Volvo S80 Insurance Rates

The average insurance rates for a Volvo S80 are $976 a year with full coverage. Comprehensive insurance costs on average $160 a year, collision insurance costs $216, and liability costs around $442. Liability-only coverage costs as low as $496 a year, and high-risk coverage costs $2,096 or more. 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:

Price estimates include $500 deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all U.S. states and S80 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on auto insurance rates. Rural areas are shown to have a lower frequency of collision claims than densely populated cities. The diagram below illustrates how your location can change car insurance rates.

The examples above demonstrate why it is important to compare prices based on a specific location and risk profile, instead of making a decision based on average rates.

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

More Rate Information

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

• The best discount rate is $595
• Using higher $1,000 deductibles will save around $890 annually
• The average rate for a good driver age 40 with $500 deductibles is $976
• Using low $100 deductibles for physical damage coverage will cost an extra $162 annually
• High-risk insureds who are prone to accidents and violations could pay upwards of $2,096
• Policy cost for full coverage for a 16-year-old driver may cost $3,926 or more

View Chart as Image

Insurance rates for a Volvo S80 also range considerably based on your risk profile, the trim level and model year, and policy deductibles and limits.

Older drivers with no violations or accidents and high deductibles may pay as low as $900 a year, or $75 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay upwards of $3,900 a year. View Rates by Age

Your home state has a huge impact on Volvo S80 insurance prices. A driver around age 40 might see rates 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 could cut rates by as much as $250 annually, while buying higher liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $398 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out at a minimum $1,200 to $1,600 additional every year, depending on your age. A high-risk auto insurance policy can be from 41% to 137% more than a normal policy. View High Risk Driver Rates

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 Cheaper Volvo S80 Insurance

Finding cheaper rates on insurance for a Volvo S80 requires not taking risks behind the wheel, having a good credit history, not filing small claims, and dropping full coverage on older vehicles. Invest the time to shop around at least once a year by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from local insurance agents.

The following is a condensed summary of the primary concepts that were illustrated above.

• You may be able to save as much as $110 per year just by quoting early and online
• Drivers considered higher risk with multiple at-fault accidents may be required to pay an average of $1,120 more each year for S80 insurance
• Increasing comprehensive and collision deductibles can save around $250 each year
• Teens pay higher rates, as much as $327 each month including comprehensive and collision insurance