Volvo S80 Insurance Rates

The average insurance rates for a Volvo S80 are $976 a year for full coverage insurance. Comprehensive costs an estimated $160 each year, collision costs $216, and liability is $442. Liability-only coverage costs around $496 a year, with high-risk coverage costing around $2,096. Teens cost the most to insure at $3,926 a year or more.

Average premium for full coverage: $976

Policy rates broken down by type of insurance:

Prices are based on $500 policy deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and S80 models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on the price of insurance. More rural locations are shown to have a lower frequency of physical damage claims than cities with more traffic congestion.

The graphic below illustrates the effect of geographic area on insurance prices.

The examples above illustrate why all drivers should compare rates quotes for a targeted area and risk profile, instead of making a decision based on averaged prices.

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

Additional Rate Details

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

• The cheapest rate after discounts is $595
• Raising to $1,000 deductibles will save approximately $86 each year
• The average rate for a good driver age 40 who has $500 deductibles is $976
• Selecting low deductibles will increase the cost to $1,138
• Drivers with serious driving violations could pay up to $2,096 or more
• Policy cost for full coverage for a 16-year-old driver can cost as much as $3,926

View Chart as Image

Insurance rates for a Volvo S80 also range considerably based on your risk profile, the model year and trim level, and liability limits and deductibles.

More mature drivers with no violations or accidents and high deductibles may pay as low as $900 every 12 months on average, or $75 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay at least $3,900 a year. View Rates by Age

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

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $250 annually, whereas increasing liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $398 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying $1,200 to $1,600 additional every year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 41% to 137% more than the average policy. View High Risk Driver Rates

Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to do a rate comparison from multiple companies. Every auto insurance company calculates rates differently, and rates will be varied from one company to the next.

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 Affordable Volvo S80 Insurance

Finding cheaper rates on insurance for a Volvo S80 consists of being a good driver, having a good credit history, being claim-free, and maximizing policy discounts. Take the time to compare rates at every policy renewal by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following list is a brief review of the data covered in the above illustrations.

• Insureds who want an increased level of liability coverage will pay approximately $490 annually to raise from a 30/60 limit to 250/500 limits
• It is possible to save approximately $110 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles can save around $250 each year
• Drivers age 16 to 20 are expensive to insure, possibly costing $327 each month including comprehensive and collision insurance