Volvo S80 Insurance Rates

Average insurance rates for a Volvo S80 are $976 a year including full coverage. Comprehensive insurance costs approximately $160 a year, collision costs $216, and liability insurance costs $442. Buying just liability costs as little as $496 a year, with insurance for high-risk drivers costing $2,096 or more. Teenage drivers receive the highest rates at $3,926 a year or more.

Average premium for full coverage: $976

Rate estimates by individual coverage type:

Includes $500 physical damage insurance deductibles, 30/60 liability coverage, and includes UM/UIM and medical coverage. Rates are averaged for all 50 U.S. states and S80 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location has a significant impact on car insurance prices. Rural locations tend to have lower incidents of comprehensive and collision claims than densely populated cities.

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

These examples highlight why it is important to compare rates using their specific location, rather than relying on average rates.

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

Rates by State, City, and Model

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

• The best discount rate is $595
• Drivers who choose higher $1,000 deductibles will pay $890 every year
• The estimated price for a 40-year-old driver who chooses $500 deductibles is $976
• Using low $100 deductibles for comprehensive and collision insurance will cost an additional $162 a year
• High risk drivers who are prone to accidents and violations could pay around $2,096 or more
• The cost that insures a teen driver can cost $3,926 a year

View Chart as Image

Auto insurance rates for a Volvo S80 can also vary considerably based on the trim level of your S80, your driving record and age, and physical damage deductibles and liability limits.

If you like to drive fast or you caused an accident, you are likely paying anywhere from $1,200 to $1,600 in extra premium per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 41% to 137% more than a normal policy. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles could pay as little as $900 per year on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will have to pay in the ballpark of $3,900 a year. View Rates by Age

Where you live makes a big difference in Volvo S80 insurance rates. A 40-year-old driver could pay as low as $750 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,390 on average in Louisiana, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could save up to $250 each year, while buying higher liability limits will push rates upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $398 extra every year. View Rates by Deductible or Liability Limit

With so much variability in rates, the best way to figure out who has the best auto insurance rates is to get quotes from as many companies as possible. Every company uses a different method to calculate rates, and quoted rates can be significantly 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 the Cheapest Volvo S80 Insurance

Saving money on Volvo S80 insurance not only requires being a low-risk driver, but also maintaining a good credit score, not filing small claims, and not having any coverage lapses. Compare prices every year by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local auto insurance providers.

The items below are a recap of the coverage data raised in the charts and tables above.

• You may be able to save around $110 per year simply by quoting early and online
• Increasing deductibles can save approximately $250 each year
• Teen drivers have the highest car insurance rates, as much as $327 per month if the policy includes full coverage
• High-risk drivers that have major violations or accidents will likely pay on average $1,120 more per year to insure their S80