Volvo S80 Insurance Rates

U.S. average insurance rates for a Volvo S80 are $976 a year with full coverage. Comprehensive costs an estimated $160 each year, collision costs $216, and liability is $442. Liability-only coverage costs around $496 a year, with high-risk coverage costing around $2,096. Teens pay the highest rates at $3,926 a year or more.

Average premium for full coverage: $976

Price estimates broken down by individual coverage:

These estimates include $500 physical damage deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all U.S. states and S80 models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can have significant affects on car insurance rates. More rural locations have lower incidents of collision claims than cities with more traffic congestion.

The graphic below illustrates how rural and urban location affects insurance prices.

The ranges above demonstrate why all drivers should compare rates quotes for a targeted area, instead of using averaged prices.

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

Additional Rate Analysis

The chart below details estimated Volvo S80 insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $595
• Raising to $1,000 deductibles will save approximately $86 annually
• The estimated price for the average middle-age driver who has $500 deductibles is $976
• Selecting low deductibles bumps up the cost to $1,138
• At-risk drivers with serious driving violations could pay up to $2,096 or more
• The price that insures a teen driver can cost as much as $3,926

View Chart as Image

Auto insurance prices for a Volvo S80 are also quite variable based on the trim level and model year, your age and driving habits, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you may be forking out $1,200 to $1,600 in extra premium each year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 41% to 137% more than the average policy. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles may pay as little as $900 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will have to pay at least $3,900 a year. View Rates by Age

The state you live in also has a big influence on Volvo S80 insurance prices. A middle-age driver might find prices as low as $700 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,320 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $250 every year, whereas increasing liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $398 extra every year. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to find out which car insurance is cheapest is to do a rate comparison and see which company has the best price. Every auto insurance company calculates prices differently, and quoted prices may be quite different.

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

Getting lower rates on car insurance consists of being a safe and courteous driver, maintaining a good credit score, avoid buying unnecessary coverage, and qualifying for all possible discounts. Compare rates at every policy renewal by obtaining price quotes from direct companies, and also from insurance agencies where you live.

Below is a brief summary of the data raised in the charts and tables above.

• Policyholders who want higher levels of liability will pay approximately $490 every year to raise from a low limit to the 250/500 level
• You may be able to save approximately $110 per year simply by quoting online in advance
• Increasing physical damage deductibles can save approximately $250 each year
• Teenage drivers are the costliest to insure, costing up to $327 a month if the policy includes full coverage