Volvo S80 Insurance Rates

The average insurance rates for a Volvo S80 are $976 a year including full coverage. Comprehensive costs an estimated $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. Teenage 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:

These estimates include $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical 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 auto insurance. More rural locations are shown to have lower incidents of comprehensive and collision claims than densely populated cities.

The graphic below illustrates how geographic area affects insurance prices.

The examples above highlight why all drivers should compare rates quotes for a targeted area, rather than 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 other coverage scenarios.

• The best discount rate is $595
• Raising to $1,000 deductibles will save approximately $86 every year
• The estimated price for a good driver age 40 who has $500 deductibles is $976
• Using low deductibles bumps up the cost to $1,138
• Unlucky drivers who are prone to accidents and violations could pay up to $2,096 or more
• Policy cost that insures a teenage driver can cost as much as $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 liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you are likely paying $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 a normal policy. 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 much higher for teenagers, since even teens with perfect driving records will be charged 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 $750 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,390 on average in Louisiana, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $250 a year, whereas increasing liability limits will increase premiums. 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 which auto insurance is cheapest is to do a rate comparison and see how they stack up. Every auto insurance company uses a different method to calculate rates, 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 Cheap Volvo S80 Insurance

Finding cheaper rates on auto insurance consists of being a safe and courteous driver, having a positive credit history, paying for small claims out-of-pocket, and not having any coverage lapses. Compare prices every other policy renewal by requesting quotes from direct car insurance companies, and also from your local car insurance providers.

Below is a brief summary of the ideas that were presented in the illustrations above.

• Teenage drivers have the highest car insurance rates, with premiums being up to $327 each month if full coverage is purchased
• Drivers that tend to have accidents or serious violations could be charged and average of $1,120 more annually for auto insurance
• Increasing comprehensive and collision deductibles can save approximately $250 each year
• You may be able to save approximately $110 per year simply by quoting online in advance