Volvo S80 Insurance Rates

Average insurance rates for a Volvo S80 are $976 a year including full coverage. Comprehensive insurance costs an estimated $160 a year, collision insurance costs $216, and liability is $442. A policy with just liability insurance costs around $496 a year, and coverage for high-risk drivers costs $2,096 or more. Teenage drivers receive the highest rates at up to $3,926 a year.

Average premium for full coverage: $976

Rate estimates broken down by individual coverage type:

These estimates include $500 physical damage insurance deductibles, 30/60 liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 U.S. states and S80 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can have significant affects on the price of auto insurance. More rural locations tend to have lower incidents of comprehensive and collision claims than densely populated cities. The diagram below illustrates the difference location can make on insurance prices.

These examples highlight why it is important to compare rates quotes for a targeted area, instead of using average rates.

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

Additional Rate Information

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

• The best discount rate is $595
• Raising to $1,000 deductibles will save approximately $890 every year
• The estimated price for a 40-year-old driver who has $500 deductibles is $976
• Using low $100 deductibles will cost an additional $162 every year
• At-risk drivers who are prone to accidents and violations could pay up to $2,096
• The cost that insures a teen driver can cost as much as $3,926

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Insurance rates for a Volvo S80 can also vary considerably based on the trim level of your S80, your driving record and age, and liability limits and deductibles.

If you like to drive fast or you caused an accident, you are likely paying $1,200 to $1,600 additional per year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 41% to 137% more than a normal policy. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $900 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records should be prepared to pay at least $3,900 a year. View Rates by Age

Where you live also has a big influence on Volvo S80 insurance prices. A middle-age driver might find rates 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.

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Using high physical damage deductibles can reduce rates by up to $250 every year, while buying higher liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $398 more each 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 Cheap Volvo S80 Insurance

Saving money on car insurance consists of being a low-risk driver, having a good credit score, not filing small claims, and possibly raising deductibles. Compare prices at every policy renewal by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.

The items below are a brief summary of the data touched on in this article.

• Policyholders who want more liability coverage will pay an extra $490 per year to raise from a minimum limit to the 250/500 level
• You may be able to save approximately $110 per year just by quoting early and online
• Increasing deductibles can save approximately $250 each year
• Teen drivers are expensive to insure, as much as $327 per month if comprehensive and collision insurance is included