Volvo S80 Insurance Rates

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UPDATED: Apr 28, 2024

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U.S. average auto insurance rates for a Volvo S80 are $976 annually with full coverage. Comprehensive costs on average $160, collision costs $216, and liability insurance costs around $442. Liability-only coverage costs as low as $496 a year, with high-risk coverage costing around $2,096. 16-year-old 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

Rates are based on $500 deductible amounts, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all U.S. states and for all S80 models.

Price Range from Low to High

For the average 40-year-old driver, Volvo S80 insurance prices go from as cheap as $496 for minimum levels of liability insurance to the much higher price 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

Where you live has a significant impact on auto insurance rates. Rural areas have fewer collision claims than congested cities.

The example below illustrates the difference location can make on car insurance rates.

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

The ranges above demonstrate why everyone should compare prices based on a specific location and their own personal driving habits, rather than relying 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.

Additional Rate Details

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

  • The best full coverage rate is $595
  • Using higher $1,000 deductibles will save around $86 annually
  • The estimated rate for the average middle-age driver with $500 deductibles is $976
  • Buying pricier low deductibles for physical damage coverage will cost $1,138
  • Drivers with multiple tickets or accidents could pay upwards of $2,096 or more
  • The price 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 rates range from $595 to $3,926

Auto insurance prices for a Volvo S80 are also quite variable based on the trim level and model year, your driving record, and policy deductibles and limits.

A more mature driver with a good driving record and high physical damage deductibles could pay as little as $900 a year for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will have to pay upwards of $3,900 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out at a minimum $1,200 to $1,600 in extra premium each year, depending on your age. Volvo S80 insurance for high-risk drivers can be anywhere from 41% to 137% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could cut prices by as much as $250 each year, whereas buying more liability protection will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $398 extra every year. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Volvo S80 insurance rates. A driver around age 40 might see prices as low as $700 a year in states like New Hampshire, Ohio, and Utah, or at least $1,320 on average in Florida, Michigan, and New York.

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

Since prices can be so different, the best way to find out exactly what you will pay is to regularly compare prices from as many companies as possible. Each insurance company utilizes a different rate formula, and quoted prices may be quite different 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 the Best Cheap Volvo S80 Insurance

Getting lower rates on Volvo S80 insurance requires having a good driving record, having above-average credit, avoid buying unnecessary coverage, and taking advantage of discounts. Make time to compare rates once a year by obtaining price quotes from direct companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The next list is a quick review of the data that was touched on in this article.

  • You may be able to save as much as $110 per year simply by quoting online well ahead of the renewal date
  • Drivers who require increased levels of liability coverage will pay around $490 every year to increase from a low limit to higher 250/500 limits
  • Drivers age 20 and younger are charged the highest prices, costing up to $327 a month if full coverage is included
  • High-risk drivers with a DUI or reckless driving violation pay an average of $1,120 more each 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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