Volvo S80 Insurance Rates

Estimated insurance rates for a Volvo S80 are $976 a year for full coverage. Comprehensive costs on average $160, collision costs $216, and liability costs around $442. Liability-only insurance costs as low as $496 a year, with high-risk driver insurance costing around $2,096. Teenage drivers pay the most at $3,926 a year or more.

Average premium for full coverage: $976

Premium estimates by type of coverage:

Full coverage includes $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Rates include averaging for all states and for different S80 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can have significant affects on car insurance rates. Rural areas are statistically proven to have a lower frequency of accident claims than densely populated cities.

The price range example below illustrates the difference between rural and urban areas on car insurance rates.

These rate differences show why anyone shopping for car insurance should compare prices based on a specific location and risk profile, instead of using average rates.

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

Additional Rate Analysis

The chart below shows estimated Volvo S80 insurance rates for different risk profiles and scenarios.

• The best discount rate is $595
• Using higher $1,000 deductibles will save around $86 a year
• The average rate for a 40-year-old good driver with $500 deductibles is $976
• Using more expensive low deductibles for physical damage coverage will increase the cost to $1,138
• Drivers who are prone to accidents and violations could pay upwards of $2,096 or more
• An auto insurance policy for full coverage for a teen driver with full coverage may cost $3,926 or more

View Chart as Image

Insurance prices for a Volvo S80 also have a wide range based on your driving characteristics, the trim level of your S80, and policy deductibles and limits.

An older driver with no violations or accidents and high deductibles may pay as little as $900 a year, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers should be prepared to pay upwards of $3,900 a year. View Rates by Age

Where you choose to live has a huge impact on Volvo S80 insurance prices. A driver around age 40 might see prices as low as $640 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,390 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $250 every year, while increasing your policy's liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost up to $398 more each year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you could be paying at a minimum $1,200 to $1,600 additional annually, depending on your age. High-risk driver insurance can be as much as 41% to 137% more than a normal policy. View High Risk Driver Rates

With such a large range in prices, the only way to know exactly what you will pay is to compare prices and see which company has the best price. Each insurance company uses a different method to calculate prices, and prices will be substantially different 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 better rates on car insurance requires having a decent driving record, having a good credit history, not filing small claims, and insuring your home and auto with the same company. Set aside time to compare rates every year by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from your local insurance agents.

The following items are a summary of the coverage data covered above.

• Drivers can save as much as $110 per year simply by shopping early and online
• Increasing policy deductibles can save around $250 each year
• 16 to 18-year-old drivers pay higher prices, as much as $327 per month including comprehensive and collision insurance
• Higher risk drivers who have multiple accidents or major violations will pay on average $1,120 more each year than a driver with a clean driving record