Volvo S80 Insurance Rates

Estimated insurance prices for a Volvo S80 are $976 every 12 months for full coverage. Comprehensive insurance costs an estimated $160 each year, collision costs $216, and liability coverage costs around $442. A liability-only policy costs as low as $496 a year, with high-risk insurance costing $2,096 or more. Teenage drivers pay the most at $3,926 a year or more.

Average premium for full coverage: $976

Premium estimates broken down by type of coverage:

Includes $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all states and S80 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a large influence on insurance rates. More rural locations are statistically proven to have more infrequent accident claims than densely populated cities.

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

These rate differences show why all drivers should compare prices for a targeted area and their own driving history, rather than using average rates.

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

Rate Comparisons

The chart below shows estimated Volvo S80 insurance rates for other coverage scenarios.

• The best discount rate is $595
• Using higher $1,000 deductibles will save approximately $86 a year
• The average price for a 40-year-old good driver who has $500 deductibles is $976
• Using low deductibles for physical damage coverage costs an extra $162 each year
• Higher-risk drivers who are prone to accidents and violations could pay up to $2,096 or more
• An auto insurance policy to insure a teenage driver can cost as much as $3,926 or more

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Auto insurance prices for a Volvo S80 also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the model year and trim level.

Using high physical damage deductibles could cut prices by as much as $250 a year, whereas increasing liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will cost up to $398 extra every year. View Rates by Deductible or Liability Limit

More mature drivers with a good driving record and higher deductibles may only pay around $900 a year, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will have to pay at least $3,900 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you could be paying $1,200 to $1,600 in extra premium annually, depending on your age. Insurance for high-risk drivers can be around 41% to 137% more than a normal policy. View High Risk Driver Rates

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

View Chart as Image

With such a large range in prices, the only way to know which insurance company is cheapest is to do a rate comparison and see how they stack up. Each insurance company uses a different method to calculate prices, and quoted prices will be substantially 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 Shop for the Cheapest Volvo S80 Insurance

Finding better rates on auto insurance requires avoiding accidents and violations, having a good credit score, not filing small claims, and qualifying for all possible discounts. Make time to compare rates every time your policy renews by obtaining price quotes from direct carriers, and also from several local insurance agents.

The list below is a recap of the information touched on in this article.

• Drivers can save approximately $110 per year simply by quoting online in advance
• Teenagers are the costliest to insure, as much as $327 per month if comprehensive and collision insurance is included
• Increasing policy deductibles could save as much as $250 each year
• Drivers that have major violations or accidents pay on average $1,120 more annually for car insurance
• Consumers who want higher liability limits will pay an extra $490 each year to increase from 30/60 bodily injury limits to a 250/500 level