Volvo S80 Insurance Rates

U.S. average insurance rates for a Volvo S80 are $976 a year for full coverage insurance. Comprehensive costs approximately $160, collision insurance costs $216, and liability coverage is estimated at $442. Buying just liability costs approximately $496 a year, and insurance for high-risk drivers costs around $2,096. Teen drivers pay the highest rates at up to $3,926 a year.

Average premium for full coverage: $976

Price estimates by individual coverage:

Rates are based on $500 comprehensive and collision deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 states and for different S80 trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a large influence on the price of auto insurance. Rural locations have lower incidents of physical damage claims than larger metro areas. The price range example below illustrates how geographic area affects auto insurance prices.

The ranges above illustrate why anyone shopping for car insurance should get quotes using their specific location, rather than using price averages.

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

More Rate Information

The chart below illustrates average 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 each year
• The estimated price for the average middle-age driver who chooses $500 deductibles is $976
• Choosing more expensive low deductibles for comp and collision coverage bumps up the cost to $1,138
• Drivers with multiple violations and an at-fault accident could pay around $2,096
• The price that insures a teenage driver with full coverage can cost $3,926 each year

View Chart as Image

Insurance prices for a Volvo S80 are also quite variable based on the model year and trim level, 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 additional each year, depending on your age. High-risk driver insurance ranges around 41% to 137% more than average. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles may only pay around $900 annually on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records should be prepared to pay in the ballpark of $3,900 a year. View Rates by Age

The state you live in plays a big part in determining prices for Volvo S80 insurance rates. A good driver about age 40 could pay as low as $640 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,320 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing high deductibles can save as much as $250 a year, while increasing your policy's 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 each 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 the Best Cheap Volvo S80 Insurance

Getting lower rates on auto insurance takes having a decent driving record, having a good credit score, not filing small claims, and consideration of higher deductibles. Shop around every couple of years by requesting quotes from direct insurance companies, and also from your local car insurance providers.

The following items are a quick review of the material that was presented in the illustrations above.

• Consumers who purchase additional liability coverage will pay about $490 annually to raise limits from a low limit to the 250/500 level
• 16 to 18-year-old drivers are the costliest to insure, as much as $327 a month if comprehensive and collision insurance is included
• Drivers with a DUI or reckless driving violation could be charged and average of $1,120 more per year than a driver with a clean driving record
• Increasing physical damage deductibles can save approximately $250 each year