Volvo S80 Insurance Rates

Estimated insurance rates for a Volvo S80 are $976 a year for full coverage insurance. Comprehensive costs on average $160, collision insurance costs $216, and liability is $442. Liability-only insurance costs around $496 a year, and high-risk driver insurance costs around $2,096. Teens pay the most at up to $3,926 a year.

Average premium for full coverage: $976

Premium estimates by type of coverage:

These estimates include $500 policy deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 states and for different S80 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can have significant affects on insurance rates. Rural areas are statistically proven to have lower incidents of physical damage claims than cities with more traffic congestion. The price range example below illustrates how location impacts car insurance rates.

These rate differences illustrate why anyone shopping for car insurance should compare rates quotes based on a specific location, instead of using averaged prices.

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

Additional Rate Analysis

The chart below illustrates average Volvo S80 insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $595
• Raising to $1,000 deductibles will save around $86 each year
• The estimated price for a 40-year-old good driver with $500 deductibles is $976
• Selecting more expensive low deductibles bumps up the cost to $1,138
• At-risk drivers with serious driving violations could pay upwards of $2,096
• An auto insurance policy that insures a teen driver with full coverage may cost $3,926

View Chart as Image

Insurance prices for a Volvo S80 also have a wide range based on the model year and trim level, your age and driving record, and policy deductibles and limits.

If you have a few violations or you caused an accident, you are probably paying at a minimum $1,200 to $1,600 additional annually, depending on your age. High-risk driver insurance is expensive and can cost as much as 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 may pay as little as $900 every 12 months on average, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records should be prepared to pay upwards of $3,900 a year. View Rates by Age

Where you choose to live also has a big influence on Volvo S80 insurance prices. A middle-age driver might find prices as low as $640 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,320 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $250 every year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $398 more each year. 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 Cheap Volvo S80 Insurance

Finding better rates on car insurance consists of avoiding accidents and claims, having a good credit score, paying for small claims out-of-pocket, and dropping full coverage on older vehicles. Compare rates every time your policy renews by requesting rates from direct insurance companies, and also from your local independent and exclusive agents.

The points below are a brief summary of the information touched on above.

• It is possible to save as much as $110 per year just by shopping early and online
• Drivers under the age of 20 pay higher prices, with premiums being up to $327 per month if comprehensive and collision insurance is included
• Increasing policy deductibles can save approximately $250 each year
• Higher risk drivers that tend to have accidents or serious violations may pay on average $1,120 more each year to insure a Volvo S80
• Policyholders who require increased liability limits will pay approximately $490 annually to raise from 30/60 bodily injury limits to the 250/500 level