Volvo S80 Insurance Rates

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UPDATED: Apr 28, 2024

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Average auto insurance rates for a Volvo S80 are $976 annually for full coverage. Comprehensive costs an estimated $160 each year, collision insurance costs $216, and liability coverage is estimated at $442. A liability-only policy costs approximately $496 a year, and high-risk insurance costs around $2,096. Teens receive the highest rates at up to $3,926 a year.

Average premium for full coverage: $976

Rate estimates broken down by individual coverage type:

Comprehensive $160
Collision $216
Liability $442

Rates are based on $500 policy deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all states and S80 models.

Price Range by Coverage and Risk

Using a middle-aged driver as an example, prices range range from as cheap as $496 for basic liability insurance to a high rate of $2,096 for a driver who has had serious violations or accidents.

Liability Only $496
Full Coverage $976
High Risk $2,096

Price Range by Location

Living in a larger city has a large influence on insurance rates. More rural locations tend to have fewer accident claims than cities with more traffic congestion. The graphic below illustrates how where you live affects insurance prices.

Rural Areas $732
Small Cities $1,025
Large Cities $1,318

These examples show why all drivers should get quotes for a targeted area and their own personal driving habits, rather than using averaged prices.

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

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Rate Comparisons

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

  • The cheapest rate after discounts is $595
  • Choosing higher $1,000 deductibles can save approximately $86 a year
  • The estimated rate for a 40-year-old driver who has $500 deductibles is $976
  • Selecting low deductibles for comp and collision coverage will cost $1,138
  • Drivers with serious driving violations could pay up to $2,096
  • The cost with full coverage for a teenage driver can cost as much as $3,926 each year

View Chart as Image

Volvo S80 insurance cost comparison chart
Column chart showing Volvo S80 insurance rates range from $595 to $3,926 for full coverage

Insurance rates for a Volvo S80 can also vary considerably based on the trim level of your S80, your driver profile, and liability limits and deductibles.

More mature drivers with a clean driving record and high physical damage deductibles may only pay around $900 annually on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they can expect to pay at least $3,900 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you could be paying $1,200 to $1,600 extra per year, depending on your age. Insurance for high-risk drivers ranges around 41% to 137% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can save as much as $250 a year, whereas increasing liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $398 more per year. View Rates by Deductible or Liability Limit

Where you live plays a big part in determining prices for Volvo S80 insurance rates. A good driver about age 40 could pay as low as $640 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,390 on average in New York, Louisiana, and Michigan.

Volvo S80 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $882 -$94 -9.6%
Alaska $748 -$228 -23.4%
Arizona $810 -$166 -17.0%
Arkansas $976 -$0 0.0%
California $1,112 $136 13.9%
Colorado $934 -$42 -4.3%
Connecticut $1,002 $26 2.7%
Delaware $1,106 $130 13.3%
Florida $1,220 $244 25.0%
Georgia $900 -$76 -7.8%
Hawaii $702 -$274 -28.1%
Idaho $660 -$316 -32.4%
Illinois $728 -$248 -25.4%
Indiana $734 -$242 -24.8%
Iowa $658 -$318 -32.6%
Kansas $928 -$48 -4.9%
Kentucky $1,332 $356 36.5%
Louisiana $1,446 $470 48.2%
Maine $600 -$376 -38.5%
Maryland $806 -$170 -17.4%
Massachusetts $782 -$194 -19.9%
Michigan $1,696 $720 73.8%
Minnesota $816 -$160 -16.4%
Mississippi $1,170 $194 19.9%
Missouri $864 -$112 -11.5%
Montana $1,050 $74 7.6%
Nebraska $770 -$206 -21.1%
Nevada $1,170 $194 19.9%
New Hampshire $702 -$274 -28.1%
New Jersey $1,092 $116 11.9%
New Mexico $864 -$112 -11.5%
New York $1,028 $52 5.3%
North Carolina $562 -$414 -42.4%
North Dakota $800 -$176 -18.0%
Ohio $674 -$302 -30.9%
Oklahoma $1,002 $26 2.7%
Oregon $894 -$82 -8.4%
Pennsylvania $932 -$44 -4.5%
Rhode Island $1,302 $326 33.4%
South Carolina $884 -$92 -9.4%
South Dakota $826 -$150 -15.4%
Tennessee $856 -$120 -12.3%
Texas $1,178 $202 20.7%
Utah $724 -$252 -25.8%
Vermont $668 -$308 -31.6%
Virginia $584 -$392 -40.2%
Washington $756 -$220 -22.5%
West Virginia $894 -$82 -8.4%
Wisconsin $674 -$302 -30.9%
Wyoming $870 -$106 -10.9%

View Chart as Image

Volvo S80 insurance rates by U.S. city

Insurance Rates by Trim Level and Model Year

Volvo S80 Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Volvo S80 3.2 $948 $79
Volvo S80 T6 AWD $960 $80
Volvo S80 Executive AWD $976 $81
Volvo S80 V8 AWD $990 $83

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.

Volvo S80 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2016 Volvo S80 $260 $466 $460 $1,344
2008 Volvo S80 $184 $250 $460 $1,052
2007 Volvo S80 $182 $238 $452 $1,030
2005 Volvo S80 $160 $216 $442 $976

Rates are averaged for all Volvo S80 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Buy the Best Cheap Volvo S80 Insurance

Saving money on auto insurance takes being a good driver, having a good credit history, eliminating unneeded coverage, and deciding if full coverage is necessary. Take the time to comparison shop every other policy renewal by requesting rates from direct carriers like Progressive and GEICO, and also from local exclusive and independent agents.

The following list is a quick review of the ideas that were touched on in the above illustrations.

  • Drivers age 16 to 20 are charged the highest rates, costing as high as $327 per month including comprehensive and collision insurance
  • Drivers with a DUI or reckless driving violation may pay on average $1,120 more annually than a safer driver
  • Increasing deductibles could save up to $250 each year
  • Drivers can save approximately $110 per year just by quoting online in advance

Rates by Driver Age

Volvo S80 Insurance Rates by Driver Age
Driver Age Premium
16 $3,926
20 $2,234
30 $994
40 $976
50 $896
60 $876

Full coverage, $500 deductibles

Rates by Deductible

Volvo S80 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,138
$250 $1,064
$500 $976
$1,000 $890

Full coverage, driver age 40

Rates by Liability Limit

Volvo S80 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $976
50/100 $1,078
100/300 $1,189
250/500 $1,476
100 CSL $1,123
300 CSL $1,366
500 CSL $1,543

Full coverage, driver age 40

Rates for High Risk Drivers

Volvo S80 Insurance Rates for High Risk Drivers
Age Premium
16 $5,524
20 $3,556
30 $2,114
40 $2,096
50 $2,004
60 $1,986

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $130

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $49
Multi-vehicle $52
Homeowner $17
5-yr Accident Free $59
5-yr Claim Free $61
Paid in Full/EFT $35
Advance Quote $43
Online Quote $65
Total Discounts $381
Rate after discounts $595

Discounts are estimated and may not be available from every company or in every state.

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