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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U.S. average insurance rates for a Volvo S80 are $976 a year for full coverage. Comprehensive costs around $160, collision insurance costs $216, and liability coverage is $442. Buying just liability costs around $496 a year, and insurance for high-risk drivers costs around $2,096. Teenage drivers pay the highest rates at up to $3,926 a year.

Average premium for full coverage: $976

Price estimates for individual coverage:

Comprehensive $160
Collision $216
Liability $442

Price estimates include $500 policy deductibles, 30/60 liability coverage, and includes medical and uninsured motorist coverage. Estimates are averaged for all states and for all S80 models.

Price Range from Low to High

For a driver around age 40, Volvo S80 insurance prices range from as low as $496 for just liability coverage to the much higher price of $2,096 for a policy for a high-risk driver.

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

Geographic Price Range

Choosing to live in a large city has a large influence on auto insurance rates. Areas with sparse population have a lower frequency of accident claims than densely populated cities. The example below illustrates the difference between rural and urban areas on auto insurance rates.

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

The ranges above show why everyone should compare rates quotes for a specific zip code and risk profile, rather than using average rates.

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 shows average Volvo S80 insurance rates for additional coverage choices and driver risks.

  • The best discount rate is $595
  • Raising to $1,000 deductibles will save about $86 a year
  • The average rate for the average middle-age driver using $500 deductibles is $976
  • Using pricier low deductibles will increase the cost to $1,138
  • Unlucky drivers who are prone to accidents and violations could pay at least $2,096
  • The price for full coverage for a teenage driver for full coverage can be $3,926

View Chart as Image

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

Insurance prices for a Volvo S80 are also quite variable based on your driving record, the trim level of your S80, and deductibles and policy limits.

A more mature driver with no violations or accidents and high deductibles may only pay around $900 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even good drivers should be prepared to pay as much as $3,900 a year. View Rates by Age

The state you live in also has a big influence on Volvo S80 insurance rates. A middle-age driver might find prices as low as $640 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $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

Using high physical damage deductibles can reduce prices by up to $250 a year, whereas buying more liability protection will increase prices. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $398 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying at least $1,200 to $1,600 additional each year, depending on your age. Volvo S80 insurance for high-risk drivers is expensive and can cost around 41% to 137% more than a normal policy. View High Risk Driver Rates

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 Cheaper Volvo S80 Insurance

Getting lower rates on auto insurance consists of being a good driver, having a good credit history, eliminating unnecessary coverage, and deciding if full coverage is necessary. Set aside time to compare rates every year by obtaining price quotes from direct carriers like Progressive and GEICO, and also from local insurance agents.

The following list is a condensed summary of the coverage data covered above.

  • Drivers can save up to $110 per year just by quoting online well ahead of the renewal date
  • Increasing physical damage deductibles can save around $250 each year
  • Drivers age 16 to 20 are charged the highest prices, with premiums as much as $327 a month including comprehensive and collision insurance
  • Drivers with multiple at-fault accidents may be required to pay an average of $1,120 more every year than a safer driver

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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