with premiums being up to $327 per month if the policy includes full coverage
• Increasing policy deductibles can save approximately $250 each year
• High-risk drivers who have several accidents or serious violations may have to pay on average $1,120 more annually than a low-risk driver
• Drivers who want more liability protection will pay an extra $490 annually to increase from 30/60 bodily injury limits to the 250/500 level