Volvo S80 Insurance Rates

Estimated insurance rates for a Volvo S80 are $976 a year for full coverage insurance. Comprehensive insurance costs approximately $160, collision costs $216, and liability insurance is estimated at $442. A policy with only liability insurance costs approximately $496 a year, with a high-risk policy costing $2,096 or more. Teenage drivers pay the most at $3,926 a year or more.

Average premium for full coverage: $976

Premium estimates by type of coverage:

Prices are based on $500 policy deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all 50 states and for different S80 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a significant impact on the price of auto insurance. Rural locations are statistically proven to have lower incidents of physical damage claims than densely populated cities.

The price range example below illustrates how location impacts auto insurance prices.

These rate differences illustrate why anyone shopping for car insurance should get quotes using their specific location, rather than relying on average rates.

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

Rates by State, City, and Model

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

• The best discount rate is $595
• Choosing higher $1,000 deductibles can save $86 each year
• The estimated price for a 40-year-old good driver who chooses $500 deductibles is $976
• Using more expensive low deductibles for comp and collision coverage will cost an additional $162 a year
• High-risk insureds who are prone to accidents and violations could pay around $2,096 or more
• An auto insurance policy that insures a teen driver with full coverage can cost $3,926 each year

View Chart as Image

Car insurance prices for a Volvo S80 also have a wide range based on the model year and trim level, your age and driving record, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you are probably paying anywhere from $1,200 to $1,600 extra annually, depending on your age. High-risk driver insurance ranges anywhere from 41% to 137% more than a normal policy. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles could pay as little as $900 annually on average, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will be charged in the ballpark of $3,900 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Volvo S80 insurance rates. A good driver about age 40 could pay as low as $640 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,320 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles can save as much as $250 each year, while increasing your policy's liability limits will push prices upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $398 extra every 12 months. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to figure out who has the best car insurance prices is to compare prices from as many companies as possible. Each auto insurer uses a different method to calculate prices, so rate quotes will be substantially 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 Affordable Volvo S80 Insurance

Finding better rates on Volvo S80 insurance takes avoiding accidents and claims, having a positive credit history, paying for small claims out-of-pocket, and avoiding coverage lapses. Compare prices at least once a year by getting rate quotes from direct insurance companies, and also from your local car insurance providers.

The points below are a brief review of the primary concepts that were touched on above.

• It is possible to save around $110 per year simply by shopping early and online
• High-risk drivers with DUI or reckless driving convictions could be charged and average of $1,120 more per year to insure a Volvo S80
• Increasing policy deductibles can save approximately $250 each year
• Drivers under the age of 20 pay the highest auto insurance prices, with premiums being up to $327 per month if full coverage is purchased