Volvo S80 Insurance Rates
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Michelle Robbins
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UPDATED: Apr 28, 2024
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The average auto insurance rates for a Volvo S80 are $976 annually including full coverage. Comprehensive insurance costs an estimated $160, collision insurance costs $216, and liability is $442. Buying just liability costs around $496 a year, and insurance for high-risk drivers costs $2,096 or more. Teen drivers 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:
Rate estimates include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and for different S80 trim levels.
Price Range Variability
For a driver around age 40, Volvo S80 insurance rates range from as cheap as $496 for just liability insurance to a much higher rate of $2,096 for a policy for a high-risk driver.
Urban vs. Rural Price Range
Choosing to live in a large city can have significant affects on the price of auto insurance. More rural locations are shown to have fewer comprehensive and collision claims than larger metro areas. The price range example below illustrates the difference between rural and urban areas on insurance prices.
The examples above highlight why anyone shopping for car insurance should compare rates quotes for a targeted area and their own personal driving habits, instead of using price averages.
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.
More Rate Details
The chart below breaks down average Volvo S80 insurance rates for other coverage scenarios.
- The lowest rate with discounts is $595
- Raising to $1,000 deductibles will save approximately $86 every year
- The estimated rate for a good driver age 40 who has $500 deductibles is $976
- Choosing more expensive low deductibles costs an additional $162 every year
- At-risk drivers with multiple violations and an at-fault accident could pay up to $2,096
- Policy cost with full coverage for a teen driver with full coverage can cost as much as $3,926
Insurance rates for a Volvo S80 also range considerably based on the model year and trim level, your driving characteristics, and liability limits and deductibles.
An older driver with a clean driving record and high physical damage deductibles may pay as little as $900 every 12 months on average, or $75 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they 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 caused a few accidents, you are likely paying $1,200 to $1,600 extra every year, depending on your age. High-risk driver insurance is expensive and can cost as much as 41% to 137% more than average. View High Risk Driver Rates
Choosing high deductibles can reduce rates by up to $250 every year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $398 more per year. View Rates by Deductible or Liability Limit
Your home state also has a big influence on Volvo S80 insurance prices. A middle-age driver might find rates as low as $750 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,390 on average in Louisiana, New York, and Michigan.
| 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 Buy the Best Volvo S80 Insurance
Finding cheaper rates on car insurance consists of having a decent driving record, having a good credit history, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Set aside time to compare rates every year by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
The following items are a brief recap of the coverage data covered above.
- You may be able to save approximately $110 per year just by shopping early and online
- Increasing comprehensive and collision deductibles could save up to $250 each year
- 16 to 18-year-old drivers are charged the highest rates, with premiums being up to $327 each month including comprehensive and collision insurance
- Higher risk drivers who tend to receive serious violations could be forced to pay on average $1,120 more annually than a driver with a clean driving record
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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