Volvo S80 Insurance Rates

U.S. average insurance rates for a Volvo S80 are $976 a year for full coverage. Comprehensive insurance costs approximately $160 a year, collision costs $216, and liability insurance is $442. A policy with just liability insurance costs around $496 a year, with coverage for high-risk drivers costing $2,096 or more. Teenage drivers pay the highest rates at $3,926 a year or more.

Average premium for full coverage: $976

Price estimates by individual coverage:

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

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a significant impact on car insurance rates. Rural locations have lower incidents of accident claims than densely populated cities.

The diagram below illustrates how where you live affects auto insurance prices.

The ranges above show why it is important to compare rates quotes using their specific location, rather than relying on average rates.

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

Detailed Rate Analysis

The chart below shows estimated Volvo S80 insurance rates for additional coverage and risk scenarios.

• The best discount rate is $595
• Raising to $1,000 deductibles will save $890 a year
• The estimated price for the average middle-age driver who chooses $500 deductibles is $976
• Using low $100 deductibles will cost an additional $162 a year
• Higher-risk drivers who are prone to accidents and violations could pay around $2,096 or more
• The price that insures a teen driver can cost $3,926

View Chart as Image

Insurance prices for a Volvo S80 are also quite variable based on the trim level of your S80, how you drive, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you could be paying anywhere from $1,200 to $1,600 extra each year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 41% to 137% more than a normal policy. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little as $900 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay in the ballpark of $3,900 a year. View Rates by Age

The state you live in also has a big influence on Volvo S80 insurance rates. A middle-age driver might find prices as low as $640 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,390 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles can reduce prices by up to $250 each year, while buying higher liability limits will push prices upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $398 more per year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to know who has the cheapest car insurance prices is to get quotes from as many companies as possible. Every auto insurance company uses a different method to calculate prices, so the prices may be quite 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 Cheapest Volvo S80 Insurance

Getting lower rates on Volvo S80 insurance consists of being a good driver, having above-average credit, eliminating unnecessary coverage, and maximizing policy discounts. Compare prices at least every other year by requesting rates from direct carriers, and also from insurance agencies where you live.

The following list is a recap of the car insurance concepts touched on in the above illustrations.

• High-risk drivers that have major violations or accidents could be forced to pay on average $1,120 more per year than a safer driver
• Drivers can save around $110 per year simply by quoting early and online
• Increasing physical damage deductibles can save approximately $250 each year
• Drivers who purchase an increased level of liability coverage will pay an extra $490 each year to raise from a low limit to the 250/500 level