Volvo S80 Insurance Rates

The average auto insurance rates for a Volvo S80 are $976 annually with full coverage. Comprehensive costs approximately $160, collision costs $216, and liability is estimated at $442. A liability-only policy costs approximately $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:

Estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all U.S. states and for all S80 models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on the price of insurance. Rural locations are shown to have fewer collision claims than densely populated cities.

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

The examples above demonstrate why everyone should get quotes using their specific location and their own personal driving habits, instead of using average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $595
• Choosing higher $1,000 deductibles can save $86 annually
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $976
• Using pricier low deductibles for comp and collision coverage will cost $1,138
• Unlucky drivers who are prone to accidents and violations could pay around $2,096 or more
• Policy cost with full coverage for a teen driver for full coverage can cost $3,926 each year

View Chart as Image

Car 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 no driving violations and high physical damage deductibles may pay as little as $900 annually on average, or $75 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they 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 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 ranges as much as 41% to 137% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $250 every 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 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state plays a big part in determining prices for Volvo S80 insurance prices. A good driver about age 40 could pay as low as $700 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $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 which company has the best rate. Each auto insurer uses a different method to calculate rates, so rate quotes 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 Low Cost Volvo S80 Insurance

Finding cheaper rates on car insurance takes avoiding accidents and violations, having a good credit score, not filing small claims, and avoiding coverage lapses. Set aside time to compare rates at every policy renewal by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The list below is a review of the data covered above.

• Policyholders who purchase higher liability limits will pay an extra $490 every year to raise limits from a 30/60 limit to higher 250/500 limits
• You may be able to save around $110 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles could save up to $250 each year
• Teenagers pay the highest auto insurance rates, as much as $327 each month if comprehensive and collision insurance is included