Volvo S80 Insurance Rates

The average insurance rates for a Volvo S80 are $976 a year with full coverage. Comprehensive costs approximately $160 each year, collision costs $216, and liability insurance is estimated at $442. Liability-only coverage costs approximately $496 a year, with high-risk coverage costing around $2,096. Teen 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:

Full coverage includes $500 policy deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all U.S. states and S80 models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on the price of insurance. Rural locations are shown to have a lower frequency of collision claims than larger metro areas.

The graphic below illustrates how location impacts auto insurance prices.

The examples above demonstrate why all drivers should get quotes using their specific location and risk profile, rather than relying on price averages.

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

More Rate Information

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

• The lowest rate with discounts is $595
• Choosing higher $1,000 deductibles can save $86 annually
• The average rate for a good driver age 40 who chooses $500 deductibles is $976
• Choosing low deductibles for comp and collision coverage will increase the cost to $1,138
• High-risk insureds with multiple violations and an at-fault accident could pay around $2,096 or more
• Policy cost for full coverage for a teen driver can cost $3,926 each year

View Chart as Image

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

More mature drivers with no violations or accidents and high deductibles could pay as little as $900 annually on average, or $75 per month, for full coverage. Rates are highest for teenagers, where even good drivers should be prepared to pay in the ballpark of $3,900 a year. View Rates by Age

Your home state plays a big part in determining prices for Volvo S80 insurance rates. A good driver about age 40 could pay as low as $700 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,320 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing high deductibles can save as much as $250 each year, whereas increasing liability limits will push rates upward. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $398 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out anywhere from $1,200 to $1,600 additional every year, depending on your age. Insurance for high-risk drivers ranges anywhere from 41% to 137% more than average. View High Risk Driver Rates

Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to do a rate comparison from as many companies as possible. Each auto insurer uses a different rate calculation, and rates will be varied from one company to the next.

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 More Affordable Volvo S80 Insurance

Finding cheaper rates on Volvo S80 insurance takes avoiding accidents and claims, having a good credit history, not filing small claims, and qualifying for all possible discounts. Spend time shopping around at every policy renewal by obtaining price quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The points below are a summary of the data touched on above.

• Drivers who purchase increased liability limits will pay about $490 every year to raise limits from a 30/60 limit to 250/500 limits
• You may be able to save around $110 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles can save around $250 each year
• Drivers under the age of 20 are the costliest to insure, as much as $327 each month including comprehensive and collision insurance