Volvo S80 Insurance Rates

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Compare 2016 Volvo S80 Car Insurance Quotes in 2025

Want lower car insurance rates? Drivers have options when trying to find the best price on Volvo S80 insurance. You can either waste hours calling around trying to get quotes or leverage the internet to find the lowest rates. There are more efficient ways to shop for car insurance and you need to know the proper way to compare rates for your Volvo and get the cheapest rates from both online compan...

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Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...

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UPDATED: Apr 28, 2024

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Estimated insurance rates for a Volvo S80 are $976 a year for full coverage. Comprehensive insurance costs on average $160, collision costs $216, and liability insurance costs $442. Liability-only coverage costs as little as $496 a year, with high-risk coverage costing $2,096 or more. 16-year-old drivers pay the most at $3,926 a year or more.

Average premium for full coverage: $976

Premium estimates by type of coverage:

Comprehensive $160
Collision $216
Liability $442

Estimates include $500 policy deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all states and for all S80 models.

Insurance Price Range by Risk and Coverage

For a driver around age 40, insurance rates for a Volvo S80 go from the low end price of $496 for the bare minimum liability coverage to the much higher price of $2,096 for a high-risk insurance policy.

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

Insurance Price Range by Location

Your location has a significant impact on car insurance rates. Rural areas are statistically proven to have lower incidents of accident claims than congested cities.

The example 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 show why everyone should compare rates based on a specific location, rather than relying on rate 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.

Additional Rate Information

The chart below shows estimated Volvo S80 insurance rates for different risk profiles and scenarios.

  • The best full coverage rate is $595
  • Drivers who choose higher $1,000 deductibles will pay around $86 a year
  • The estimated price for a 40-year-old good driver with $500 deductibles is $976
  • Buying pricier low deductibles for comprehensive and collision insurance will cost an additional $162 a year
  • High risk drivers with multiple tickets or accidents could pay upwards of $2,096 or more
  • An auto insurance policy that insures a teen driver for full coverage may cost $3,926 a year

View Chart as Image

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

Insurance prices for a Volvo S80 also have a wide range based on the model of your S80, how you drive, and policy deductibles and limits.

If you have a few violations or you caused an accident, you could be paying at a minimum $1,200 to $1,600 extra annually, depending on your age. Volvo S80 insurance for high-risk drivers can cost anywhere from 41% to 137% more than the average rate. View High Risk Driver Rates

A more mature driver with a clean driving record and higher comprehensive and collision deductibles could pay as little as $900 per year on average, or $75 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records can expect to pay upwards of $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 $640 a year in states like Idaho, Maine, and Iowa, or at least $1,390 on average in Michigan, Louisiana, 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

Opting for high physical damage deductibles could save up to $250 each year, whereas buying more liability protection will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $398 more per year. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to know exactly what you will pay is to regularly compare prices from as many companies as possible. Every company utilizes a different rate formula, so the prices will be substantially 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 Find Low Cost Volvo S80 Insurance

Finding better rates on Volvo S80 insurance not only requires being safe and accident-free, but also having above-average credit, not filing small claims, and bundling your home and auto policies. Comparison shop at least every other year by requesting rates from direct carriers, and also from local exclusive and independent agents.

Below you'll find a review of the car insurance concepts covered above.

  • High-risk drivers who have several accidents or serious violations may pay on average $1,120 more each year than a low-risk driver
  • Drivers can save as much as $110 per year simply by quoting online well ahead of the renewal date
  • Increasing policy deductibles can save approximately $250 each year
  • Drivers who require more liability protection will pay around $490 each year to go from 30/60 bodily injury limits to the 250/500 level

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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