Volvo S80 Insurance Rates
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Michelle Robbins
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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 costs around $160 a year, collision costs $216, and liability is $442. Buying just liability costs around $496 a year, with insurance for high-risk drivers costing around $2,096. 16-year-old drivers cost the most to insure at $3,926 a year or more.
Average premium for full coverage: $976
Policy rates for type of insurance:
Full coverage includes $500 comprehensive and collision deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all 50 states and S80 trim levels.
Price Range Variability
For a driver in their 40's, Volvo S80 insurance rates go from the low end price of $496 for just liability insurance to a high of $2,096 for high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large 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 congested cities.
The diagram below illustrates how location helps determine auto insurance rates.
The examples above illustrate why it is important to compare rates quotes for a specific zip code, instead of making a decision based on 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.
More Rate Details
The chart below illustrates estimated Volvo S80 insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $595
- Raising to $1,000 deductibles will save about $890 each year
- The estimated price for a good driver age 40 using $500 deductibles is $976
- Buying low $100 deductibles bumps up the cost to $1,138
- Drivers with multiple tickets or accidents could pay at least $2,096 or more
- Policy cost that insures a 16-year-old driver can be $3,926
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 is expensive and can cost from 41% to 137% more than the average rate. View High Risk Driver Rates
Older drivers with a clean driving record and higher comprehensive and collision deductibles may pay as low as $900 every 12 months on average, or $75 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records can expect to pay as much as $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 $640 a year in states like Vermont, Wisconsin, and North Carolina, or 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% |
Opting for high physical damage deductibles can reduce rates by up to $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 more per year. 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. Every auto insurance company utilizes a different rate formula, so the rates 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 More Affordable Volvo S80 Insurance
Finding cheaper rates on insurance for a Volvo S80 consists of avoiding accidents and violations, having above-average credit, being claim-free, and insuring your home and auto with the same company. Comparison shop every couple of years by getting rate quotes from direct insurance companies, and also from insurance agencies where you live.
The list below is a summary of the material that was covered in the charts and tables above.
- Insureds who may need higher liability limits will pay around $490 annually to raise from a 30/60 limit to the 250/500 level
- Teenagers pay higher rates, possibly costing $327 each month if full coverage is included
- Drivers considered higher risk who have multiple accidents or major violations could be forced to pay on average $1,120 more every year for car insurance
- Increasing comprehensive and collision deductibles can save approximately $250 each year
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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