Volvo S80 Insurance Rates

The average insurance rates for a Volvo S80 are $976 a year including full coverage. Comprehensive costs on average $160 each year, collision costs $216, and liability costs $442. Liability-only insurance costs as little as $496 a year, with high-risk driver insurance costing around $2,096. Teenage drivers cost the most to insure at $3,926 a year or more.

Average premium for full coverage: $976

Policy rates by type of insurance:

Prices are based on $500 comprehensive and collision deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 U.S. states and S80 models.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on car insurance rates. Rural areas are shown to have lower incidents of comprehensive and collision claims than densely populated cities.

The graphic below illustrates how your location can change car insurance rates.

The examples above highlight why all drivers should compare rates based on a specific location, instead of using average rates.

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

Additional Rate Details

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

• The best discount rate is $595
• Drivers who choose higher $1,000 deductibles will pay around $86 every year
• The estimated price for a good driver age 40 with $500 deductibles is $976
• Using low deductibles for comprehensive and collision insurance bumps up the cost to $1,138
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,096 or more
• Policy cost that insures a teen driver may cost $3,926 a year

View Chart as Image

Auto insurance rates for a Volvo S80 also range considerably based on the trim level and model year, your driving record and age, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you are likely paying at a minimum $1,200 to $1,600 in extra premium every year, depending on your age. Insurance for high-risk drivers can cost as much as 41% to 137% more than a normal policy. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles may pay as little as $900 per year on average, or $75 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will have to pay upwards of $3,900 a year. View Rates by Age

Your home state makes a big difference in Volvo S80 insurance prices. A 40-year-old driver could pay as low as $750 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,390 on average in Michigan, New York, and Louisiana.

View Chart as Image

Using high physical damage deductibles could save up to $250 every year, whereas increasing liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $398 extra every year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to figure out exactly what you will pay is to do a rate comparison and see which company has the best rate. Every company uses a different method to calculate rates, and quoted rates will be varied.

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 cheaper rates on car insurance not only requires avoiding accidents and violations, but also maintaining a good credit score, paying for small claims out-of-pocket, and taking advantage of discounts. Compare prices once a year by requesting rates from direct car insurance companies, and also from insurance agencies where you live.

The list below is a brief review of the data that was illustrated above.

• You may be able to save as much as $110 per year simply by quoting online in advance
• Policyholders who require higher liability limits will pay an extra $490 per year to go from a 30/60 limit to the 250/500 level
• Teenagers are charged the highest rates, with premiums being up to $327 each month if the policy includes full coverage
• Higher risk drivers with DUI or reckless driving convictions could be forced to pay on average $1,120 more each year for car insurance