Volvo S80 Insurance Rates

The average auto insurance rates for a Volvo S80 are $976 annually with full coverage. Comprehensive insurance costs approximately $160, collision costs $216, and liability coverage costs $442. Buying just liability costs as little as $496 a year, with insurance for high-risk drivers costing $2,096 or more. 16-year-old drivers cost the most to insure at $3,926 a year or more.

Average premium for full coverage: $976

Policy rates by type of insurance:

Price estimates include $500 physical damage insurance deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and for all S80 models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on the price of insurance. Rural locations are shown to have fewer collision claims than congested cities.

The example below illustrates how rural and urban location affects auto insurance prices.

The examples above demonstrate why everyone should compare rates using their specific location and their own personal driving habits, rather than using rate averages.

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

Additional Rate Analysis

The chart below details estimated Volvo S80 insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $595
• Drivers who choose higher $1,000 deductibles will pay $86 annually
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $976
• Buying pricier low deductibles for comprehensive and collision insurance costs an additional $162 each year
• High-risk insureds with multiple tickets or accidents could pay around $2,096 or more
• Policy cost with full coverage for a teenage driver for full coverage can cost $3,926 a year

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Insurance rates for a Volvo S80 also range considerably based on the model year and trim level, your driving record, and physical damage deductibles and liability limits.

A more mature driver with a clean driving record and high physical damage deductibles may only pay around $900 per year on average, or $75 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they can expect to pay in the ballpark of $3,900 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you may be forking out anywhere from $1,200 to $1,600 extra every year, depending on your age. Volvo S80 insurance for high-risk drivers can cost around 41% to 137% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could save up to $250 a year, whereas buying more liability protection will push rates upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $398 more per year. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Volvo S80 insurance rates. A 40-year-old driver could pay as low as $700 a year in states like Utah, Ohio, and New Hampshire, or at least $1,320 on average in New York, Michigan, and Florida.

View Chart as Image

Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to regularly compare rates and see how they stack up. Every company utilizes a different rate formula, so the rates will be varied between companies.

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 Buy Cheaper Volvo S80 Insurance

Finding cheaper rates on auto insurance not only requires being a low-risk driver, but also having a good credit history, not filing small claims, and maximizing policy discounts. Set aside time to shop around every couple of years by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The items below are a condensed summary of the material that was raised in the charts and tables above.

• Consumers who purchase more liability coverage will pay around $490 every year to go from a 30/60 limit to higher 250/500 limits
• Teen drivers are expensive to insure, as much as $327 each month including comprehensive and collision insurance
• Drivers with multiple at-fault accidents may pay on average $1,120 more per year to insure their S80
• Increasing comprehensive and collision deductibles could save up to $250 each year