Volvo S80 Insurance Rates
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Michelle Robbins
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UPDATED: Apr 28, 2024
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The average insurance prices for a Volvo S80 are $976 every 12 months with full coverage. Comprehensive costs on average $160 each year, collision insurance costs $216, and liability coverage costs $442. Buying just liability costs as little as $496 a year, and insurance for high-risk drivers costs around $2,096. Teen drivers cost the most to insure at up to $3,926 a year.
Average premium for full coverage: $976
Policy rates by type of insurance:
Price estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all U.S. states and S80 models.
Price Range Variability
For the average driver, Volvo S80 insurance rates range from the cheapest price of $496 for just liability coverage to a high rate of $2,096 for high-risk insurance.
Urban vs. Rural Price Range
Your location has a large influence on auto insurance rates. Rural areas are shown to have more infrequent collision claims than larger metro areas. The graphic below illustrates how location impacts car insurance rates.
The examples above demonstrate why all drivers should compare rates based on a specific location and their own driving history, rather than using price 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.
Detailed Rate Analysis
The chart below details average Volvo S80 insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $595
- Drivers who choose higher $1,000 deductibles will pay around $86 annually
- The average price for a good driver age 40 with $500 deductibles is $976
- Choosing low deductibles for comprehensive and collision insurance increases the price to $1,138
- High-risk insureds with multiple violations and an at-fault accident could pay upwards of $2,096
- Policy cost to insure a teenage driver may cost $3,926 a year
Insurance rates for a Volvo S80 also range considerably based on liability limits and deductibles, your driving record, and the trim level of your S80.
Choosing high deductibles could save up to $250 a year, whereas increasing liability limits will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $398 more per year. View Rates by Deductible or Liability Limit
More mature drivers with a clean driving record and higher deductibles may only pay around $900 per year on average, or $75 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers can expect to pay upwards of $3,900 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you may be forking out at a minimum $1,200 to $1,600 extra every year, depending on your age. Insurance for high-risk drivers can cost around 41% to 137% more than average. View High Risk Driver Rates
Your home state 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 as much as $1,320 on average in Florida, Michigan, and New York.
| 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% |
Insurance Rates by Trim Level and Model Year
| 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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2016 Volvo S80 | $250 | $436 | $464 | $1,308 |
| 2008 Volvo S80 | $182 | $238 | $452 | $1,030 |
| 2007 Volvo S80 | $166 | $226 | $446 | $996 |
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 Cheaper Volvo S80 Insurance
Finding cheaper rates on auto insurance not only requires having a decent driving record, but also having good credit, not filing small claims, and determing if full coverage is necessary. Spend time shopping around every couple of years by getting rate quotes from direct companies, and also from local exclusive and independent agents.
The following items are a condensed summary of the material that was touched on above.
- Consumers who require additional liability coverage will pay about $490 every year to go from a 30/60 limit to a 250/500 level
- 16 to 18-year-old drivers pay the highest rates, as much as $327 each month if they have full coverage
- Drivers with multiple at-fault accidents may pay on average $1,120 more each year than a driver with a clean driving record
- Increasing comprehensive and collision deductibles could save as much as $250 each year
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,138 |
| $250 | $1,064 |
| $500 | $976 |
| $1,000 | $890 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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