Volvo S80 Insurance Rates

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UPDATED: Apr 28, 2024

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U.S. average auto insurance rates for a Volvo S80 are $976 annually including full coverage. Comprehensive insurance costs around $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 $2,096 or more. 16-year-old drivers pay the highest rates at up to $3,926 a year.

Average premium for full coverage: $976

Price estimates for individual coverage:

Comprehensive $160
Collision $216
Liability $442

Estimates include $500 deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 U.S. states and S80 models.

Price Range from Low to High

For a 40-year-old driver, Volvo S80 insurance prices range from as cheap as $496 for a discount liability-only rate to a high rate of $2,096 for a high-risk insurance policy.

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

Geographic Price Range

Where you live can make a big difference on the price of insurance. Areas with sparse population have fewer comprehensive and collision claims than congested cities. The graphic below illustrates how your location can change auto insurance rates.

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

The ranges above highlight why all drivers should compare prices for a specific zip code and their own personal driving habits, instead of making a decision based on rate 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.

Rates by State, City, and Model

The chart below breaks down average Volvo S80 insurance rates for additional coverage choices and driver risks.

  • The best full coverage rate is $595
  • Using higher $1,000 deductibles will save about $86 every year
  • The estimated rate for the average middle-age driver using $500 deductibles is $976
  • Buying low deductibles for physical damage coverage costs an additional $162 annually
  • High-risk insureds with multiple tickets or accidents could pay at least $2,096
  • The price with full coverage for a 16-year-old driver can be $3,926 or more

View Chart as Image

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

Auto insurance prices for a Volvo S80 are also quite variable based on the trim level and model year, your driving characteristics, and deductibles and policy limits.

More mature drivers with a good driving record and high physical damage deductibles may pay as low as $900 a year for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will have to pay as much as $3,900 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying at least $1,200 to $1,600 in extra premium each year, depending on your age. Insurance for high-risk drivers can be from 41% to 137% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could cut prices by as much as $250 annually, whereas increasing liability limits will increase prices. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $398 extra every year. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Volvo S80 insurance prices. A driver around age 40 might see prices as low as $750 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,390 on average in Michigan, New York, and Louisiana.

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 Low Cost Volvo S80 Insurance

Getting lower rates on insurance for a Volvo S80 requires not taking risks behind the wheel, having above-average credit, being claim-free, and possibly raising deductibles. Invest the time to shop around at least every other year by getting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The following is a review of the car insurance concepts illustrated above.

  • Drivers considered higher risk who have several accidents or serious violations may pay on average $1,120 more every year for S80 insurance
  • You may be able to save up to $110 per year just by quoting online in advance
  • Increasing physical damage deductibles could save up to $250 each year
  • Insureds who may need higher liability limits will pay around $490 per year to increase from a low 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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