Volvo S80 Insurance Rates

The average auto insurance rates for a Volvo S80 are $976 annually including full coverage. Comprehensive costs an estimated $160, 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 broken down by type of insurance:

Full coverage includes $500 policy deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 U.S. states and for different S80 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on the price of auto insurance. More rural locations are shown to have fewer comprehensive and collision claims than densely populated cities. The price range example below illustrates the difference location can make on insurance prices.

The examples above highlight why anyone shopping for car insurance should compare rates quotes for a targeted area and their own personal driving habits, instead of making a decision based on average rates.

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

Additional Rate Details

The chart below breaks down average Volvo S80 insurance rates for other coverage scenarios.

• The best discount rate is $595
• Raising to $1,000 deductibles will save approximately $86 every year
• The estimated rate for a good driver age 40 who has $500 deductibles is $976
• Using more expensive low deductibles will cost $1,138
• Drivers who are prone to accidents and violations could pay up to $2,096
• Policy cost with full coverage for a 16-year-old driver with full coverage can cost as much as $3,926

View Chart as Image

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

An older driver with no violations or accidents and high physical damage deductibles may pay as low as $900 every 12 months on average, or $75 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared to pay at least $3,900 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying $1,200 to $1,600 additional every year, depending on your age. High-risk driver insurance is expensive and can cost from 41% to 137% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce rates by up to $250 annually, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $398 more each year. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Volvo S80 insurance prices. A middle-age driver might find rates as low as $750 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,390 on average in Louisiana, New York, and Michigan.

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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 More Affordable Volvo S80 Insurance

Finding cheaper rates on insurance for a Volvo S80 consists of being a good driver, having good credit, paying for small claims out-of-pocket, and possibly raising deductibles. Make time to compare rates every couple of years by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The following list is a summary of the material that was touched on in this article.

• Insureds who want an increased level of liability coverage will pay an extra $490 per year to raise from a 30/60 limit to higher 250/500 limits
• Drivers age 16 to 20 are expensive to insure, with premiums being up to $327 each month if they have full coverage
• Drivers considered higher risk who have multiple accidents or major violations could be forced to pay on average $1,120 more annually than a safer driver
• Increasing comprehensive and collision deductibles could save up to $250 each year