Volvo S80 Insurance Rates

The average auto insurance rates for a Volvo S80 are $976 annually including full coverage. Comprehensive costs approximately $160, collision insurance costs $216, and liability insurance costs $442. Liability-only coverage costs as little as $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 by type of insurance:

Rates are based on $500 policy deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all 50 U.S. states and for different S80 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on car insurance prices. 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 auto insurance prices.

The examples above highlight why anyone shopping for car insurance should compare rates using their specific location and their own personal driving habits, rather than relying on average rates.

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

Rates by State, City, and Model

The chart below breaks down average Volvo S80 insurance rates for additional coverage and risk scenarios.

• The best discount rate is $595
• Drivers who choose higher $1,000 deductibles will pay $86 every year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $976
• Using more expensive low deductibles for comprehensive and collision insurance will cost $1,138
• High risk drivers who are prone to accidents and violations could pay around $2,096
• Policy cost with full coverage for a teen driver with full coverage can cost $3,926 a year

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

An older driver with no violations or accidents and high physical damage deductibles could pay as little as $900 per year 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 in the ballpark of $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 anywhere from $1,200 to $1,600 additional every year, depending on your age. High-risk driver insurance can cost anywhere from 41% to 137% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $250 each year, while increasing your policy's liability limits will push rates upward. 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 makes a big difference in Volvo S80 insurance rates. A 40-year-old driver could pay 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.

View Chart as Image

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 the Best Cheap Volvo S80 Insurance

Finding cheaper rates on Volvo S80 insurance not only requires being a good driver, but also having good credit, paying for small claims out-of-pocket, and consideration of higher deductibles. Make time to compare rates every couple of years by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

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

• Drivers who purchase an increased level of liability coverage will pay an extra $490 per year to go from a 30/60 limit to higher 250/500 limits
• Drivers age 16 to 20 are the costliest to insure, with premiums being up to $327 each month if they have full coverage
• High-risk drivers with a DUI or reckless driving violation may have to pay on average $1,120 more per year than a safer driver
• Increasing comprehensive and collision deductibles could save up to $250 each year