Volvo S80 Insurance Rates

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UPDATED: Apr 28, 2024

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Estimated insurance prices for a Volvo S80 are $976 every 12 months for full coverage insurance. Comprehensive insurance costs on average $160 a year, collision insurance costs $216, and liability costs around $442. A policy with only liability insurance costs as low as $496 a year, and a high-risk policy costs $2,096 or more. Teens pay the most at up to $3,926 a year.

Average premium for full coverage: $976

Premium estimates by type of coverage:

Comprehensive $160
Collision $216
Liability $442

Includes $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 states and S80 trim levels.

Insurance Price Range by Risk and Coverage

For a driver around age 40, insurance rates for a Volvo S80 range from the cheapest price of $496 for your basic liability-only policy to a high of $2,096 for a policy for a high-risk driver.

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

Insurance Price Range by Location

Where you live can make a big difference on insurance rates. Rural areas are statistically proven to have more infrequent physical damage claims than cities with more traffic congestion. The diagram below illustrates the difference between rural and urban areas on car insurance rates.

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

These rate differences illustrate why it is important to compare prices based on a specific location and their own driving history, instead of making a decision based 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.

More Rate Information

The chart below illustrates average Volvo S80 insurance rates for different risk profiles and scenarios.

  • The cheapest rate after discounts is $595
  • Using higher $1,000 deductibles will save around $890 each year
  • The average price for a 40-year-old good driver with $500 deductibles is $976
  • Selecting low $100 deductibles for physical damage coverage costs an extra $162 annually
  • High-risk insureds with serious driving violations could pay upwards of $2,096
  • An auto insurance policy to insure a 16-year-old driver may cost $3,926 or more

View Chart as Image

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

Car insurance prices for a Volvo S80 also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the trim level of your S80.

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $250 annually, while buying higher liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $398 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles may pay as low as $900 a year, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will be charged upwards of $3,900 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are probably paying at a minimum $1,200 to $1,600 extra annually, depending on your age. A high-risk auto insurance policy can be from 41% to 137% more than the average policy. View High Risk Driver Rates

Where you choose to live has a huge impact on Volvo S80 insurance prices. A driver around age 40 might see prices as low as $640 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,320 on average in Michigan, New York, and Florida.

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

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

Finding better rates on insurance for a Volvo S80 requires having a decent driving record, maintaining a good credit score, paying for small claims out-of-pocket, and possibly raising deductibles. Set aside time to compare rates every year by requesting rates from direct insurance companies, and also from several local insurance agents.

The following items are a recap of the coverage data covered above.

  • It is possible to save as much as $110 per year just by quoting early and online
  • Increasing policy deductibles could save as much as $250 each year
  • 16 to 18-year-old drivers are expensive to insure, with premiums being up to $327 per month if the policy includes full coverage
  • Drivers considered higher risk that have major violations or accidents pay on average $1,120 more each year than a driver with a clean driving record

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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