Volvo S80 Insurance Rates

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UPDATED: Apr 28, 2024

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The average auto insurance rates for a Volvo S80 are $976 annually for full coverage insurance. Comprehensive costs on average $160 each year, collision insurance costs $216, and liability costs around $442. Liability-only coverage costs as low as $496 a year, and high-risk coverage costs around $2,096. Teenage drivers cost the most to insure at up to $3,926 a year.

Average premium for full coverage: $976

Policy rates by type of insurance:

Comprehensive $160
Collision $216
Liability $442

Rate estimates include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and S80 models.

Price Range Variability

For the average driver, Volvo S80 insurance rates range from as cheap as $496 for minimum levels of liability insurance to a high rate of $2,096 for a high-risk driver policy.

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

Urban vs. Rural Price Range

Where you live can make a big difference on insurance rates. Rural areas are shown to have fewer physical damage claims than densely populated cities. The graphic below illustrates how location impacts car insurance rates.

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

The examples above illustrate why all drivers should compare prices based on a specific location and their own personal driving habits, instead of making a decision based on average rates.

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 Details

The chart below illustrates average Volvo S80 insurance rates for different risk profiles and scenarios.

  • The best discount rate is $595
  • Using higher $1,000 deductibles will save around $86 each year
  • The estimated rate for a good driver age 40 with $500 deductibles is $976
  • Using low deductibles for physical damage coverage will cost $1,138
  • High-risk insureds who are prone to accidents and violations could pay upwards of $2,096
  • Policy cost with full coverage for a 16-year-old driver may cost $3,926 or more

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 also range considerably based on the model year and trim level, your risk profile, and policy deductibles and limits.

More mature drivers with no violations or accidents and high physical damage deductibles may pay as low as $900 a year, or $75 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared to pay upwards of $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 probably paying at a minimum $1,200 to $1,600 additional every year, depending on your age. Insurance for high-risk drivers can be from 41% to 137% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut rates by as much as $250 annually, whereas increasing liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $398 more each year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Volvo S80 insurance prices. A driver around age 40 might see rates as low as $640 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,320 on average in Michigan, New York, and Florida.

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 Volvo S80 Insurance

Finding cheaper rates on insurance for a Volvo S80 requires being a low-risk driver, having good credit, being claim-free, and dropping full coverage on older vehicles. Spend time shopping around every time your policy renews by quoting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The items below are a brief recap of the information touched on above.

  • It is possible to save as much as $110 per year just by quoting online in advance
  • Teen drivers pay higher rates, possibly costing $327 each month if they have full coverage
  • Increasing comprehensive and collision deductibles could save up to $250 each year
  • Drivers considered higher risk who tend to receive serious violations may pay on average $1,120 more each year to insure their S80
  • Insureds who require more liability coverage will pay an extra $490 annually to increase from a 30/60 limit to higher 250/500 limits

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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