Volvo S80 Insurance Rates

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

Average premium for full coverage: $976

Rate estimates broken down by individual coverage type:

Rates are based on $500 comprehensive and collision deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 U.S. states and for different S80 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a significant impact on the price of auto insurance. More rural locations tend to have lower incidents of comprehensive and collision claims than cities with more traffic congestion.

The price range example below illustrates how location helps determine insurance prices.

These examples highlight why anyone shopping for car insurance should get quotes for a targeted area, rather than relying on averaged prices.

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

Additional Rate Details

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

• The cheapest rate after discounts is $595
• Choosing higher $1,000 deductibles can save approximately $86 every year
• The estimated price for a 40-year-old driver who has $500 deductibles is $976
• Selecting more expensive low deductibles for comp and collision coverage will cost an additional $162 a year
• High-risk insureds with serious driving violations could pay up to $2,096 or more
• The cost that insures a teen driver with full coverage can cost as much as $3,926 each year

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Insurance rates for a Volvo S80 can also vary considerably based on the model year and trim level, your driving record and age, and liability limits and deductibles.

If you like to drive fast or you caused an accident, you are likely paying $1,200 to $1,600 additional per year, depending on your age. High-risk driver insurance ranges anywhere from 41% to 137% more than the average policy. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $900 annually on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records should be prepared to pay at least $3,900 a year. View Rates by Age

Where you live plays a big part in determining prices for Volvo S80 insurance rates. A good driver about age 40 could pay as low as $750 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,390 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $250 each year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $398 more each year. View Rates by Deductible or Liability Limit

With so much variability in rates, the best way to figure out which company is cheapest is to compare rates from as many companies as possible. Each auto insurer calculates rates differently, and 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 Best Cheap Volvo S80 Insurance

Saving money on Volvo S80 insurance takes having a decent driving record, having a good credit score, not filing small claims, and maximizing policy discounts. Compare rates every couple of years by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.

The following items are a quick review of the material that was covered in the charts and tables above.

• Drivers who want additional liability coverage will pay approximately $490 per year to raise limits from a minimum limit to the 250/500 level
• 16 to 18-year-old drivers are expensive to insure, as much as $327 per month if comprehensive and collision insurance is included
• High-risk drivers with a DUI or reckless driving violation could be charged and average of $1,120 more annually than a driver with a clean driving record
• Increasing deductibles can save approximately $250 each year