Volvo S80 Insurance Rates

The average insurance prices for a Volvo S80 are $976 every 12 months including full coverage. Comprehensive costs approximately $160, collision costs $216, and liability costs $442. Buying just liability costs as little as $496 a year, with insurance for high-risk drivers costing around $2,096. Teen drivers cost the most to insure at $3,926 a year or more.

Average premium for full coverage: $976

Policy rates by type of insurance:

Prices are based on $500 deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for different S80 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on car insurance prices. Rural locations are shown to have more infrequent comprehensive and collision claims than larger metro areas.

The price range example below illustrates how geographic area affects auto insurance prices.

The examples above highlight why anyone shopping for car insurance should compare rates using their specific location and their own driving history, instead of making a decision based on price averages.

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

Additional Charts and Tables

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

• The lowest rate with discounts is $595
• Drivers who choose higher $1,000 deductibles will pay $86 every year
• The average price for a good driver age 40 who chooses $500 deductibles is $976
• Choosing more expensive low deductibles for comprehensive and collision insurance increases the price to $1,138
• Drivers with multiple violations and an at-fault accident could pay around $2,096 or more
• Policy cost to insure a 16-year-old driver with full coverage can cost $3,926 a year

View Chart as Image

Insurance rates for a Volvo S80 also range considerably based on liability limits and deductibles, your driving characteristics, and the model of your S80.

Choosing high deductibles could save up to $250 annually, while increasing your policy's liability limits will push rates upward. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $398 more per year. View Rates by Deductible or Liability Limit

An older driver with a clean driving record and higher deductibles may pay as low as $900 per year on average, or $75 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers can expect to pay in the ballpark of $3,900 a year. View Rates by Age

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

Your home state makes a big difference in Volvo S80 insurance prices. A 40-year-old driver could pay as low as $750 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,390 on average in Louisiana, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to compare rates from multiple companies. Every company uses a different rate calculation, so the rates will be varied.

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 Shop for Affordable Volvo S80 Insurance

Finding cheaper rates on insurance for a Volvo S80 not only requires not taking risks behind the wheel, but also having good credit, paying for small claims out-of-pocket, and maximizing policy discounts. Invest the time to compare rates every couple of years by obtaining price quotes from direct car insurance companies, and also from your local car insurance providers.

The following is a brief review of the material that was presented in the illustrations above.

• Insureds who purchase higher liability limits will pay about $490 per year to go from a 30/60 limit to a 250/500 level
• Teens are expensive to insure, with premiums being up to $327 each month if they have full coverage
• Drivers considered higher risk with DUI or reckless driving convictions could be charged and average of $1,120 more per year for S80 insurance
• Increasing comprehensive and collision deductibles could save as much as $250 each year