Volvo S80 Insurance Rates

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UPDATED: Apr 28, 2024

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The average auto insurance rates for a Volvo S80 are $976 annually for full coverage insurance. Comprehensive insurance costs on average $160, collision costs $216, and liability costs around $442. A liability-only policy costs as low as $496 a year, with high-risk insurance costing $2,096 or more. Teen drivers cost the most to insure at $3,926 a year or more.

Average premium for full coverage: $976

Policy rates by type of insurance:

Comprehensive $160
Collision $216
Liability $442

These estimates include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all 50 states and for all S80 models.

Price Range Variability

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

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

Urban vs. Rural Price Range

Where you live can have significant affects on insurance rates. Rural areas are shown to have fewer physical damage claims than larger metro areas.

The example below illustrates the difference between rural and urban areas on car insurance rates.

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

The examples above illustrate why everyone should compare prices based on a specific location and their own personal driving habits, instead of 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.

More Rate Details

The chart below illustrates estimated Volvo S80 insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $595
  • Using higher $1,000 deductibles will save around $86 each year
  • The estimated rate for a good driver age 40 with $500 deductibles is $976
  • Choosing pricier low deductibles for physical damage coverage costs an additional $162 every year
  • Drivers with multiple violations and an at-fault accident could pay upwards of $2,096 or more
  • Policy cost with full coverage for a teen driver for full coverage may cost $3,926 or more

View Chart as Image

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

Car insurance rates for a Volvo S80 also range considerably based on the model year and trim level, your risk profile, and policy deductibles and limits.

A more mature driver with no driving violations and high physical damage deductibles may pay as little as $900 a year, or $75 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will be charged upwards of $3,900 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are probably paying at a minimum $1,200 to $1,600 extra every year, depending on your age. Volvo S80 insurance for high-risk drivers can be as much as 41% to 137% more than average. View High Risk Driver Rates

Choosing high deductibles could cut rates by as much as $250 every year, whereas buying more liability protection will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $398 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Volvo S80 insurance prices. A driver around age 40 might see rates as low as $640 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,320 on average in Michigan, New York, and Florida.

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

Because rates have so much variability, the only way to figure out exactly what you will pay is to regularly compare rates and see which company has the best rate. Each insurance company uses a different rate calculation, so rate quotes will be varied 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
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 Buy Cheap Volvo S80 Insurance

Finding cheaper rates on car insurance requires being a low-risk driver, having a good credit score, being claim-free, and maximizing policy discounts. Set aside time to compare rates every time your policy renews by requesting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The items below are a brief summary of the information covered above.

  • It is possible to save as much as $110 per year simply by quoting online well ahead of the renewal date
  • Teen drivers are expensive to insure, possibly costing $327 each month if comprehensive and collision insurance is included
  • Increasing comprehensive and collision deductibles could save up to $250 each year
  • Higher risk drivers that tend to have accidents or serious violations may pay on average $1,120 more each year to insure their S80
  • Policyholders who require more liability coverage will pay about $490 annually to increase from a 30/60 limit to higher 250/500 limits

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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