Volvo S80 Insurance Rates

The average insurance rates for a Volvo S80 are $976 a year including full coverage. Comprehensive insurance costs an estimated $160 each year, collision insurance costs $216, and liability costs around $442. Liability-only coverage costs as low as $496 a year, and high-risk coverage costs $2,096 or more. Teenage drivers cost the most to insure at up to $3,926 a year.

Average premium for full coverage: $976

Policy rates broken down by type of insurance:

Rates are based on $500 physical damage deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 U.S. states and S80 models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on the price of auto insurance. More rural locations are shown to have lower incidents of comprehensive and collision claims than densely populated cities. The graphic below illustrates how rural and urban location affects insurance prices.

The examples above highlight why all drivers should compare prices for a targeted area, instead of making a decision based on average rates.

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

Additional Rate Details

The chart below breaks down average Volvo S80 insurance rates for other coverage scenarios.

• The best discount rate is $595
• Using higher $1,000 deductibles will save approximately $86 every year
• The estimated price for a good driver age 40 who has $500 deductibles is $976
• Using low deductibles for physical damage coverage will cost an additional $162 annually
• High-risk insureds who are prone to accidents and violations could pay up to $2,096
• Policy cost that insures a 16-year-old driver can cost as much as $3,926 or more

View Chart as Image

Insurance rates for a Volvo S80 also range considerably based on the trim level and model year, your driving record and age, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you are likely paying $1,200 to $1,600 additional every year, depending on your age. Insurance for high-risk drivers can be from 41% to 137% more than a normal policy. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $900 a year, or $75 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay at least $3,900 a year. View Rates by Age

Your home state has a huge impact on Volvo S80 insurance prices. A driver around age 40 might see rates as low as $750 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,390 on average in Louisiana, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $250 annually, whereas increasing liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $398 more each year. View Rates by Deductible or Liability Limit

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

Finding cheaper rates on insurance for a Volvo S80 requires being a safe and courteous driver, having a good credit score, paying for small claims out-of-pocket, and possibly raising deductibles. Compare prices once a year by getting quotes from direct car insurance companies, and also from your local car insurance providers.

Below is a quick review of the data that was raised in the charts and tables above.

• You may be able to save approximately $110 per year just by quoting online in advance
• Insureds who want higher levels of liability will pay an extra $490 per year to increase from a 30/60 limit to the 250/500 level
• Teenage drivers are expensive to insure, with premiums being up to $327 each month if comprehensive and collision insurance is included
• Drivers considered higher risk with a DUI or reckless driving violation could be charged and average of $1,120 more annually for auto insurance