Volvo S80 Insurance Rates

The average insurance prices for a Volvo S80 are $976 every 12 months including full coverage. Comprehensive insurance costs around $160 a year, collision costs $216, and liability costs $442. Liability-only coverage costs as little as $496 a year, with high-risk coverage costing $2,096 or more. Teens cost the most to insure at $3,926 a year or more.

Average premium for full coverage: $976

Policy rates for type of insurance:

Rates are based on $500 deductible amounts, minimum liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 U.S. states and S80 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on the price of insurance. Areas with sparse population are shown to have more infrequent comprehensive and collision claims than cities with more traffic congestion.

The diagram below illustrates the difference between rural and urban areas on auto insurance rates.

The examples above highlight why it is important to compare rates for a specific zip code and their own driving history, instead of making a decision based on averaged prices.

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

Additional Rate Analysis

The chart below breaks down estimated Volvo S80 insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $595
• Drivers who choose higher $1,000 deductibles will pay about $890 every year
• The average price for a good driver age 40 using $500 deductibles is $976
• Selecting low $100 deductibles for comprehensive and collision insurance costs an extra $162 annually
• Drivers with serious driving violations could pay at least $2,096 or more
• Policy cost to insure a 16-year-old driver can be $3,926 a year

View Chart as Image

Insurance rates for a Volvo S80 also range considerably based on liability limits and deductibles, your driving characteristics, and the trim level and model year.

Choosing higher comprehensive and collision insurance deductibles could save up to $250 annually, while buying higher liability limits will increase rates. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $398 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles may pay as low as $900 per year on average, or $75 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay as much as $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 at least $1,200 to $1,600 additional every year, depending on your age. A high-risk auto insurance policy can cost from 41% to 137% more than the average policy. View High Risk Driver Rates

Your home state makes a big difference in Volvo S80 insurance prices. A 40-year-old driver could pay as low as $750 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,390 on average in Michigan, New York, and Louisiana.

View Chart as Image

Because rates have so much variability, the best way to figure out your exact price is to get quotes from multiple companies. Every company calculates rates differently, and rates 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 Best Cheap Volvo S80 Insurance

Finding cheaper rates on insurance for a Volvo S80 not only requires having a good driving record, but also having above-average credit, paying for small claims out-of-pocket, and taking advantage of discounts. Set aside time to compare rates every couple of years by quoting rates from direct car insurance companies, and also from insurance agencies where you live.

The next list is a quick review of the material that was covered above.

• Insureds who may need increased levels of liability coverage will pay approximately $490 per year to go from a 30/60 limit to a 250/500 level
• Drivers age 20 and younger are charged the highest rates, with premiums being up to $327 each month if full coverage is included
• Drivers considered higher risk with a DUI or reckless driving violation could be forced to pay on average $1,120 more every year to buy Volvo S80 insurance
• Increasing comprehensive and collision deductibles could save as much as $250 each year