Volvo S80 Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jun 2, 2023

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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 each year, collision insurance costs $216, and liability is estimated at $442. Liability-only insurance costs approximately $496 a year, and high-risk driver insurance 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:

Comprehensive $160
Collision $216
Liability $442

Prices are based on $500 policy deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and S80 models.

Price Range Variability

For a driver around age 40, Volvo S80 insurance rates range from as cheap as $496 for liability-only coverage to a high rate of $2,096 for high-risk insurance.

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

Urban vs. Rural Price Range

Living in a larger city can make a big difference on the price of auto insurance. More rural locations are shown to have fewer comprehensive and collision claims than larger metro areas. The graphic below illustrates the difference between rural and urban areas on insurance prices.

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

The examples above highlight why all drivers should get quotes for a targeted area and their own personal driving habits, instead of making a decision based on 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.

Additional Charts and Tables

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

  • The lowest rate with discounts is $595
  • Choosing higher $1,000 deductibles can save approximately $86 every year
  • The estimated rate for a good driver age 40 who has $500 deductibles is $976
  • Choosing low deductibles for comp and collision coverage costs an additional $162 annually
  • Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,096
  • Policy cost with full coverage for a 16-year-old 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 prices range from $595 to $3,926 for full coverage

Auto 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.

More mature drivers with a good driving record and high physical damage deductibles may pay as low as $900 annually on average, or $75 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will have 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 in extra premium every year, depending on your age. Insurance for high-risk drivers ranges from 41% to 137% more than average. View High Risk Driver Rates

Choosing high deductibles can save as much as $250 annually, whereas increasing 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 extra every year. View Rates by Deductible or Liability Limit

Your home state plays a big part in determining prices for Volvo S80 insurance prices. A good driver about age 40 could pay 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.

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
2008 Volvo S80 $194 $284 $474 $1,110
2007 Volvo S80 $188 $256 $468 $1,070
2005 Volvo S80 $182 $238 $452 $1,030
2004 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 Affordable Volvo S80 Insurance

Finding cheaper rates on insurance for a Volvo S80 takes being a good driver, having above-average credit, paying for small claims out-of-pocket, and consideration of higher deductibles. Set aside time to compare rates every couple of years by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The following list is a brief review of the material that was covered above.

  • Insureds who want an increased level of liability coverage will pay about $490 per year to raise limits from a 30/60 limit to higher 250/500 limits
  • Drivers age 16 to 20 are the costliest to insure, with premiums being up to $327 each month if full coverage is included
  • Drivers considered higher risk with DUI or reckless driving convictions could be forced to pay on average $1,120 more annually than a safer driver
  • Increasing comprehensive and collision deductibles could save up to $250 each year

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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