Volvo S80 Insurance Rates

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UPDATED: Apr 28, 2024

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Average insurance prices for a Volvo S80 are $976 every 12 months including full coverage. Comprehensive costs an estimated $160, collision costs $216, and liability coverage costs $442. Liability-only coverage costs as little as $496 a year, with high-risk coverage costing around $2,096. Teens receive the highest rates at $3,926 a year or more.

Average premium for full coverage: $976

Rate estimates broken down by individual coverage type:

Comprehensive $160
Collision $216
Liability $442

Includes $500 physical damage deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 U.S. states and for different S80 trim levels.

Price Range by Coverage and Risk

For the average 40-year-old driver, prices range go from the cheapest price of $496 for just the minimum liability insurance to a much higher rate of $2,096 for high-risk insurance.

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

Price Range by Location

Your location has a large influence on the price of auto insurance. More rural locations tend to have more infrequent comprehensive and collision claims than cities with more traffic congestion.

The price range example below illustrates the difference location can make on insurance prices.

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

These examples highlight why anyone shopping for car insurance should compare rates for a targeted area and their own driving history, 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.

Additional Rate Analysis

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

  • The cheapest rate after discounts is $595
  • Drivers who choose higher $1,000 deductibles will pay approximately $86 every year
  • The average price for a 40-year-old driver who has $500 deductibles is $976
  • Selecting more expensive low deductibles for comprehensive and collision insurance increases the price to $1,138
  • High-risk insureds with serious driving violations could pay up to $2,096 or more
  • The cost to insure a teenage driver with full coverage can cost as much as $3,926 a 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 can also vary considerably based on policy deductibles and limits, your driving characteristics, and the model year and trim level.

Choosing higher comprehensive and collision insurance deductibles could save up to $250 a year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $398 extra every 12 months. View Rates by Deductible or Liability Limit

An older driver with no driving violations and higher deductibles may only pay around $900 per year on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will be charged at least $3,900 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are likely paying $1,200 to $1,600 extra per year, depending on your age. High-risk driver insurance can cost around 41% to 137% more than the average policy. View High Risk Driver Rates

Where you live makes a big difference in Volvo S80 insurance rates. A 40-year-old driver could pay as low as $750 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,390 on average in Louisiana, New York, 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

With so much variability in rates, the best way to figure out which company is cheapest is to compare rates and see how they stack up. Every company calculates rates differently, so rate quotes can be significantly different.

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 Shop for the Cheapest Volvo S80 Insurance

Saving money on auto insurance not only requires being a safe and courteous driver, but also maintaining a good credit score, not filing small claims, and not having any coverage lapses. Make time to compare rates every couple of years by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.

Below is a recap of the material that was touched on in this article.

  • Consumers who want higher levels of liability will pay approximately $490 per year to go from a minimum limit to a 250/500 level
  • Teenage drivers have the highest car insurance rates, as much as $327 per month if the policy includes full coverage
  • Drivers that have major violations or accidents may have to pay on average $1,120 more annually for auto insurance
  • Increasing deductibles could save as much as $250 each year

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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