Volvo S80 Insurance Rates

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

Average premium for full coverage: $976

Policy rates by type of insurance:

Estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 states and for all S80 models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on insurance rates. Rural areas are shown to have a lower frequency of physical damage claims than cities with more traffic congestion.

The example below illustrates how location impacts car insurance rates.

The examples above illustrate why everyone should get quotes based on a specific location and risk profile, instead of making a decision based on averaged prices.

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

More Rate Information

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

• The cheapest rate after discounts is $595
• Choosing higher $1,000 deductibles can save around $86 each year
• The average rate for a good driver age 40 with $500 deductibles is $976
• Selecting pricier low deductibles for comp and collision coverage will cost an extra $162 annually
• Higher-risk drivers with serious driving violations could pay upwards of $2,096 or more
• Policy cost for full coverage for a 16-year-old driver for full coverage may cost $3,926 each year

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 policy deductibles and limits.

A more mature driver with a clean driving record and high deductibles may pay as low as $900 annually on average, or $75 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay upwards of $3,900 a year. View Rates by Age

Your home state plays a big part in determining prices for Volvo S80 insurance prices. A good driver about age 40 could pay 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 save as much as $250 annually, whereas buying more liability protection will cost you more. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $398 more per 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 at a minimum $1,200 to $1,600 extra every year, depending on your age. Volvo S80 insurance for high-risk drivers ranges 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 exactly what you will pay is to regularly compare rates from multiple companies. Each auto insurer calculates rates differently, so the 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 Low Cost Volvo S80 Insurance

Finding cheaper rates on insurance for a Volvo S80 takes avoiding accidents and violations, maintaining good credit, being claim-free, and bundling your home and auto policies. Spend time shopping around at least once a year by requesting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The list below is a review of the primary concepts that were touched on above.

• It is possible to save as much as $110 per year simply by quoting online well ahead of the renewal date
• Drivers considered higher risk who have several accidents or serious violations pay an average of $1,120 more each year for car insurance
• Increasing comprehensive and collision deductibles can save around $250 each year
• Teenagers pay the highest rates, possibly costing $327 each month for full coverage