Volvo S80 Insurance Rates

The average auto insurance rates for a Volvo S80 are $976 annually for full coverage. Comprehensive costs on average $160, collision costs $216, and liability costs around $442. Liability-only coverage costs as low as $496 a year, with high-risk coverage costing around $2,096. Teens cost the most to insure at $3,926 a year or more.

Average premium for full coverage: $976

Policy rates by type of insurance:

Prices are based on $500 policy deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all states and for different S80 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on car insurance rates. Rural areas are shown to have fewer accident claims than cities with more traffic congestion.

The price range example below illustrates the difference location can make on car insurance rates.

The examples above show why anyone shopping for car insurance should compare prices based on a specific location and their own personal driving habits, instead of making a decision based on averaged prices.

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

Additional Rate Information

The chart below shows estimated Volvo S80 insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $595
• Using higher $1,000 deductibles will save around $86 a year
• The estimated rate for a good driver age 40 with $500 deductibles is $976
• Selecting more expensive low deductibles for physical damage coverage will cost $1,138
• High-risk insureds with serious driving violations could pay upwards of $2,096 or more
• Policy cost with full coverage for a 16-year-old driver with full coverage may cost $3,926 or more

View Chart as Image

Insurance rates for a Volvo S80 also range considerably based on the model year and trim level, your driver profile, and policy deductibles and limits.

An older driver with no violations or accidents and high physical damage deductibles may pay as low as $900 a year, or $75 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared to pay upwards of $3,900 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying at a minimum $1,200 to $1,600 additional every year, depending on your age. High-risk driver insurance can be from 41% to 137% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $250 annually, while increasing your policy's liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $398 more each year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Volvo S80 insurance prices. A driver around age 40 might see rates as low as $640 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,390 on average in Michigan, Louisiana, and New York.

View Chart as Image

Because rates have so much variability, the only way to know exactly what you will pay is to compare rates from multiple companies. Each insurance company calculates rates differently, and rates will be varied between companies.

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 Buy Affordable Volvo S80 Insurance

Finding cheaper rates on insurance for a Volvo S80 requires being safe and accident-free, having good credit, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Make time to compare rates every other policy renewal by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from local insurance agents.

Below you'll find a brief review of the ideas that were touched on in this article.

• Youthful drivers pay higher rates, costing up to $327 each month if they have full coverage
• Drivers considered higher risk with DUI or reckless driving convictions may be required to pay an average of $1,120 more each year than a low-risk driver
• Increasing comprehensive and collision deductibles could save up to $250 each year
• Drivers can save as much as $110 per year simply by shopping early and online