Volvo S80 Insurance Rates

U.S. average insurance rates for a Volvo S80 are $976 a year for full coverage insurance. Comprehensive insurance costs an estimated $160 a year, collision costs $216, and liability insurance costs $442. Liability-only insurance costs as little as $496 a year, with high-risk driver insurance costing $2,096 or more. 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:

Full coverage includes $500 policy deductibles, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 states and S80 trim levels.

Price Range from Low to High

Geographic Price Range

Your location has a significant impact on the price of insurance. More rural locations have a lower frequency of physical damage claims than cities with more traffic congestion.

The diagram below illustrates the effect of geographic area on insurance prices.

The ranges above illustrate why it is important to compare rates for a targeted area and risk profile, rather than relying on averaged prices.

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

Additional Charts and Tables

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

• The cheapest rate after discounts is $595
• Drivers who choose higher $1,000 deductibles will pay approximately $890 each year
• The average rate for the average middle-age driver who has $500 deductibles is $976
• Selecting low $100 deductibles for comprehensive and collision insurance will cost an extra $162 a year
• High risk drivers with serious driving violations could pay up to $2,096 or more
• The price for full coverage for a teen driver can cost as much as $3,926 a year

View Chart as Image

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

Older drivers with no driving violations and high deductibles could pay as little as $900 per year on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will be charged at least $3,900 a year. View Rates by Age

The state you live in makes a big difference in Volvo S80 insurance rates. A 40-year-old driver could pay as low as $640 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,320 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $250 each year, while buying higher liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $398 extra every 12 months. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying $1,200 to $1,600 extra each year, depending on your age. A high-risk auto insurance policy can cost anywhere from 41% to 137% more than the average policy. View High Risk Driver Rates

Since prices can be so different, the only way to figure out which car insurance is cheapest is to get quotes from as many companies as possible. Every company calculates prices differently, so rate quotes may be quite different from one company to the next.

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 More Affordable Volvo S80 Insurance

Getting lower rates on Volvo S80 insurance not only requires being safe and accident-free, but also having above-average credit, not filing small claims, and not having any coverage lapses. Take the time to compare rates at every policy renewal by obtaining price quotes from direct insurance companies like Progressive and GEICO, and also from several local insurance agents.

Below you'll find a summary of the data covered in the above illustrations.

• Drivers who want more liability protection will pay approximately $490 annually to go from a low limit to 250/500 limits
• It is possible to save approximately $110 per year simply by quoting early and online
• Increasing physical damage deductibles can save around $250 each year
• Youthful drivers have the highest car insurance prices, as much as $327 a month if full coverage is included