Volvo S80 Insurance Rates

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

Average premium for full coverage: $976

Price estimates for individual coverage:

Rate estimates include $500 physical damage insurance deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and S80 trim levels.

Price Range from Low to High

Geographic Price Range

Where you live can have significant affects on the price of insurance. Areas with sparse population have lower incidents of comprehensive and collision claims than densely populated cities.

The diagram below illustrates how where you live affects auto insurance rates.

The ranges above highlight why it is important to compare prices for a specific zip code, instead of using average rates.

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

Detailed Rate Analysis

The chart below breaks down 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 $890 every year
• The estimated price for the average middle-age driver using $500 deductibles is $976
• Using low $100 deductibles for physical damage coverage bumps up the cost to $1,138
• Drivers who are prone to accidents and violations could pay at least $2,096 or more
• The price that insures a teen driver can be $3,926 or more

View Chart as Image

Insurance prices for a Volvo S80 are also quite variable based on the trim level of your S80, your driving record and age, and deductibles and policy limits.

If you have some driving violations or you caused an accident, you are likely paying at least $1,200 to $1,600 additional each year, depending on your age. A high-risk auto insurance policy can be as much as 41% to 137% more than a normal policy. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $900 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records should be prepared to pay as much as $3,900 a year. View Rates by Age

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

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $250 every year, while buying higher liability limits will increase prices. Changing 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 best way to figure out your exact price is to get quotes and see which company has the best price. Each insurance company uses a different method to calculate prices, 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 the Best Volvo S80 Insurance

Getting lower rates on car insurance requires being a low-risk driver, having a good credit score, being claim-free, and taking advantage of discounts. Compare prices once a year by quoting rates from direct car insurance companies, and also from local insurance agencies.

The items below are a brief recap of the data that was touched on in the above illustrations.

• You may be able to save up to $110 per year simply by quoting early and online
• Policyholders who may need more liability coverage will pay an extra $490 per year to increase from a low limit to the 250/500 level
• Teen drivers are charged the highest prices, possibly costing $327 a month if comprehensive and collision insurance is included
• Higher risk drivers who tend to receive serious violations may have to pay on average $1,120 more every year to insure their S80