Volvo S80 Insurance Rates

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UPDATED: Apr 28, 2024

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Average insurance rates for a Volvo S80 are $976 a year for full coverage insurance. Comprehensive costs around $160, collision insurance costs $216, and liability costs $442. Liability-only coverage costs as little as $496 a year, and high-risk coverage costs around $2,096. 16-year-old drivers receive the highest rates at up to $3,926 a year.

Average premium for full coverage: $976

Rate estimates for individual coverage type:

Comprehensive $160
Collision $216
Liability $442

Estimates include $500 policy deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 states and for all S80 models.

Price Range by Coverage and Risk

For the average 40-year-old driver, prices range range from as low as $496 for minimum levels of liability insurance to the much higher price of $2,096 for coverage for higher-risk drivers.

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

Price Range by Location

Your location can make a big difference on car insurance rates. Areas with sparse population tend to have a lower frequency of physical damage claims than congested cities. The example below illustrates the difference location can make on auto insurance rates.

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

These examples illustrate why everyone should compare rates for a specific zip code and risk profile, 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.

Additional Rate Details

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

  • The best full coverage rate is $595
  • Drivers who choose higher $1,000 deductibles will pay about $86 each year
  • The average rate for a 40-year-old driver using $500 deductibles is $976
  • Buying pricier low deductibles for comprehensive and collision insurance will increase the cost to $1,138
  • Drivers with multiple tickets or accidents could pay at least $2,096
  • The cost for full coverage for a 16-year-old driver for full coverage can be $3,926 a year

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

Car insurance rates for a Volvo S80 can also vary considerably based on your driver profile, the model year and trim level, and deductibles and policy limits.

A more mature driver with no driving violations and high deductibles may pay as low as $900 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers will be charged as much as $3,900 a year. View Rates by Age

Where you live makes a big difference in Volvo S80 insurance prices. A 40-year-old driver could pay as low as $640 a year in states like Vermont, Wisconsin, and North Carolina, or at least $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

Opting for high physical damage deductibles could save up to $250 annually, whereas buying more liability protection will increase rates. Switching from a 50/100 limit to a 250/500 limit will cost as much as $398 extra every 12 months. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying at least $1,200 to $1,600 extra per year, depending on your age. Volvo S80 insurance for high-risk drivers can cost from 41% to 137% more than the average rate. View High Risk Driver Rates

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 Find Low Cost Volvo S80 Insurance

Saving money on insurance for a Volvo S80 not only requires avoiding accidents and claims, but also having above-average credit, avoid buying unnecessary coverage, and consideration of higher deductibles. Make time to compare rates at least once a year by getting rate quotes from direct insurance companies like GEICO and Progressive, and also from local exclusive and independent agents.

The points below are a review of the primary concepts that were touched on in this article.

  • It is possible to save up to $110 per year just by quoting online well ahead of the renewal date
  • Drivers considered higher risk who have several accidents or serious violations may pay on average $1,120 more every year to insure a Volvo S80
  • Increasing deductibles can save around $250 each year
  • Drivers under the age of 20 are the costliest to insure, costing up to $327 per month if full coverage is included

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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