Volvo S80 Insurance Rates

The average insurance prices for a Volvo S80 are $976 every 12 months including full coverage. Comprehensive costs approximately $160 each year, collision costs $216, and liability coverage costs $442. A liability-only policy costs as little as $496 a year, with high-risk insurance costing around $2,096. Teenage 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:

Includes $500 policy deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and S80 models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on car insurance prices. Rural locations are shown to have more infrequent comprehensive and collision claims than densely populated cities.

The graphic below illustrates the difference between rural and urban areas on auto insurance prices.

The examples above highlight why all drivers should compare rates using their specific location and their own driving history, rather than using average rates.

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

Additional Rate Information

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

• The best discount rate is $595
• Drivers who choose higher $1,000 deductibles will pay $86 every year
• The average price for a good driver age 40 who chooses $500 deductibles is $976
• Using low deductibles for comprehensive and collision insurance increases the price to $1,138
• High-risk insureds who are prone to accidents and violations could pay around $2,096 or more
• Policy cost to insure a teenage driver can cost $3,926 a year

View Chart as Image

Car insurance rates for a Volvo S80 also range considerably based on liability limits and deductibles, your driving characteristics, and the model of your S80.

Using high physical damage deductibles could save up to $250 a year, whereas increasing liability limits will push rates upward. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $398 extra every 12 months. View Rates by Deductible or Liability Limit

More mature drivers with no driving violations and higher deductibles may only pay around $900 per year on average, or $75 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged in the ballpark of $3,900 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying anywhere from $1,200 to $1,600 extra every year, depending on your age. Insurance for high-risk drivers can cost around 41% to 137% more than a normal policy. View High Risk Driver Rates

Your home state 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 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

Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to do a rate comparison and see how they stack up. Every company uses a different method to calculate rates, so rate quotes will be varied.

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 Shop for the Cheapest Volvo S80 Insurance

Finding cheaper rates on auto insurance not only requires being a good driver, but also maintaining a good credit score, paying for small claims out-of-pocket, and avoiding coverage lapses. Set aside time to compare rates every other policy renewal by getting rate quotes from direct car insurance companies, and also from your local car insurance providers.

The following list is a recap of the ideas that were covered above.

• Drivers age 16 to 20 pay the highest auto insurance rates, with premiums being up to $327 each month if the policy includes full coverage
• Drivers that have major violations or accidents could be charged and average of $1,120 more per year than a safer driver
• Increasing comprehensive and collision deductibles could save as much as $250 each year
• You may be able to save around $110 per year simply by quoting online in advance