Volvo S80 Insurance Rates

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

Average premium for full coverage: $976

Premium estimates broken down by type of coverage:

Full coverage includes $500 policy deductibles, split liability limits of 30/60, and includes uninsured motorist 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 insurance. More rural locations are statistically proven to have lower incidents of physical damage claims than densely populated cities. The price range example below illustrates the difference between rural and urban areas on insurance prices.

These rate differences illustrate why anyone shopping for car insurance should get quotes for a targeted area, rather than relying on average rates.

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

Additional Rate Information

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

• The best discount rate is $595
• Choosing higher $1,000 deductibles can save approximately $86 each year
• The estimated price for a 40-year-old good driver who has $500 deductibles is $976
• Using more expensive 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 up to $2,096
• An auto insurance policy that insures a teen driver with full coverage can cost as much as $3,926 each year

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Auto 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 liability limits and deductibles.

If you have a few violations or you caused an accident, you are probably paying $1,200 to $1,600 in extra premium 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 a good driving record 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 have to pay at least $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.

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

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 More Affordable Volvo S80 Insurance

Finding better rates on Volvo S80 insurance takes avoiding accidents and claims, maintaining a good credit score, paying for small claims out-of-pocket, and consideration of higher deductibles. Compare prices at least once a year by requesting quotes from direct insurance companies, and also from local insurance agencies.

The points below are a summary of the primary concepts that were covered above.

• It is possible to save approximately $110 per year just by shopping early and online
• High-risk drivers who have multiple accidents or major violations may have to pay on average $1,120 more annually to insure a Volvo S80
• Increasing policy deductibles can save approximately $250 each year
• Drivers under the age of 20 are the costliest to insure, with premiums being up to $327 per month if the policy includes full coverage