Volvo S80 Insurance Rates

The average insurance rates for a Volvo S80 are $976 a year for full coverage insurance. Comprehensive costs approximately $160, collision insurance costs $216, and liability costs around $442. A liability-only policy costs as low as $496 a year, and high-risk insurance costs around $2,096. Teen 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:

Full coverage includes $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 states and for different S80 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on the price of auto insurance. Rural locations are shown to have lower incidents of physical damage claims than larger metro areas. The price range example below illustrates how location helps determine auto insurance prices.

The examples above illustrate why anyone shopping for car insurance should compare prices using their specific location, instead of using price averages.

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

Rate Comparisons

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

• The lowest rate with discounts is $595
• Using higher $1,000 deductibles will save $86 each year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $976
• Choosing more expensive low deductibles for physical damage coverage bumps up the cost to $1,138
• Drivers with multiple violations and an at-fault accident could pay around $2,096
• Policy cost that insures a teen driver with full coverage can cost $3,926 or more

View Chart as Image

Car insurance rates for a Volvo S80 also range considerably based on the model year and trim level, your age and driving record, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you are probably paying anywhere from $1,200 to $1,600 extra every year, depending on your age. High-risk driver insurance can be as much as 41% to 137% more than average. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles may pay as little as $900 a year, or $75 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will be charged in the ballpark of $3,900 a year. View Rates by Age

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 North Carolina, Wisconsin, and Vermont, or as much as $1,320 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing high deductibles could cut rates by as much as $250 every year, while increasing your policy's liability limits will push rates upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $398 extra every 12 months. 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 More Affordable Volvo S80 Insurance

Finding cheaper rates on car insurance requires having a decent driving record, having a positive credit history, being claim-free, and attention to physical damage deductibles. Shop around every time your policy renews by getting rate quotes from direct insurance companies, and also from your local car insurance providers.

The following items are a summary of the information covered in the charts and tables above.

• It is possible to save around $110 per year just by shopping early and online
• 16 to 18-year-old drivers pay the highest auto insurance rates, possibly costing $327 each month if full coverage is purchased
• Increasing comprehensive and collision deductibles can save approximately $250 each year
• Higher risk drivers who have multiple accidents or major violations could be charged and average of $1,120 more per year than a driver with a clean driving record
• Policyholders who purchase additional liability coverage will pay about $490 annually to increase from a 30/60 limit to the 250/500 level