Volvo S80 Insurance Rates

The average insurance rates for a Volvo S80 are $976 a year for full coverage. Comprehensive insurance costs an estimated $160 a year, collision costs $216, and liability insurance is $442. Liability-only insurance costs around $496 a year, with high-risk driver insurance costing $2,096 or more. Teen drivers 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:

Estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all states and S80 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on insurance rates. More rural locations are shown to have lower incidents of accident claims than larger metro areas.

The diagram below illustrates how where you live affects insurance prices.

The examples above show why it is important to compare rates quotes for a targeted area, rather than relying on price averages.

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

Rates by State, City, and Model

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

• The lowest rate with discounts is $595
• Raising to $1,000 deductibles will save approximately $890 a year
• The estimated price for a good driver age 40 who has $500 deductibles is $976
• Choosing low $100 deductibles will cost an additional $162 a year
• Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,096 or more
• Policy cost that insures a teen driver can cost as much as $3,926

View Chart as Image

Auto insurance rates for a Volvo S80 also range considerably based on the trim level of your S80, how you drive, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you could be paying $1,200 to $1,600 in extra premium every year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 41% to 137% more than average. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles could pay as little as $900 every 12 months on average, or $75 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will have to pay at least $3,900 a year. View Rates by Age

Your home state also has a big influence on Volvo S80 insurance rates. A middle-age driver might find rates as low as $640 a year in states like Iowa, Maine, and Idaho, or as much as $1,390 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing high deductibles can reduce rates by up to $250 each year, while buying higher liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $398 extra every year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to know which auto insurance is cheapest is to get quotes from as many companies as possible. Every auto insurance company uses a different rate calculation, and quoted 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 Find Low Cost Volvo S80 Insurance

Finding cheaper rates on Volvo S80 insurance consists of avoiding accidents and violations, maintaining a good credit score, avoid buying unnecessary coverage, and qualifying for all possible discounts. Shop around every time your policy renews by getting quotes from direct carriers, and also from your local independent and exclusive agents.

The list below is a review of the information touched on in the above illustrations.

• Drivers can save approximately $110 per year simply by quoting early and online
• Teenagers are the costliest to insure, costing up to $327 each month if the policy includes full coverage
• Increasing comprehensive and collision deductibles can save approximately $250 each year
• High-risk drivers who have several accidents or serious violations may pay on average $1,120 more annually for car insurance
• Drivers who want higher liability limits will pay about $490 each year to raise from a 30/60 limit to the 250/500 level