Volvo S80 Insurance Rates

The average insurance prices for a Volvo S80 are $976 every 12 months including full coverage. Comprehensive insurance costs approximately $160 a year, collision insurance costs $216, and liability costs around $442. Buying just liability costs as low as $496 a year, and insurance for high-risk drivers 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 by type of insurance:

Price estimates include $500 deductibles, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and S80 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on car insurance prices. Rural locations are shown to have more infrequent comprehensive and collision claims than densely populated cities. The diagram below illustrates how geographic area affects auto insurance prices.

The examples above highlight why it is important to compare prices using their specific location and their own driving history, instead of making a decision based on average rates.

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

Additional Charts and Tables

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

• The best discount rate is $595
• Using higher $1,000 deductibles will save $890 every year
• The average price for a good driver age 40 who chooses $500 deductibles is $976
• Using low $100 deductibles for physical damage coverage costs an extra $162 annually
• High-risk insureds who are prone to accidents and violations could pay around $2,096
• Policy cost to insure a 16-year-old driver can cost $3,926 or more

View Chart as Image

Insurance rates for a Volvo S80 also range considerably based on liability limits and deductibles, your driving characteristics, and the model of your S80.

Using high physical damage deductibles could cut rates by as much as $250 annually, while buying higher liability limits will push rates upward. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $398 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles may pay as low as $900 a year, or $75 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect to pay in the ballpark of $3,900 a year. View Rates by Age

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

Your home state has a huge impact on Volvo S80 insurance prices. A driver around age 40 might see rates 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

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

Finding cheaper rates on insurance for a Volvo S80 requires not taking risks behind the wheel, having good credit, paying for small claims out-of-pocket, and possibly raising deductibles. Invest the time to compare rates at every policy renewal by requesting rates from direct car insurance companies, and also from your local car insurance providers.

The following is a condensed summary of the data presented in the illustrations above.

• Insureds who purchase higher liability limits will pay an extra $490 per year to increase from a 30/60 limit to a 250/500 level
• You may be able to save around $110 per year just by quoting early and online
• Increasing comprehensive and collision deductibles could save as much as $250 each year
• Teens are expensive to insure, with premiums being up to $327 each month if they have full coverage