Volvo S80 Insurance Rates

The average auto insurance rates for a Volvo S80 are $976 annually for full coverage. Comprehensive costs approximately $160, collision insurance costs $216, and liability insurance is $442. A liability-only policy costs around $496 a year, and high-risk insurance costs around $2,096. Teens cost the most to insure at up to $3,926 a year.

Average premium for full coverage: $976

Policy rates by type of insurance:

These estimates include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all states and for all S80 models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on car insurance rates. Rural locations are shown to have fewer accident claims than cities with more traffic congestion. The example below illustrates the difference between rural and urban areas on auto insurance prices.

The examples above show why everyone should compare rates quotes using their specific location and their own personal driving habits, rather than relying on averaged prices.

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

Additional Rate Information

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

• The cheapest rate after discounts is $595
• Raising to $1,000 deductibles will save $86 a year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $976
• Selecting pricier low deductibles will cost $1,138
• Higher-risk drivers with serious driving violations could pay around $2,096
• Policy cost with full coverage for a teen driver for full coverage can cost $3,926

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Car insurance rates for a Volvo S80 also range considerably based on the model year and trim level, your driver profile, and physical damage deductibles and liability limits.

A more mature driver with no driving violations and high physical damage deductibles could pay as little as $900 every 12 months on average, or $75 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will be charged 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 could be paying anywhere from $1,200 to $1,600 extra every year, depending on your age. Volvo S80 insurance for high-risk drivers is expensive and can cost anywhere from 41% to 137% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $250 each year, whereas buying more liability protection will push rates upward. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $398 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Volvo S80 insurance rates. A middle-age driver might find rates as low as $640 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,390 on average in New York, Louisiana, and Michigan.

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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 Cheap Volvo S80 Insurance

Finding cheaper rates on Volvo S80 insurance consists of being a low-risk driver, having a good credit score, avoid buying unnecessary coverage, and attention to physical damage deductibles. Set aside time to compare rates every time your policy renews by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The items below are a brief summary of the information covered above.

• Drivers can save around $110 per year just by quoting online well ahead of the renewal date
• Teen drivers pay the highest auto insurance rates, costing up to $327 each month if comprehensive and collision insurance is included
• Increasing comprehensive and collision deductibles could save up to $250 each year
• High-risk drivers that tend to have accidents or serious violations pay on average $1,120 more per year to insure their S80
• Drivers who purchase more liability coverage will pay approximately $490 each year to raise from a 30/60 limit to higher 250/500 limits