Volvo S80 Insurance Rates

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UPDATED: Apr 28, 2024

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Average insurance prices for a Volvo S80 are $976 every 12 months with full coverage. Comprehensive insurance costs approximately $160 a year, collision costs $216, and liability coverage costs $442. Buying just liability costs as little as $496 a year, with insurance for high-risk drivers costing $2,096 or more. 16-year-old drivers receive the highest rates at $3,926 a year or more.

Average premium for full coverage: $976

Rate estimates by individual coverage type:

Comprehensive $160
Collision $216
Liability $442

Rate estimates include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes UM/UIM and medical coverage. Rates are averaged for all U.S. states and S80 trim levels.

Price Range by Coverage and Risk

Using a middle-aged driver as an example, prices range go from the cheapest price of $496 for a discount liability-only rate to a high of $2,096 for a policy for a high-risk driver.

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

Price Range by Location

Your location has a large influence on the price of insurance. Rural locations tend to have more infrequent collision claims than congested cities.

The diagram below illustrates how where you live affects auto insurance prices.

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

These examples demonstrate why it is important to compare rates using their specific location and their own driving history, rather than using 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 details estimated Volvo S80 insurance rates for additional coverage and risk scenarios.

  • The best full coverage rate is $595
  • Drivers who choose higher $1,000 deductibles will pay $890 annually
  • The average price for a 40-year-old driver who chooses $500 deductibles is $976
  • Buying low $100 deductibles for comprehensive and collision insurance costs an extra $162 each year
  • High-risk insureds with multiple tickets or accidents could pay around $2,096 or more
  • The cost to insure a teenage driver can cost $3,926 a year

View Chart as Image

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

Auto insurance rates for a Volvo S80 can also vary considerably based on policy deductibles and limits, your driving record, and the model of your S80.

Opting for high physical damage deductibles could save up to $250 a year, while buying higher liability limits will push rates upward. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $398 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles may only pay around $900 per year on average for full coverage. Rates are highest for teen drivers, since even excellent drivers will have to pay in the ballpark of $3,900 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you may be forking out anywhere from $1,200 to $1,600 in extra premium per year, depending on your age. A high-risk auto insurance policy can cost around 41% to 137% more than the average rate. View High Risk Driver Rates

Where you live makes a big difference in Volvo S80 insurance rates. A 40-year-old driver could pay as low as $700 a year in states like Utah, Ohio, and New Hampshire, or at least $1,320 on average in New York, Michigan, 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

With so much variability in rates, the best way to find out who has the cheapest auto insurance rates is to get quotes and see how they stack up. Every company utilizes a different rate formula, and quoted rates can be significantly different.

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 Shop for the Best Volvo S80 Insurance

Saving money on auto insurance not only requires avoiding accidents and violations, but also having a good credit score, eliminating unnecessary coverage, and not having any coverage lapses. Take the time to comparison shop every year by obtaining price quotes from direct companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The list below is a brief recap of the coverage data touched on in the above illustrations.

  • You may be able to save around $110 per year simply by quoting early and online
  • Increasing deductibles could save as much as $250 each year
  • Teenagers have the highest car insurance rates, with premiums as much as $327 per month if comprehensive and collision insurance is included
  • Drivers who tend to receive serious violations could be forced to pay on average $1,120 more per year for car insurance

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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