Volvo S80 Insurance Rates

U.S. average auto insurance rates for a Volvo S80 are $976 annually including full coverage. Comprehensive insurance costs on average $160 a year, collision costs $216, and liability costs around $442. A policy with just liability insurance costs as low as $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:

Price estimates include $500 policy deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 U.S. states and S80 trim levels.

Price Range from Low to High

Geographic Price Range

Where you live can have significant affects on car insurance rates. Rural areas have fewer comprehensive and collision claims than densely populated cities.

The diagram below illustrates how location helps determine car insurance rates.

The ranges above highlight why it is important to compare prices based on a specific location and their own personal driving habits, instead of using average rates.

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

Additional Rate Information

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

• The best discount rate is $595
• Using higher $1,000 deductibles will save around $890 every year
• The estimated rate for the average middle-age driver with $500 deductibles is $976
• Using low $100 deductibles for physical damage coverage costs an additional $162 every year
• Drivers who are prone to accidents and violations could pay upwards of $2,096 or more
• The price with full coverage for a teen driver may cost $3,926 or more

View Chart as Image

Insurance prices for a Volvo S80 are also quite variable based on the trim level and model year, your driving characteristics, and policy deductibles and limits.

Older drivers with a clean driving record and high physical damage deductibles may pay as little as $900 a year for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they can expect to pay upwards of $3,900 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying at a minimum $1,200 to $1,600 extra each year, depending on your age. A high-risk auto insurance policy can be as much as 41% to 137% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $250 every year, while buying higher liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $398 more per year. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Volvo S80 insurance prices. A driver around age 40 might see prices as low as $750 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,390 on average in Michigan, New York, and Louisiana.

View Chart as Image

Since prices can be so different, the best way to figure out exactly what you will pay is to get quotes and see which company has the best price. Each insurance company uses a different method to calculate prices, so the prices may be quite different between companies.

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 Buy Cheaper Volvo S80 Insurance

Getting lower rates on car insurance requires being a good driver, having a good credit history, being claim-free, and bundling your home and auto policies. Invest time comparing rates at least once a year by getting price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following list is a condensed summary of the primary concepts that were covered in the charts and tables above.

• You may be able to save as much as $110 per year simply by quoting early and online
• Higher risk drivers with multiple at-fault accidents pay on average $1,120 more each year than a safer driver
• Increasing physical damage deductibles could save up to $250 each year
• Drivers age 16 to 20 pay the highest prices, possibly costing $327 a month including comprehensive and collision insurance