Volvo S80 Insurance Rates

U.S. average insurance rates for a Volvo S80 are $976 a year with full coverage. Comprehensive costs on average $160, collision costs $216, and liability insurance is estimated at $442. Liability-only coverage costs approximately $496 a year, with high-risk coverage 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:

Prices are based on $500 physical damage deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all U.S. states and for all S80 models.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a significant impact on auto insurance rates. Rural areas have lower incidents of collision claims than densely populated cities.

The example below illustrates the difference between rural and urban areas on car insurance rates.

The ranges above demonstrate why everyone should get quotes based on a specific location, rather than relying on average rates.

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

Additional Rate Analysis

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

• The best discount rate is $595
• Choosing higher $1,000 deductibles can save around $86 annually
• The estimated price for the average middle-age driver with $500 deductibles is $976
• Using pricier low deductibles for comp and collision coverage bumps up the cost to $1,138
• High-risk insureds who are prone to accidents and violations could pay upwards of $2,096 or more
• The price that insures a teen driver for full coverage may cost $3,926 each year

View Chart as Image

Auto insurance prices for a Volvo S80 are also quite variable based on the model of your S80, your age and driving habits, and policy deductibles and limits.

If you have some driving violations or you caused an accident, you may be forking out at a minimum $1,200 to $1,600 in extra premium each year, depending on your age. Volvo S80 insurance for high-risk drivers ranges anywhere from 41% to 137% more than a normal policy. View High Risk Driver Rates

A more mature driver with a good driving record and higher comprehensive and collision deductibles could pay as little as $900 annually on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will have to pay upwards of $3,900 a year. View Rates by Age

The state you live in plays a big part in determining prices for Volvo S80 insurance rates. A good driver about age 40 could pay as low as $700 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,320 on average in Florida, Michigan, and New York.

View Chart as Image

Using high physical damage deductibles can save as much as $250 each year, whereas buying more liability protection will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $398 extra every year. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to find out exactly what you will pay is to regularly compare prices from as many companies as possible. Each auto insurer uses a different method to calculate prices, and quoted prices 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 Find Affordable Volvo S80 Insurance

Getting lower rates on Volvo S80 insurance takes being a safe and courteous driver, maintaining a good credit score, avoid buying unnecessary coverage, and taking advantage of discounts. Compare prices at least once a year by obtaining price quotes from direct companies, and also from several local insurance agents.

Below is a brief review of the primary concepts that were covered above.

• You may be able to save as much as $110 per year simply by quoting online well ahead of the renewal date
• High-risk drivers with DUI or reckless driving convictions pay on average $1,120 more each year for auto insurance
• Increasing physical damage deductibles can save approximately $250 each year
• Teenage drivers are charged the highest prices, costing up to $327 a month if the policy includes full coverage