Volvo S80 Insurance Rates

U.S. average insurance prices for a Volvo S80 are $976 every 12 months for full coverage insurance. Comprehensive insurance costs an estimated $160 a year, collision insurance costs $216, and liability coverage 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 pay the highest rates at up to $3,926 a year.

Average premium for full coverage: $976

Price estimates broken down by individual coverage:

Price estimates include $500 policy deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 states and S80 trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a large influence on the price of insurance. More rural locations have more infrequent physical damage claims than densely populated cities. The diagram below illustrates how your location can change insurance prices.

The ranges above illustrate why it is important to compare rates quotes for a targeted area and their own driving history, rather than using average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $595
• Raising to $1,000 deductibles will save approximately $890 each year
• The average price for the average middle-age driver who has $500 deductibles is $976
• Using low $100 deductibles costs an extra $162 each year
• Unlucky drivers who are prone to accidents and violations could pay up to $2,096
• The price to insure a teenage driver can cost as much as $3,926

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Insurance prices for a Volvo S80 are also quite variable based on deductibles and policy limits, your risk profile, and the model year and trim level.

Using high physical damage deductibles can reduce prices by up to $250 a year, while buying higher liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $398 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles may only pay around $900 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers can expect to pay at least $3,900 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are probably paying $1,200 to $1,600 extra each year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 41% to 137% more than a normal policy. View High Risk Driver Rates

The state you live in also has a big influence on Volvo S80 insurance rates. A middle-age driver might find prices as low as $640 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,320 on average in Florida, New York, and Michigan.

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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 Cheaper Volvo S80 Insurance

Getting lower rates on auto insurance consists of being a good driver, having good credit, not filing small claims, and deciding if full coverage is necessary. Invest the time to shop around every couple of years by quoting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The following list is a condensed summary of the material that was illustrated above.

• Consumers who want an increased level of liability coverage will pay an extra $490 annually to raise from a low limit to a 250/500 level
• Drivers age 16 to 20 are charged the highest prices, as much as $327 a month if they have full coverage
• Drivers with multiple at-fault accidents could be forced to pay on average $1,120 more annually than a safer driver
• Increasing physical damage deductibles could save as much as $250 each year