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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Estimated auto insurance rates for a Volvo S80 are $976 annually including full coverage. Comprehensive costs around $160, collision costs $216, and liability costs $442. Liability-only coverage costs as little as $496 a year, with high-risk coverage costing around $2,096. Teenage drivers pay the most at $3,926 a year or more.
Average premium for full coverage: $976
Premium estimates for type of coverage:
Rates are based on $500 policy deductibles, 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 for different S80 trim levels.
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 much higher rate of $2,096 for a driver who has had serious violations or accidents.
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 densely populated cities.
The price range example below illustrates how location impacts auto insurance rates.
These rate differences highlight why anyone shopping for car insurance should compare rates for a specific zip code and their own personal driving habits, instead of using average rates.
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 discount 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
- Using more expensive low deductibles for comprehensive and collision insurance will cost $1,138
- Higher-risk drivers who are prone to accidents and violations could pay at least $2,096 or more
- An auto insurance policy with full coverage for a teen driver with full coverage can be $3,926 a year
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.
An older driver with a clean driving record and high physical damage deductibles may pay as little as $900 per year on average, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they can expect 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 extra annually, depending on your age. High-risk driver insurance can cost as much as 41% to 137% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could save up to $250 every year, while increasing your policy's liability limits will increase prices. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $398 more per 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 be forced to pay as much as $1,390 on average in Michigan, New York, and Louisiana.
| 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% |
With such a large range in prices, the best way to figure out your exact price is to compare prices and see which company has the best price. Every company uses a different method to calculate prices, so the prices will be substantially different between companies.
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 | $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 the Best Cheap Volvo S80 Insurance
Finding better rates on car insurance not only requires being a good driver, but also having a good credit history, refrain from filing small claims, and insuring your home and auto with the same company. 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 following list is a quick review of the ideas that were touched on above.
- Drivers age 16 to 20 pay higher prices, with the cost nearing $327 per month including comprehensive and collision insurance
- Higher risk drivers with a DUI or reckless driving violation may pay on average $1,120 more every year than a safer driver
- Increasing policy deductibles could save up to $250 each year
- You may be able to save up to $110 per year simply by shopping 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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