Volvo S80 Insurance Rates
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Michelle Robbins
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UPDATED: Apr 28, 2024
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The average insurance rates for a Volvo S80 are $976 a year with full coverage. Comprehensive insurance costs around $160 a year, collision costs $216, and liability insurance costs around $442. Liability-only insurance costs as low as $496 a year, with high-risk driver insurance costing $2,096 or more. Teen drivers cost the most to insure at $3,926 a year or more.
Average premium for full coverage: $976
Policy rates for type of insurance:
Includes $500 physical damage deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all U.S. states and S80 trim levels.
Price Range Variability
For an average driver, Volvo S80 insurance rates go from as low as $496 for a discount liability-only rate to a high of $2,096 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Where you live has a significant impact on insurance rates. Areas with sparse population are shown to have a lower frequency of collision claims than larger metro areas.
The diagram below illustrates the effect of geographic area on auto insurance rates.
The examples above demonstrate why it is important to compare prices for a specific zip code and risk profile, rather than relying on price 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 choices and driver risks.
- The lowest rate with discounts is $595
- Using higher $1,000 deductibles will save about $890 annually
- The average rate for a good driver age 40 using $500 deductibles is $976
- Choosing low $100 deductibles for physical damage coverage will cost an extra $162 a year
- Drivers with multiple violations and an at-fault accident could pay at least $2,096 or more
- Policy cost for full coverage for a teen driver can be $3,926 or more
Auto insurance rates for a Volvo S80 also range considerably based on your risk profile, the trim level and model year, and deductibles and policy limits.
Older drivers with a good driving record and high deductibles could pay as little as $900 a year, or $75 per month, for full coverage. Rates are highest for teenagers, where even good drivers will have to pay as much as $3,900 a year. View Rates by Age
Your home state has a huge impact on Volvo S80 insurance rates. A driver around age 40 might see rates as low as $700 a year in states like New Hampshire, Ohio, and Utah, or as much as $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% |
Choosing high deductibles could cut rates by as much as $250 each year, while buying higher liability limits will increase rates. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $398 extra every year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you may be forking out at least $1,200 to $1,600 in extra premium every year, depending on your age. A high-risk auto insurance policy can be anywhere from 41% to 137% more than average. View High Risk Driver Rates
Because rates have so much variability, the best way to find out your exact price is to get quotes from as many companies as possible. Each insurance company uses a different rate calculation, and quoted rates will be varied from one company to the next.
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 Cheapest Volvo S80 Insurance
Finding cheaper rates on Volvo S80 insurance requires being a safe and courteous driver, having good credit, not filing small claims, and maximizing policy discounts. Take the time to compare rates once a year by requesting rates from direct companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.
Below is a recap of the data that was covered in the above illustrations.
- You may be able to save up to $110 per year simply by quoting early and online
- Drivers who may need higher levels of liability will pay about $490 every year to increase from a 30/60 limit to 250/500 limits
- Teenage drivers are expensive to insure, as much as $327 each month if they have full coverage
- High-risk drivers that have major violations or accidents pay an average of $1,120 more every year for auto insurance
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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