Volvo S80 Insurance Rates

U.S. average insurance rates for a Volvo S80 are $976 a year for full coverage insurance. Comprehensive insurance costs approximately $160, collision costs $216, and liability coverage is estimated at $442. Liability-only insurance costs approximately $496 a year, with high-risk driver insurance costing $2,096 or more. Teenage drivers pay the highest rates at $3,926 a year or more.

Average premium for full coverage: $976

Price estimates by individual coverage:

Rates are based on $500 physical damage deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 states and for different S80 trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a large influence on the price of auto insurance. Rural locations have lower incidents of physical damage claims than densely populated cities.

The price range example below illustrates how location helps determine auto insurance prices.

The ranges above illustrate why anyone shopping for car insurance should get quotes using their specific location, rather than using average rates.

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

Additional Rate Information

The chart below illustrates 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 each year
• The estimated price for the average middle-age driver who chooses $500 deductibles is $976
• Using more expensive low deductibles for comp and collision coverage will cost an additional $162 each year
• Drivers who are prone to accidents and violations could pay around $2,096 or more
• The price that insures a teenage driver with full coverage can cost $3,926 each year

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Car insurance prices for a Volvo S80 are also quite variable based on the model year and trim level, your age and driving record, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you are probably paying anywhere from $1,200 to $1,600 extra each year, depending on your age. High-risk driver insurance ranges around 41% to 137% more than a normal policy. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles may only pay around $900 annually on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will be charged in the ballpark of $3,900 a year. View Rates by Age

The state you live in plays a big part in determining prices for Volvo S80 insurance rates. A good driver about age 40 could pay as low as $640 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,320 on average in Florida, New York, and Michigan.

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Using high physical damage deductibles can save as much as $250 a year, while increasing your policy's liability limits will push prices upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $398 extra every 12 months. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to figure out who has the best car insurance prices is to compare prices and see how they stack up. Each auto insurer uses a different method to calculate prices, so rate quotes 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 the Best Cheap Volvo S80 Insurance

Getting lower rates on auto insurance takes being a safe and courteous driver, having a positive credit history, not filing small claims, and avoiding coverage lapses. Compare prices every couple of years by getting rate quotes from direct insurance companies, and also from your local car insurance providers.

Below is a quick review of the material that was covered in the charts and tables above.

• Consumers who purchase higher levels of liability will pay an extra $490 annually to raise limits from a low limit to the 250/500 level
• Teenage drivers pay the highest auto insurance prices, as much as $327 a month if full coverage is purchased
• Drivers with a DUI or reckless driving violation could be charged and average of $1,120 more per year for auto insurance
• Increasing physical damage deductibles can save approximately $250 each year