Volvo S80 Insurance Rates

U.S. average auto insurance rates for a Volvo S80 are $976 annually including full coverage. Comprehensive insurance costs approximately $160, collision costs $216, and liability costs around $442. Buying just liability costs as low as $496 a year, with insurance for high-risk drivers costing $2,096 or more. Teen drivers pay the highest rates at $3,926 a year or more.

Average premium for full coverage: $976

Price estimates by individual coverage:

Includes $500 policy deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and for different S80 trim levels.

Price Range from Low to High

Geographic Price Range

Where you live can have significant affects on car insurance prices. Rural locations have fewer comprehensive and collision claims than larger metro areas.

The price range example below illustrates the effect of geographic area on auto insurance prices.

The ranges above highlight why anyone shopping for car insurance should compare prices using their specific location and their own personal driving habits, instead of using price averages.

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

Rate Comparisons

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

• The lowest rate with discounts is $595
• Using higher $1,000 deductibles will save $86 every year
• The estimated rate for the average middle-age driver who chooses $500 deductibles is $976
• Choosing more expensive low deductibles for physical damage coverage costs an additional $162 every year
• Drivers with multiple violations and an at-fault accident could pay around $2,096 or more
• The price with full coverage for a teen driver with full coverage can cost $3,926 or more

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Insurance prices for a Volvo S80 are also quite variable based on the trim level and model year, your driving characteristics, and physical damage deductibles and liability limits.

An older driver with no violations or accidents and high physical damage deductibles may pay as little as $900 a year for full coverage. Prices are highest for teenage drivers, 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 some driving violations or you caused a few accidents, you are likely paying anywhere from $1,200 to $1,600 additional each year, depending on your age. High-risk driver insurance can be as much as 41% to 137% more than average. View High Risk Driver Rates

Choosing high deductibles could cut prices by as much as $250 every year, while increasing your policy's liability limits will push prices upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $398 more each year. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Volvo S80 insurance prices. A driver around age 40 might see prices as low as $750 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,390 on average in Louisiana, New York, and Michigan.

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Since prices can be so different, the best way to figure out who has the best auto insurance prices is to compare prices and see which company has the best price. Each insurance company uses a different rate calculation, and prices may be quite different 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 the Cheapest Volvo S80 Insurance

Getting lower rates on car insurance requires avoiding accidents and claims, having good credit, being claim-free, and qualifying for all possible discounts. Take the time to compare rates at every policy renewal by requesting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.

The points below are a recap of the data covered in the above illustrations.

• Policyholders who purchase increased liability limits will pay about $490 per year to increase from a low limit to higher 250/500 limits
• You may be able to save around $110 per year simply by shopping early and online
• Increasing physical damage deductibles could save up to $250 each year
• Drivers under the age of 20 are the costliest to insure, possibly costing $327 a month if they have full coverage