Volvo S80 Insurance Rates

Estimated insurance prices for a Volvo S80 are $976 every 12 months with full coverage. Comprehensive costs an estimated $160, collision insurance costs $216, and liability is estimated at $442. Liability-only insurance costs approximately $496 a year, and high-risk driver insurance costs around $2,096. Teenage drivers pay the most at up to $3,926 a year.

Average premium for full coverage: $976

Premium estimates broken down by type of coverage:

Rate estimates include $500 policy deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Rates include averaging for all U.S. states and for all S80 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can make a big difference on car insurance rates. More rural locations are statistically proven to have more infrequent collision claims than densely populated cities. The example below illustrates how where you live affects insurance prices.

These rate differences demonstrate why everyone should get quotes for a targeted area and their own driving history, instead of making a decision based on average rates.

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

Additional Rate Details

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

• The best discount rate is $595
• Choosing higher $1,000 deductibles can save approximately $86 annually
• The average price for a 40-year-old good driver who has $500 deductibles is $976
• Using pricier low deductibles for comp and collision coverage increases the price to $1,138
• Higher-risk drivers who are prone to accidents and violations could pay up to $2,096
• An auto insurance policy to insure a 16-year-old driver for full coverage can cost as much as $3,926 each year

View Chart as Image

Insurance prices for a Volvo S80 also have a wide range based on physical damage deductibles and liability limits, your driving record, and the model year and trim level.

Using high physical damage deductibles can save as much as $250 annually, whereas buying more liability protection will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $398 more each year. View Rates by Deductible or Liability Limit

A more mature driver with no violations or accidents and higher deductibles may pay as low as $900 annually on average, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers should be prepared to pay at least $3,900 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you may be forking out $1,200 to $1,600 additional annually, depending on your age. Volvo S80 insurance for high-risk drivers ranges from 41% to 137% more than a normal policy. View High Risk Driver Rates

Where you choose to live 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.

View Chart as Image

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 Shop for the Best Volvo S80 Insurance

Finding better rates on insurance for a Volvo S80 takes avoiding accidents and claims, having above-average credit, being claim-free, and possibly raising deductibles. Take the time to comparison shop every time your policy renews by requesting quotes from direct companies, and also from your local independent and exclusive agents.

The points below are a brief recap of the information touched on in the above illustrations.

• You may be able to save approximately $110 per year just by quoting online well ahead of the renewal date
• Drivers under the age of 20 are expensive to insure, possibly costing $327 per month if full coverage is included
• Increasing policy deductibles could save as much as $250 each year
• Drivers considered higher risk who tend to receive serious violations may pay on average $1,120 more annually to insure a Volvo S80
• Insureds who want increased liability limits will pay an extra $490 every year to raise limits from 30/60 bodily injury limits to a 250/500 level