Volvo S80 Insurance Rates

The average insurance rates for a Volvo S80 are $976 a year for full coverage. Comprehensive insurance costs an estimated $160 a year, collision insurance costs $216, and liability costs $442. Liability-only coverage costs as little as $496 a year, and high-risk coverage costs $2,096 or more. Teenage drivers cost the most to insure at up to $3,926 a year.

Average premium for full coverage: $976

Policy rates broken down by type of insurance:

Price estimates include $500 policy deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and S80 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on insurance rates. More rural locations are shown to have lower incidents of accident claims than densely populated cities. The diagram below illustrates how location helps determine insurance prices.

The examples above show why it is important to compare rates for a targeted area, 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 shows average Volvo S80 insurance rates for other coverage scenarios.

• The best discount rate is $595
• Drivers who choose higher $1,000 deductibles will pay approximately $890 a year
• The estimated price for a good driver age 40 who has $500 deductibles is $976
• Using low $100 deductibles for comprehensive and collision insurance will cost an additional $162 annually
• Drivers who are prone to accidents and violations could pay up to $2,096
• Policy cost that insures a 16-year-old driver can cost as much as $3,926 a year

View Chart as Image

Insurance rates for a Volvo S80 also range considerably based on the trim level of your S80, how you drive, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you could be paying $1,200 to $1,600 additional every year, depending on your age. A high-risk auto insurance policy can cost from 41% to 137% more than a normal policy. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $900 per year on average, or $75 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay at least $3,900 a year. View Rates by Age

Your home state makes a big difference in Volvo S80 insurance prices. A 40-year-old driver could pay as low as $640 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,390 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles could save up to $250 annually, while buying higher liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $398 more each year. View Rates by Deductible or Liability Limit

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 Cheaper Volvo S80 Insurance

Finding cheaper rates on insurance for a Volvo S80 not only requires being a good driver, but also having a good credit score, avoid buying unnecessary coverage, and possibly raising deductibles. Compare prices at every policy renewal by requesting rates from direct carriers, and also from your local independent and exclusive agents.

The following list is a condensed summary of the data covered in the charts and tables above.

• Insureds who want an increased level of liability coverage will pay an extra $490 each year to go from a 30/60 limit to the 250/500 level
• Drivers can save approximately $110 per year just by quoting early and online
• Increasing comprehensive and collision deductibles can save approximately $250 each year
• Drivers age 16 to 20 are expensive to insure, costing up to $327 each month if comprehensive and collision insurance is included