Volvo S80 Insurance Rates

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

Average premium for full coverage: $976

Policy rates by type of insurance:

Full coverage includes $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and S80 models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on the price of insurance. Rural locations are shown to have lower incidents of collision claims than densely populated cities. The graphic below illustrates how geographic area affects auto insurance prices.

The examples above demonstrate why all drivers should compare rates quotes using their specific location, instead of using average rates.

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

Additional Rate Analysis

The chart below details average Volvo S80 insurance rates for additional coverage and risk scenarios.

• The best discount rate is $595
• Raising to $1,000 deductibles will save $86 annually
• The estimated price for a good driver age 40 who chooses $500 deductibles is $976
• Using low deductibles bumps up the cost to $1,138
• At-risk drivers who are prone to accidents and violations could pay around $2,096
• Policy cost that insures a teen driver can cost $3,926

View Chart as Image

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

If you have a few points on your driving record or you caused an accident, you may be forking out anywhere from $1,200 to $1,600 additional every year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 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 little as $900 every 12 months on average, 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 in the ballpark of $3,900 a year. View Rates by Age

Your home state also has a big influence on Volvo S80 insurance prices. A middle-age driver might find rates as low as $700 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,320 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $250 every year, whereas increasing liability limits will push rates upward. Moving 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 More Affordable Volvo S80 Insurance

Finding cheaper rates on car insurance consists of being a low-risk driver, having a good credit score, not filing small claims, and consideration of higher deductibles. Compare prices every time your policy renews by obtaining price quotes from direct companies, and also from local insurance agencies.

The items below are a summary of the information presented in the illustrations above.

• You may be able to save around $110 per year just by quoting online in advance
• Teen drivers are the costliest to insure, as much as $327 each month if comprehensive and collision insurance is included
• Increasing comprehensive and collision deductibles can save approximately $250 each year
• Higher risk drivers who have multiple accidents or major violations may have to pay on average $1,120 more per year to insure their S80
• Policyholders who purchase more liability coverage will pay an extra $490 every year to raise from a 30/60 limit to the 250/500 level