Volvo S80 Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 2, 2023

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

Average premium for full coverage: $976

Premium estimates for type of coverage:

Comprehensive $160
Collision $216
Liability $442

Rates are based on $500 deductible amounts, bodily injury liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and S80 models.

Insurance Price Range by Risk and Coverage

For the average driver, insurance rates for a Volvo S80 go from as cheap as $496 for liability-only coverage to a high rate of $2,096 for a driver who has had serious violations or accidents.

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

Insurance Price Range by Location

Your location can have significant affects on the price of insurance. Areas with sparse population are statistically proven to have fewer comprehensive and collision claims than congested cities.

The graphic below illustrates how location impacts auto insurance rates.

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

These rate differences highlight why all drivers should compare rates for a specific zip code and their own personal driving habits, instead of using 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 Charts and Tables

The chart below breaks down estimated Volvo S80 insurance rates for additional coverage choices and driver risks.

  • The best full coverage rate is $595
  • Drivers who choose higher $1,000 deductibles will pay about $86 every year
  • The estimated rate for a 40-year-old good driver using $500 deductibles is $976
  • Buying low deductibles for comprehensive and collision insurance will cost $1,138
  • Higher-risk drivers with multiple tickets or accidents could pay at least $2,096 or more
  • An auto insurance policy with full coverage for a teen driver can be $3,926 a year

View Chart as Image

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

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

More mature drivers with no violations or accidents and high physical damage deductibles may pay as little as $900 per year on average, or $75 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they should be prepared to pay as much as $3,900 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are likely paying at least $1,200 to $1,600 additional annually, depending on your age. Insurance for high-risk drivers can cost as much as 41% to 137% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could save up to $250 every year, whereas increasing liability limits will increase prices. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $398 more each year. View Rates by Deductible or Liability Limit

Where you choose to live makes a big difference in Volvo S80 insurance prices. A 40-year-old driver could pay as low as $750 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,390 on average in Michigan, New York, and Louisiana.

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

With such a large range in prices, the best way to figure out your exact price is to do a rate comparison and see which company has the best price. Every company utilizes a different rate formula, and prices will be substantially different between companies.

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
2008 Volvo S80 $188 $256 $468 $1,070
2007 Volvo S80 $184 $250 $460 $1,052
2005 Volvo S80 $166 $226 $446 $996
2004 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 Buy the Best Cheap Volvo S80 Insurance

Finding better rates on car insurance not only requires having a good driving record, but also having good credit, refrain from filing small claims, and taking advantage of discounts. Spend time shopping around every other policy renewal by requesting rates from direct car insurance companies, and also from your local independent and exclusive agents.

The next list is a quick review of the ideas that were touched on above.

  • Drivers age 20 and younger are charged the highest prices, with the cost nearing $327 per month if they have full coverage
  • Higher risk drivers with a DUI or reckless driving violation may pay on average $1,120 more every year to buy Volvo S80 insurance
  • Increasing policy deductibles could save up to $250 each year
  • You may be able to save up to $110 per year simply by quoting online in advance

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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