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 costs around $160, collision insurance costs $216, and liability insurance costs $442. A liability-only policy costs as little as $496 a year, and high-risk insurance costs around $2,096. Teenage drivers pay the most at up to $3,926 a year.

Average premium for full coverage: $976

Premium estimates for type of coverage:

Comprehensive $160
Collision $216
Liability $442

Includes $500 comprehensive and collision deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates include averaging for all U.S. states and for all S80 models.

Insurance Price Range by Risk and Coverage

For a 40-year-old driver, insurance rates for a Volvo S80 range from as low as $496 for minimum levels of liability insurance 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

Your location has a significant impact on insurance rates. Areas with sparse population are statistically proven to have a lower frequency of collision claims than densely populated cities. The example below illustrates how your location can change auto insurance rates.

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

These rate differences demonstrate why everyone should compare rates for a specific zip code and risk profile, rather than relying on average rates.

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 Details

The chart below details average Volvo S80 insurance rates for additional coverage choices and driver risks.

  • The best discount rate is $595
  • Drivers who choose higher $1,000 deductibles will pay about $86 annually
  • The average rate for a 40-year-old good driver using $500 deductibles is $976
  • Using pricier low deductibles for comprehensive and collision insurance will increase the cost to $1,138
  • High risk drivers who are prone to accidents and violations could pay at least $2,096
  • An auto insurance policy for full coverage for a teen driver for full coverage can be $3,926 a year

View Chart as Image

Volvo S80 insurance cost comparison chart
Column chart showing Volvo S80 insurance rates 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 deductibles and policy limits.

A more mature driver with a good driving record and high deductibles could pay as little as $900 per year 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 as much as $3,900 a year. View Rates by Age

Where you choose to 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 New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,320 on average in Florida, Michigan, and New York.

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

Using high physical damage deductibles could save up to $250 each year, whereas buying more liability protection will increase prices. 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 at least $1,200 to $1,600 in extra premium annually, depending on your age. Volvo S80 insurance for high-risk drivers can cost anywhere from 41% to 137% more than a normal 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 Cheapest Volvo S80 Insurance

Finding better rates on Volvo S80 insurance not only requires avoiding accidents and violations, but also having good credit, being claim-free, and possibly raising deductibles. Invest the time to shop around once a year by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The list below is a recap of the data that was illustrated above.

  • You may be able to save up to $110 per year just by quoting online well ahead of the renewal date
  • Drivers who may need higher liability limits will pay an extra $490 every year to go from 30/60 bodily injury limits to 250/500 limits
  • Teenagers are expensive to insure, possibly costing $327 per 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 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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