Volvo S80 Insurance Rates

U.S. average insurance rates for a Volvo S80 are $976 a year for full coverage. Comprehensive insurance costs approximately $160 a year, collision costs $216, and liability costs $442. Buying just liability costs as little as $496 a year, with insurance for high-risk drivers costing $2,096 or more. Teens pay the highest rates at $3,926 a year or more.

Average premium for full coverage: $976

Price estimates by individual coverage:

Full coverage includes $500 physical damage insurance deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all states and S80 trim levels.

Price Range from Low to High

Geographic Price Range

Your location can make a big difference on car insurance rates. Rural locations have lower incidents of accident claims than cities with more traffic congestion.

The diagram below illustrates the difference location can make on auto insurance prices.

The ranges above show why it is important to compare rates using their specific location, instead of making a decision based on averaged prices.

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

Detailed Rate Analysis

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

• The cheapest rate after discounts is $595
• Drivers who choose higher $1,000 deductibles will pay $890 a year
• The estimated price for the average middle-age driver who chooses $500 deductibles is $976
• Selecting low $100 deductibles for comprehensive and collision insurance will cost an additional $162 annually
• Drivers with serious driving violations could pay around $2,096 or more
• The price that insures a 16-year-old driver can cost $3,926 a year

View Chart as Image

Insurance prices for a Volvo S80 are also quite variable based on the trim level of your S80, how you drive, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you could be paying anywhere from $1,200 to $1,600 additional each 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

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $900 per year on average for full coverage. Prices are much higher 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 makes a big difference in Volvo S80 insurance prices. A 40-year-old driver could pay as low as $640 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,390 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $250 annually, while buying higher liability limits will push prices upward. Going 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

Since prices can be so different, the only way to know who has the cheapest car insurance prices is to get quotes from multiple companies. Every company calculates prices differently, and prices may be quite different.

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

Getting lower rates on insurance for a Volvo S80 not only requires being a low-risk driver, but also having a good credit score, eliminating unnecessary coverage, and qualifying for all possible discounts. Compare rates at least every other year by getting quotes from direct carriers, and also from insurance agencies where you live.

The items below are a summary of the car insurance concepts touched on in this article.

• Drivers considered higher risk who have multiple accidents or major violations could be forced to pay on average $1,120 more per year to insure their S80
• Drivers can save around $110 per year simply by quoting early and online
• Increasing physical damage deductibles can save approximately $250 each year
• Insureds who purchase more liability coverage will pay approximately $490 each year to go from a low limit to the 250/500 level