Volvo S80 Insurance Rates

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UPDATED: Apr 28, 2024

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Estimated insurance rates for a Volvo S80 are $976 a year with full coverage. Comprehensive insurance costs an estimated $160, collision insurance costs $216, and liability coverage is estimated at $442. A liability-only policy costs approximately $496 a year, and high-risk insurance costs $2,096 or more. Teens pay the most at up to $3,926 a year.

Average premium for full coverage: $976

Premium estimates broken down by type of coverage:

Comprehensive $160
Collision $216
Liability $442

Rate estimates include $500 deductible amounts, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all U.S. states and for all S80 models.

Insurance Price Range by Risk and Coverage

For the normal driver, insurance rates for a Volvo S80 range from as low as $496 for your basic liability-only policy to the much higher price of $2,096 for a driver that may need high-risk insurance.

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

Insurance Price Range by Location

Living in a larger city has a large influence on car insurance rates. More rural locations are statistically proven to have a lower frequency of collision claims than cities with more traffic congestion. The example below illustrates how geographic area affects insurance prices.

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

These rate differences demonstrate why everyone should get quotes 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.

More Rate Information

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

  • The cheapest rate after discounts is $595
  • Choosing higher $1,000 deductibles can save approximately $86 annually
  • The average rate for a 40-year-old good driver who has $500 deductibles is $976
  • Selecting pricier low deductibles for comp and collision coverage will cost an extra $162 each year
  • Drivers with serious driving violations could pay up to $2,096
  • An auto insurance policy for full coverage for a teenage driver for full coverage 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 prices for a Volvo S80 also have a wide range based on your driving characteristics, the trim level and model year, and liability limits and deductibles.

A more mature driver with a good driving record and high deductibles may only pay around $900 annually on average, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will have to pay at least $3,900 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Volvo S80 insurance rates. A good driver about age 40 could pay as low as $700 a year in states like Utah, Ohio, and New Hampshire, or have to pay 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

Choosing higher comprehensive and collision insurance deductibles can save as much as $250 a year, whereas buying more liability protection will increase premiums. Moving from a 50/100 limit to a 250/500 limit will cost up to $398 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you may be forking out $1,200 to $1,600 in extra premium annually, depending on your age. Volvo S80 insurance for high-risk drivers ranges around 41% to 137% more than the average policy. 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 the Best Volvo S80 Insurance

Finding better rates on auto insurance takes having a good driving record, having good credit, being claim-free, and consideration of higher deductibles. Invest the time to compare rates once a year by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The next list is a brief recap of the data that was presented in the illustrations above.

  • You may be able to save approximately $110 per year just by quoting online well ahead of the renewal date
  • Consumers who want increased levels of liability coverage will pay approximately $490 every year to raise limits from 30/60 bodily injury limits to 250/500 limits
  • Drivers age 20 and younger are the costliest to insure, possibly costing $327 per month if they have full coverage
  • Drivers who tend to receive serious violations may pay on average $1,120 more annually to buy Volvo S80 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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