Volvo S80 Insurance Rates

U.S. average insurance prices for a Volvo S80 are $976 every 12 months for full coverage. Comprehensive costs on average $160 a year, collision costs $216, and liability is $442. Liability-only insurance costs around $496 a year, with high-risk driver insurance 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 by individual coverage:

These estimates include $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all states and S80 trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can make a big difference on car insurance rates. Rural areas have more infrequent accident claims than densely populated cities.

The diagram below illustrates how location helps determine car insurance rates.

The ranges above show why it is important to compare rates quotes based on a specific location and their own driving history, instead of making a decision based on average rates.

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

Additional Rate Information

The chart below shows estimated Volvo S80 insurance rates for different risk profiles and scenarios.

• The best discount rate is $595
• Raising to $1,000 deductibles will save around $890 a year
• The average price for the average middle-age driver with $500 deductibles is $976
• Using low $100 deductibles increases the price to $1,138
• Drivers who are prone to accidents and violations could pay upwards of $2,096 or more
• The price to insure a 16-year-old driver may cost $3,926

View Chart as Image

Car insurance prices for a Volvo S80 are also quite variable based on deductibles and policy limits, your driver profile, and the trim level of your S80.

Using high physical damage deductibles can reduce prices by up to $250 annually, while buying higher liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $398 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles may pay as low as $900 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will be charged upwards of $3,900 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you could be paying at a minimum $1,200 to $1,600 extra each year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 41% to 137% more than a normal policy. View High Risk Driver Rates

The state you live in also has a big influence on Volvo S80 insurance prices. A middle-age driver might find prices as low as $640 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,390 on average in Michigan, Louisiana, and New York.

View Chart as Image

Since prices can be so different, the only way to know exactly what you will pay is to get quotes from multiple companies. Every auto insurance company uses a different method to calculate prices, so rate quotes 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 Shop for Cheap Volvo S80 Insurance

Getting lower rates on insurance for a Volvo S80 consists of being a safe and courteous driver, maintaining a good credit score, eliminating unnecessary coverage, and maximizing policy discounts. Invest time comparing rates every other policy renewal by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

Below is a brief summary of the ideas that were covered in the charts and tables above.

• Teenage drivers are expensive to insure, with premiums as much as $327 a month if the policy includes full coverage
• Drivers considered higher risk that tend to have accidents or serious violations pay an average of $1,120 more each year for auto insurance
• Increasing physical damage deductibles could save as much as $250 each year
• Drivers can save as much as $110 per year simply by quoting early and online