Volvo S80 Insurance Rates

U.S. average auto insurance rates for a Volvo S80 are $976 annually for full coverage insurance. Comprehensive costs approximately $160 each year, collision costs $216, and liability insurance costs $442. A policy with just liability insurance costs as little as $496 a year, with coverage for high-risk drivers costing around $2,096. Teens pay the highest rates at $3,926 a year or more.

Average premium for full coverage: $976

Price estimates by individual coverage:

Prices are based on $500 policy deductibles, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 states and S80 models.

Price Range from Low to High

Geographic Price Range

Your location has a significant impact on the price of auto insurance. Rural locations have fewer physical damage claims than cities with more traffic congestion.

The graphic below illustrates the effect of geographic area on auto insurance prices.

The ranges above illustrate why all drivers should compare rates using their specific location and their own personal driving habits, rather than relying on averaged prices.

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

More Rate Information

The chart below illustrates estimated Volvo S80 insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $595
• Drivers who choose higher $1,000 deductibles will pay $86 each year
• The estimated rate for the average middle-age driver who chooses $500 deductibles is $976
• Selecting low deductibles for comprehensive and collision insurance will cost $1,138
• High risk drivers with serious driving violations could pay around $2,096 or more
• The price with full coverage for a teen driver can cost $3,926 a year

View Chart as Image

Insurance prices for a Volvo S80 are also quite variable based on the trim level and model year, your risk profile, and physical damage deductibles and liability limits.

More mature drivers with a clean driving record and high physical damage deductibles could pay as little as $900 per year on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they can expect to pay in the ballpark of $3,900 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are probably paying anywhere from $1,200 to $1,600 extra each year, depending on your age. Insurance for high-risk drivers can cost anywhere from 41% to 137% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could save up to $250 each year, whereas increasing liability limits will push prices upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $398 more per year. View Rates by Deductible or Liability Limit

The state you live in makes a big difference in Volvo S80 insurance rates. A 40-year-old driver could pay as low as $640 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,320 on average in Florida, New York, and Michigan.

View Chart as Image

Since prices can be so different, the only way to figure out who has the best car insurance prices is to do a rate comparison from as many companies as possible. Every company calculates prices differently, so the prices may be quite different 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 Affordable Volvo S80 Insurance

Getting lower rates on Volvo S80 insurance not only requires avoiding accidents and claims, but also having a good credit history, not filing small claims, and maximizing policy discounts. Take the time to compare rates at every other renewal by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The points below are a brief review of the concepts that were covered in the above illustrations.

• High-risk drivers with DUI or reckless driving convictions could be forced to pay on average $1,120 more per year to insure a Volvo S80
• Drivers under the age of 20 are expensive to insure, as much as $327 a month including comprehensive and collision insurance
• It is possible to save around $110 per year simply by quoting online in advance
• Increasing physical damage deductibles could save up to $250 each year
• It is possible to save around $110 per year simply by quoting online in advance