Volvo S80 Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 28, 2024

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U.S. average insurance rates for a Volvo S80 are $976 a year for full coverage. Comprehensive costs approximately $160, collision costs $216, and liability is estimated at $442. Liability-only coverage costs approximately $496 a year, with high-risk coverage costing around $2,096. Teenage drivers pay the highest rates at $3,926 a year or more.

Average premium for full coverage: $976

Price estimates by individual coverage:

Comprehensive $160
Collision $216
Liability $442

Includes $500 deductible amounts, liability limits of 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all states and for different S80 trim levels.

Price Range from Low to High

For the average driver, Volvo S80 insurance prices go from the low end price of $496 for the bare minimum liability coverage to a much higher rate of $2,096 for a driver that may need high-risk insurance.

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

Geographic Price Range

Living in a larger city can have significant affects on car insurance rates. Rural locations have lower incidents of accident claims than densely populated cities.

The price range example below illustrates how location impacts auto insurance prices.

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

The ranges above show why anyone shopping for car insurance should get quotes using their specific location, 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 Rate Information

The chart below shows estimated Volvo S80 insurance rates for additional coverage and risk scenarios.

  • The best discount rate is $595
  • Choosing higher $1,000 deductibles can save $86 a year
  • The estimated price for the average middle-age driver who chooses $500 deductibles is $976
  • Using more expensive low deductibles for comp and collision coverage bumps up the cost to $1,138
  • Unlucky drivers who are prone to accidents and violations could pay around $2,096 or more
  • The price that insures a teen driver with full coverage can cost $3,926 each year

View Chart as Image

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

Auto insurance prices for a Volvo S80 are also quite variable based on the model year and trim level, how you drive, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you could be paying anywhere from $1,200 to $1,600 in extra premium each year, depending on your age. High-risk driver insurance ranges as much as 41% to 137% more than a normal policy. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles may pay as little as $900 annually on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will have to pay in the ballpark of $3,900 a year. View Rates by Age

The state you live in 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 Iowa, Maine, and Idaho, or be forced to pay as much as $1,390 on average in New York, Louisiana, and Michigan.

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

Using high physical damage deductibles can save as much as $250 every year, while increasing your policy's liability limits will push prices upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $398 extra every year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to know who has the cheapest car insurance prices is to compare prices and see which company has the best price. Each auto insurer uses a different method to calculate prices, and quoted prices may be quite different.

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 Find the Cheapest Volvo S80 Insurance

Getting lower rates on car insurance takes having a good driving record, maintaining a good credit score, eliminating unnecessary coverage, and not having any coverage lapses. Compare prices once a year by getting rate quotes from direct carriers, and also from insurance agencies where you live.

The next list is a recap of the data that was touched on above.

  • Drivers can save around $110 per year simply by shopping early and online
  • Policyholders who purchase increased levels of liability coverage will pay an extra $490 each year to raise limits from a low limit to the 250/500 level
  • Drivers age 20 and younger have the highest car insurance prices, with premiums as much as $327 a month if the policy includes full coverage
  • 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

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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