Volvo S80 Insurance Rates
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Michelle Robbins
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UPDATED: Apr 28, 2024
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Average auto insurance rates for a Volvo S80 are $976 annually with full coverage. Comprehensive insurance costs around $160 a year, collision insurance costs $216, and liability is estimated at $442. Liability-only coverage costs approximately $496 a year, and high-risk coverage costs $2,096 or more. 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:
Full coverage includes $500 comprehensive and collision deductibles, 30/60 liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all U.S. states and S80 trim levels.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range range from as cheap as $496 for the bare minimum liability coverage to a high of $2,096 for a driver required to buy high-risk insurance.
Price Range by Location
Living in a larger city can have significant affects on insurance rates. Areas with sparse population tend to have fewer collision claims than congested cities. The diagram below illustrates how rural and urban location affects auto insurance rates.
These examples demonstrate why it is important to get quotes for a specific zip code and their own personal driving habits, instead of 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.
Additional Rate Information
The chart below details average Volvo S80 insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $595
- Choosing higher $1,000 deductibles can save about $890 annually
- The estimated rate for a 40-year-old driver using $500 deductibles is $976
- Buying low $100 deductibles for comp and collision coverage costs an additional $162 every year
- Unlucky drivers with multiple tickets or accidents could pay at least $2,096
- The cost with full coverage for a teen driver can be $3,926 each year
Car insurance rates for a Volvo S80 can also vary considerably based on the trim level of your S80, your driving record, and deductibles and policy limits.
Older drivers with no driving violations and high physical damage deductibles may pay as little as $900 annually on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will be charged as much as $3,900 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you may be forking out at least $1,200 to $1,600 extra per year, depending on your age. A high-risk auto insurance policy ranges as much as 41% to 137% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can save as much as $250 every year, while buying higher liability limits will increase rates. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $398 extra every 12 months. View Rates by Deductible or Liability Limit
Where you live plays a big part in determining prices for Volvo S80 insurance prices. A good driver about age 40 could pay as low as $700 a year in states like New Hampshire, Ohio, and Utah, or at least $1,320 on average in Florida, Michigan, and New York.
| 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% |
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 Buy More Affordable Volvo S80 Insurance
Saving money on car insurance takes having a decent driving record, having a good credit score, eliminating unnecessary coverage, and consideration of higher deductibles. Set aside time to shop around at every policy renewal by getting quotes from direct companies like Progressive and GEICO, and also from local exclusive and independent agents.
The following items are a summary of the data raised in the charts and tables above.
- Policyholders who may need additional liability coverage will pay around $490 every year to raise limits from a minimum limit to higher 250/500 limits
- You may be able to save up to $110 per year just by quoting early and online
- Increasing deductibles could save up to $250 each year
- 16 to 18-year-old drivers are the costliest to insure, with premiums as much as $327 per month if comprehensive and collision insurance is included
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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