Volvo S80 Insurance Rates

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UPDATED: Apr 28, 2024

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

Average premium for full coverage: $976

Policy rates broken down by type of insurance:

Comprehensive $160
Collision $216
Liability $442

Estimates include $500 deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all states and for different S80 trim levels.

Price Range Variability

For a driver around age 40, Volvo S80 insurance rates go from as low as $496 for basic liability insurance to a much higher rate of $2,096 for a driver who requires high-risk insurance.

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

Urban vs. Rural Price Range

Living in a larger city has a significant impact on insurance rates. More rural locations are shown to have a lower frequency of accident claims than cities with more traffic congestion.

The price range example below illustrates the difference between rural and urban areas on insurance prices.

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

The examples above show why anyone shopping for car insurance should get quotes for a targeted area and risk profile, rather than relying on 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.

Rate Comparisons

The chart below shows estimated Volvo S80 insurance rates for other coverage scenarios.

  • The cheapest rate after discounts is $595
  • Choosing higher $1,000 deductibles can save approximately $86 a year
  • The average rate for a good driver age 40 who has $500 deductibles is $976
  • Selecting more expensive low deductibles for comp and collision coverage will increase the cost to $1,138
  • High-risk insureds with serious driving violations could pay up to $2,096 or more
  • Policy cost for full coverage for a teen driver with full coverage can cost as much as $3,926 each year

View Chart as Image

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

Car insurance rates for a Volvo S80 also range considerably based on your risk profile, the trim level of your S80, and liability limits and deductibles.

An older driver with no driving violations and high deductibles could pay as little as $900 annually on average, or $75 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged at least $3,900 a year. View Rates by Age

Your home state plays a big part in determining prices for Volvo S80 insurance rates. A good driver about age 40 could pay as low as $640 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,390 on average in New York, Louisiana, and Michigan.

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 each year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $398 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying $1,200 to $1,600 extra every year, depending on your age. High-risk driver insurance ranges anywhere from 41% to 137% more than the average policy. View High Risk Driver Rates

Because rates have so much variability, the only way to know which auto insurance is cheapest is to compare rates from as many companies as possible. Each auto insurer calculates rates differently, so rate quotes will be varied from one company to the next.

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 Low Cost Volvo S80 Insurance

Finding cheaper rates on Volvo S80 insurance takes not taking risks behind the wheel, having above-average credit, avoid buying unnecessary coverage, and not having any coverage lapses. Set aside time to compare rates at every other renewal by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The following is a review of the concepts that were covered above.

  • High-risk drivers who have several accidents or serious violations pay an average of $1,120 more annually for S80 insurance
  • Teens have the highest car insurance rates, costing up to $327 each month if full coverage is included
  • Drivers can save approximately $110 per year simply by shopping early and online
  • Increasing comprehensive and collision deductibles can save around $250 each year
  • Drivers can save approximately $110 per year simply by shopping early and online

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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