Volvo S80 Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Apr 28, 2024
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The average insurance rates for a Volvo S80 are $976 a year for full coverage insurance. Comprehensive insurance costs around $160 a year, collision costs $216, and liability is estimated at $442. A liability-only policy costs approximately $496 a year, with high-risk insurance costing $2,096 or more. Teens cost the most to insure at $3,926 a year or more.
Average premium for full coverage: $976
Policy rates for type of insurance:
Prices include $500 deductible amounts, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and S80 trim levels.
Price Range Variability
For a 40-year-old driver, Volvo S80 insurance rates go from the low end price of $496 for minimum levels of liability insurance to a high of $2,096 for a driver who has had serious violations or accidents.
Urban vs. Rural Price Range
Living in a larger city can make a big difference on car insurance rates. Areas with sparse population are shown to have lower incidents of physical damage claims than cities with more traffic congestion.
The diagram below illustrates how your location can change auto insurance rates.
The examples above illustrate why it is important to get quotes for a specific zip code, 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.
Additional Rate Details
The chart below illustrates estimated Volvo S80 insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $595
- Choosing higher $1,000 deductibles can save about $890 each year
- The estimated price for a good driver age 40 using $500 deductibles is $976
- Selecting low $100 deductibles for comp and collision coverage will cost an additional $162 annually
- Higher-risk drivers with serious driving violations could pay at least $2,096 or more
- Policy cost that insures a 16-year-old driver can be $3,926 each year
Car insurance rates for a Volvo S80 also range considerably based on the trim level of your S80, your age and driving record, and deductibles and policy limits.
If you have a few points on your driving record or you caused an accident, you are probably paying at least $1,200 to $1,600 extra every year, depending on your age. A high-risk auto insurance policy ranges from 41% to 137% more than the average policy. View High Risk Driver Rates
Older drivers with no driving violations and higher comprehensive and collision deductibles may pay as low as $900 annually on average, or $75 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will be charged as much as $3,900 a year. View Rates by Age
Your home state plays a big part in determining prices for Volvo S80 insurance prices. A good driver about age 40 could pay as low as $640 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,320 on average in Michigan, New York, and Florida.
| 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% |
Choosing higher comprehensive and collision insurance deductibles can save as much as $250 annually, while buying higher liability limits will increase rates. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $398 extra every 12 months. View Rates by Deductible or Liability Limit
Because rates have so much variability, the only way to figure out your exact price is to get quotes from multiple companies. Each auto insurer calculates rates differently, so rate quotes will be varied.
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 Find the Right Volvo S80 Insurance
Finding cheaper rates on insurance for a Volvo S80 takes having a good driving record, having a positive credit history, being claim-free, and qualifying for all possible discounts. Compare rates every other policy renewal by getting quotes from direct insurance companies, and also from insurance agencies where you live.
The next list is a quick rundown of the ideas that were illustrated above.
- Drivers age 20 and younger are the costliest to insure, possibly costing $327 each month if full coverage is purchased
- Drivers considered higher risk with reckless driving or DUI convictions could be forced to pay on average $1,120 more every year to buy Volvo S80 insurance
- Increasing comprehensive and collision deductibles can save approximately $250 each year
- It is possible to save up to $110 per year simply by quoting early and online
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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