Volvo S80 Insurance Rates
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UPDATED: Jun 2, 2023
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The average insurance rates for a Volvo S80 are $976 a year including full coverage. Comprehensive costs approximately $160 each year, collision insurance costs $216, and liability costs $442. Liability-only coverage costs as little as $496 a year, and high-risk coverage costs around $2,096. 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:
Includes $500 deductible amounts, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and S80 models.
Price Range Variability
For a driver in their 40's, Volvo S80 insurance rates range from as low as $496 for liability-only coverage to a high rate of $2,096 for coverage for higher-risk drivers.
Urban vs. Rural Price Range
Your location can have significant affects 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 graphic below illustrates how location helps determine auto insurance prices.
The examples above highlight why all drivers should compare rates using their specific location and risk profile, instead of using 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 Charts and Tables
The chart below breaks down average Volvo S80 insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $595
- Drivers who choose higher $1,000 deductibles will pay $86 every year
- The average rate for a good driver age 40 who chooses $500 deductibles is $976
- Selecting low deductibles for comprehensive and collision insurance will increase the cost to $1,138
- Higher-risk drivers with serious driving violations could pay around $2,096
- Policy cost for full coverage for a teen driver can cost $3,926 a year
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.
More mature drivers with no violations or accidents and high deductibles may pay as little as $900 per year on average, or $75 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay in the ballpark of $3,900 a year. View Rates by Age
Your home state 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 Vermont, New Hampshire, and Missouri, or have to pay at least $1,390 on average in Louisiana, New York, and Michigan.
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 could save up to $250 every year, whereas increasing liability limits will push rates upward. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $398 more each 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 additional every year, depending on your age. Insurance for high-risk drivers can cost as much as 41% to 137% more than the average policy. View High Risk Driver Rates
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 |
---|---|---|---|---|
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 Find the Cheapest Volvo S80 Insurance
Finding cheaper rates on car insurance not only requires having a good driving record, but also having a good credit history, paying for small claims out-of-pocket, and consideration of higher deductibles. Invest time comparing rates at least once a year by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.
The next list is a recap of the primary concepts that were covered in the charts and tables above.
- You may be able to save around $110 per year just by quoting online in advance
- Higher risk drivers that have major violations or accidents could be forced to pay on average $1,120 more per year to buy Volvo S80 insurance
- Increasing comprehensive and collision deductibles can save around $250 each year
- Drivers age 20 and younger are the costliest to insure, with premiums being up to $327 each month including comprehensive and collision insurance
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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