Volvo S80 Insurance Rates

The average insurance rates for a Volvo S80 are $976 a year including full coverage. Comprehensive costs around $160 each year, collision costs $216, and liability coverage is $442. A liability-only policy costs around $496 a year, with high-risk insurance 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 for type of insurance:

Prices are based on $500 comprehensive and collision deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and S80 models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on the price of insurance. Areas with sparse population are shown to have lower incidents of comprehensive and collision claims than larger metro areas.

The graphic below illustrates how location helps determine auto insurance rates.

The examples above highlight why all drivers should compare rates quotes for a specific zip code, rather than using price averages.

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

Rate Comparisons

The chart below breaks down estimated Volvo S80 insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $595
• Raising to $1,000 deductibles will save about $86 every year
• The estimated price for a good driver age 40 using $500 deductibles is $976
• Choosing low deductibles bumps up the cost to $1,138
• Unlucky drivers with multiple violations and an at-fault accident could pay at least $2,096 or more
• Policy cost that insures a teenage driver can be $3,926

View Chart as Image

Car insurance rates for a Volvo S80 also range considerably based on the trim level and model year, your driving record and age, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you are likely paying at least $1,200 to $1,600 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 41% to 137% more than average. View High Risk Driver Rates

More mature drivers with no driving violations and higher comprehensive and collision deductibles may only pay around $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 be charged as much as $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 $750 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,390 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing high deductibles can reduce rates by up to $250 a year, whereas increasing liability limits will increase rates. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $398 extra every 12 months. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to figure out your exact price is to do a rate comparison and see how they stack up. Every auto insurance company uses a different rate calculation, so rate quotes 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 Affordable Volvo S80 Insurance

Finding cheaper rates on auto insurance consists of avoiding accidents and violations, having a positive credit history, paying for small claims out-of-pocket, and qualifying for all possible discounts. Shop around every couple of years by obtaining price quotes from direct car insurance companies, and also from local insurance agencies.

The list below is a brief review of the material that was covered in the charts and tables above.

• Consumers who may need higher liability limits will pay about $490 per year to raise from a 30/60 limit to the 250/500 level
• Teenagers are the costliest to insure, with premiums being up to $327 each month if full coverage is purchased
• Drivers with DUI or reckless driving convictions may have to pay on average $1,120 more every year for car insurance
• Increasing comprehensive and collision deductibles can save approximately $250 each year