Volvo S80 Insurance Rates

The average auto insurance rates for a Volvo S80 are $976 annually with full coverage. Comprehensive costs approximately $160, collision costs $216, and liability is estimated at $442. Liability-only insurance costs approximately $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, 30/60 liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all U.S. states and for different S80 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on the price of insurance. Rural locations are shown to have fewer collision claims than densely populated cities.

The price range example below illustrates how location helps determine auto insurance prices.

The examples above demonstrate why anyone shopping for car insurance should get quotes using their specific location and their own personal driving habits, instead of making a decision based on average rates.

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

Rate Comparisons

The chart below details estimated Volvo S80 insurance rates for additional coverage and risk scenarios.

• The best discount rate is $595
• Choosing higher $1,000 deductibles can save $86 annually
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $976
• Using more expensive low deductibles for comp and collision coverage will cost $1,138
• Higher-risk drivers who are prone to accidents and violations could pay around $2,096 or more
• Policy cost with full coverage for a 16-year-old driver with full coverage can cost $3,926 each year

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

An older driver with a good driving record and high physical damage deductibles may pay as low as $900 annually on average, or $75 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will have 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 may be forking out anywhere from $1,200 to $1,600 in extra premium every year, depending on your age. High-risk driver insurance ranges from 41% to 137% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $250 annually, while increasing your policy's liability limits will push rates upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $398 extra every year. View Rates by Deductible or Liability Limit

Your home state plays a big part in determining prices for Volvo S80 insurance prices. A good driver about age 40 could pay as low as $700 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,320 on average in New York, Michigan, and Florida.

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Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to compare rates from multiple companies. Each auto insurer uses a different method to calculate rates, and quoted rates will be varied between companies.

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 Affordable Volvo S80 Insurance

Finding cheaper rates on insurance for a Volvo S80 takes avoiding accidents and violations, having above-average credit, not filing small claims, and not having any coverage lapses. Invest time comparing rates at every policy renewal by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The list below is a brief review of the data covered in the charts and tables above.

• Insureds who purchase higher liability limits will pay an extra $490 every year to raise limits from a 30/60 limit to higher 250/500 limits
• You may be able to save around $110 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles could save up to $250 each year
• Teenagers have the highest car insurance rates, as much as $327 each month if full coverage is included