Volvo S80 Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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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 insurance costs an estimated $160, collision insurance costs $216, and liability coverage costs $442. A policy with just liability insurance costs as little as $496 a year, and coverage for high-risk drivers costs $2,096 or more. Teens receive the highest rates at up to $3,926 a year.
Average premium for full coverage: $976
Rate estimates broken down by individual coverage type:
Prices include $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all 50 states and for all S80 models.
Price Range by Coverage and Risk
For a driver in their 40's, prices range range from as low as $496 for a discount liability-only rate to the much higher price of $2,096 for a driver who has had serious violations or accidents.
Price Range by Location
Your location has a large influence on the price of insurance. More rural locations tend to have a lower frequency of physical damage claims than cities with more traffic congestion. The example below illustrates how location helps determine insurance prices.
These examples illustrate why everyone should compare rates for a targeted area and risk profile, rather than using averaged prices.
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 illustrates average Volvo S80 insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $595
- Drivers who choose higher $1,000 deductibles will pay approximately $86 each year
- The average rate for a 40-year-old driver who has $500 deductibles is $976
- Selecting pricier low deductibles for comprehensive and collision insurance will cost an extra $162 each year
- High-risk insureds with serious driving violations could pay up to $2,096
- The cost for full coverage for a teenage driver for full coverage can cost as much as $3,926 a year
Insurance rates for a Volvo S80 can also vary considerably based on your driver profile, the model year and trim level, and liability limits and deductibles.
A more mature driver with no violations or accidents and high deductibles may only pay around $900 per year on average for full coverage. Rates are much higher for teen drivers, where even good drivers should be prepared to pay at least $3,900 a year. View Rates by Age
Where you live makes a big difference in Volvo S80 insurance rates. A 40-year-old driver could pay as low as $640 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,320 on average in Florida, 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% |
Choosing higher comprehensive and collision insurance deductibles could save up to $250 a year, whereas buying more liability protection will increase premiums. Switching from a 50/100 limit to a 250/500 limit will cost as much as $398 more each year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you are probably paying $1,200 to $1,600 additional per year, depending on your age. Volvo S80 insurance for high-risk drivers can cost around 41% to 137% more than the average policy. View High Risk Driver Rates
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 Find the Right Volvo S80 Insurance
Saving money on auto insurance not only requires being a low-risk driver, but also having a good credit history, avoid buying unnecessary coverage, and possibly raising deductibles. Invest time comparing rates every other policy renewal by requesting quotes from direct insurance companies like GEICO and Progressive, and also from several local insurance agents.
The items below are a quick rundown of the ideas that were covered in the charts and tables above.
- Teen drivers are expensive to insure, costing up to $327 per month including comprehensive and collision insurance
- Drivers with reckless driving or DUI convictions pay on average $1,120 more annually to insure their S80
- Increasing deductibles can save around $250 each year
- It is possible to save approximately $110 per year just by quoting online well ahead of the renewal date
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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