Volvo S80 Insurance Rates

U.S. average insurance rates for a Volvo S80 are $976 a year for full coverage insurance. Comprehensive insurance costs approximately $160 a year, collision costs $216, and liability coverage costs around $442. A policy with just liability insurance costs as low as $496 a year, with coverage for high-risk drivers 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 by individual coverage:

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

Price Range from Low to High

Geographic Price Range

Where you live has a large influence on the price of auto insurance. Rural locations have lower incidents of physical damage claims than densely populated cities.

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

The ranges above illustrate why it is important to compare prices using their specific location, rather than using average rates.

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

Additional Rate Information

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

• The best discount rate is $595
• Using higher $1,000 deductibles will save $890 each year
• The estimated price for the average middle-age driver who chooses $500 deductibles is $976
• Using low $100 deductibles for physical damage coverage will cost an additional $162 each year
• Higher-risk drivers who are prone to accidents and violations could pay around $2,096 or more
• The price that insures a teenage driver can cost $3,926 or more

View Chart as Image

Insurance prices for a Volvo S80 are also quite variable based on the trim level of your S80, your age and driving record, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you are probably paying anywhere from $1,200 to $1,600 extra each year, depending on your age. A high-risk auto insurance policy can be around 41% to 137% more than a normal policy. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles may only pay around $900 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay in the ballpark of $3,900 a year. View Rates by Age

The state you live in 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 a year, while buying higher liability limits will push prices upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $398 more per year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to figure out who has the best car insurance prices is to get quotes and see how they stack up. Each insurance company uses a different method to calculate prices, so the 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 Cheaper Volvo S80 Insurance

Getting lower rates on auto insurance requires being safe and accident-free, having above-average credit, not filing small claims, and maximizing policy discounts. Compare prices at least every other year by requesting rates from direct insurance companies, and also from your local car insurance providers.

Below you'll find a condensed summary of the car insurance concepts presented in the illustrations above.

• Drivers with multiple at-fault accidents could be charged and average of $1,120 more per year than a low-risk driver
• It is possible to save around $110 per year simply by quoting early and online
• Increasing physical damage deductibles can save approximately $250 each year
• Consumers who purchase more liability protection will pay an extra $490 annually to increase from a low limit to the 250/500 level