Volvo S80 Insurance Rates

The average auto insurance rates for a Volvo S80 are $976 annually with full coverage. Comprehensive costs around $160, collision costs $216, and liability costs around $442. A liability-only policy costs as low as $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 for type of insurance:

Rates are based on $500 deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all U.S. states and for different S80 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on insurance rates. Areas with sparse population are shown to have fewer collision claims than densely populated cities.

The price range example below illustrates the difference location can make on auto insurance rates.

The examples above demonstrate why anyone shopping for car insurance should compare prices for a specific zip code and their own personal driving habits, instead of using average rates.

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

Rates by State, City, and Model

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

• The best discount rate is $595
• Using higher $1,000 deductibles will save about $86 annually
• The estimated rate for a good driver age 40 using $500 deductibles is $976
• Using more expensive low deductibles for physical damage coverage will cost $1,138
• Drivers who are prone to accidents and violations could pay at least $2,096 or more
• Policy cost with full coverage for a teen driver with full coverage can be $3,926 or more

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 deductibles and policy limits.

An older driver with no driving violations and high physical damage deductibles may pay as little as $900 a year, or $75 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will be charged as much as $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 at least $1,200 to $1,600 extra every year, 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

Using high physical damage deductibles could cut rates by as much as $250 every year, while increasing your policy's liability limits will increase rates. 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 has a huge impact on Volvo S80 insurance prices. A driver around age 40 might see rates as low as $700 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,320 on average in Florida, Michigan, and New York.

View Chart as Image

Because rates have so much variability, the best way to find out your exact price is to compare rates and see which company has the best rate. Each insurance company 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 the Best Cheap Volvo S80 Insurance

Finding cheaper rates on car insurance requires not taking risks behind the wheel, having a good credit score, not filing small claims, and qualifying for all possible discounts. Make time to compare rates every couple of years by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The following is a quick review of the material that was touched on in this article.

• Policyholders who may need higher liability limits will pay an extra $490 every year to increase from a 30/60 limit to higher 250/500 limits
• Teens are the costliest to insure, as much as $327 each month if comprehensive and collision insurance is included
• Higher risk drivers with a DUI or reckless driving violation may pay on average $1,120 more every year for S80 insurance
• Increasing comprehensive and collision deductibles could save up to $250 each year