Volvo S80 Insurance Rates

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UPDATED: Apr 28, 2024

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The average insurance rates for a Volvo S80 are $976 a year including full coverage. Comprehensive insurance costs approximately $160 a year, collision insurance costs $216, and liability is $442. Liability-only insurance costs around $496 a year, and high-risk driver insurance costs $2,096 or more. Teens cost the most to insure at up to $3,926 a year.

Average premium for full coverage: $976

Policy rates by type of insurance:

Comprehensive $160
Collision $216
Liability $442

Rates are based on $500 policy deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 U.S. states and S80 trim levels.

Price Range Variability

For a driver in their 40's, Volvo S80 insurance rates range from as low as $496 for your basic liability-only policy to a high of $2,096 for a driver required to buy high-risk insurance.

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

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on car insurance prices. Rural locations are shown to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion. The diagram below illustrates how location helps determine auto insurance prices.

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

The examples above highlight why it is important to compare rates quotes using their specific location and risk profile, 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 breaks down average Volvo S80 insurance rates for additional coverage and risk scenarios.

  • The cheapest rate after discounts is $595
  • Raising to $1,000 deductibles will save $890 every year
  • The average rate for a good driver age 40 who chooses $500 deductibles is $976
  • Selecting low $100 deductibles will cost an extra $162 annually
  • Drivers with serious driving violations could pay around $2,096
  • Policy cost for full coverage for a 16-year-old driver can cost $3,926

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

Auto insurance rates for a Volvo S80 also range considerably based on your risk profile, the model of your S80, and physical damage deductibles and liability limits.

Older drivers with a good driving record and high deductibles may pay as low as $900 every 12 months on average, or $75 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay in the ballpark of $3,900 a year. View Rates by Age

Your home state also has a big influence on Volvo S80 insurance prices. A middle-age driver might find rates 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

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $250 annually, while buying higher liability limits will push rates upward. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $398 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying anywhere from $1,200 to $1,600 in extra premium every year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 41% to 137% more than the average 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 the Best Cheap Volvo S80 Insurance

Finding cheaper rates on insurance for a Volvo S80 consists of avoiding accidents and claims, having good credit, paying for small claims out-of-pocket, and possibly higher deductibles. Invest time comparing rates at every policy renewal by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The points below are a quick review of the data covered in the charts and tables above.

  • Insureds who purchase increased liability limits will pay approximately $490 per year to raise from a 30/60 limit to 250/500 limits
  • You may be able to save around $110 per year just by quoting early and online
  • Increasing comprehensive and collision deductibles can save around $250 each year
  • Drivers under the age of 20 have the highest car insurance rates, with premiums being up to $327 each month if they have full coverage

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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