Volvo S80 Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Apr 28, 2024
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The average insurance prices for a Volvo S80 are $976 every 12 months with full coverage. Comprehensive insurance costs an estimated $160, collision insurance costs $216, and liability coverage costs $442. Buying just liability costs as little as $496 a year, and insurance for high-risk drivers costs $2,096 or more. Teens cost the most to insure at up to $3,926 a year.
Average premium for full coverage: $976
Policy rates broken down by type of insurance:
These estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all U.S. states and for different S80 trim levels.
Price Range Variability
For a driver around age 40, Volvo S80 insurance rates range from the cheapest price of $496 for the bare minimum liability coverage to a much higher rate of $2,096 for a high-risk driver policy.
Urban vs. Rural Price Range
Your location has a large influence on car insurance rates. More rural locations are shown to have more infrequent collision claims than cities with more traffic congestion. The price range example below illustrates the difference between rural and urban areas on insurance prices.
The examples above demonstrate why anyone shopping for car insurance should compare rates for a targeted area and their own driving history, 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.
Additional Rate Information
The chart below details average Volvo S80 insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $595
- Drivers who choose higher $1,000 deductibles will pay approximately $86 annually
- The average price for a good driver age 40 who has $500 deductibles is $976
- Selecting more expensive low deductibles for comprehensive and collision insurance costs an extra $162 each year
- High-risk insureds with serious driving violations could pay up to $2,096
- Policy cost to insure a teenage driver with full coverage can cost as much as $3,926 a year
Insurance rates for a Volvo S80 also range considerably based on liability limits and deductibles, your driving record, and the model year and trim level.
Choosing higher comprehensive and collision insurance deductibles could save up to $250 a year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $398 more per year. View Rates by Deductible or Liability Limit
An older driver with a clean driving record and higher deductibles may only pay around $900 per year on average, or $75 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect to pay at least $3,900 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you may be forking out $1,200 to $1,600 extra every year, depending on your age. High-risk driver insurance can cost around 41% to 137% more than the average policy. View High Risk Driver Rates
Your home state makes a big difference in Volvo S80 insurance rates. A 40-year-old driver could pay as low as $700 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,320 on average in New York, Michigan, and Florida.
| 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% |
Insurance Rates by Trim Level and Model Year
| 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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2016 Volvo S80 | $250 | $436 | $464 | $1,308 |
| 2008 Volvo S80 | $182 | $238 | $452 | $1,030 |
| 2007 Volvo S80 | $166 | $226 | $446 | $996 |
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 Shop for Cheap Volvo S80 Insurance
Finding cheaper rates on auto insurance not only requires avoiding accidents and violations, but also having good credit, not filing small claims, and deciding if full coverage is necessary. Set aside time to compare rates every time your policy renews by getting quotes from direct companies, and also from your local independent and exclusive agents.
The list below is a brief summary of the information covered above.
- You may be able to save approximately $110 per year just by shopping early and online
- Teenagers are charged the highest rates, as much as $327 each month if they have full coverage
- Increasing comprehensive and collision deductibles could save as much as $250 each year
- Drivers that tend to have accidents or serious violations may pay on average $1,120 more annually for car insurance
- Consumers who want higher liability limits will pay approximately $490 every year to go from a 30/60 limit to a 250/500 level
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,138 |
| $250 | $1,064 |
| $500 | $976 |
| $1,000 | $890 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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