Volvo S80 Insurance Rates
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UPDATED: Apr 28, 2024
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Average auto insurance rates for a Volvo S80 are $976 annually for full coverage. Comprehensive costs an estimated $160, collision costs $216, and liability coverage is estimated at $442. Buying just liability costs approximately $496 a year, with insurance for high-risk drivers costing around $2,096. Teen drivers receive the highest rates at $3,926 a year or more.
Average premium for full coverage: $976
Rate estimates broken down by individual coverage type:
These estimates include $500 policy deductibles, liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all states and for all S80 models.
Price Range by Coverage and Risk
Using a middle-aged driver as an example, prices range go from as cheap as $496 for the bare minimum liability coverage to the much higher price of $2,096 for a driver that may need high-risk insurance.
Price Range by Location
Living in a larger city has a large influence on insurance rates. More rural locations tend to have fewer accident claims than larger metro areas.
The example below illustrates how where you live affects insurance prices.
These examples show why everyone should get quotes for a targeted area and their own personal driving habits, rather than using price 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 Information
The chart below shows estimated Volvo S80 insurance rates for other coverage scenarios.
- The lowest rate with discounts is $595
- Choosing higher $1,000 deductibles can save approximately $86 a year
- The estimated rate for a 40-year-old driver who has $500 deductibles is $976
- Choosing pricier low deductibles for comp and collision coverage will cost $1,138
- Drivers with multiple violations and an at-fault accident could pay up to $2,096 or more
- The cost with full coverage for a teenage driver for full coverage can cost as much as $3,926 each year
Auto insurance rates for a Volvo S80 can also vary considerably based on the trim level of your S80, your driver profile, and liability limits and deductibles.
A more mature driver with a good driving record and high physical damage deductibles may only pay around $900 annually on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will have to pay at least $3,900 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you could be paying $1,200 to $1,600 in extra premium per year, depending on your age. Volvo S80 insurance for high-risk drivers ranges around 41% to 137% more than average. View High Risk Driver Rates
Choosing high deductibles can save as much as $250 a year, whereas buying more liability protection will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $398 extra every year. View Rates by Deductible or Liability Limit
Where you live plays a big part in determining prices for Volvo S80 insurance rates. A good driver about age 40 could pay as low as $640 a year in states like Iowa, Maine, and Idaho, or as much as $1,390 on average in New York, Louisiana, 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% |
With so much variability in rates, the only way to know which company is cheapest is to regularly compare rates and see how they stack up. Each auto insurer uses a different rate calculation, and quoted rates can be significantly 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 Cheap Volvo S80 Insurance
Saving money on auto insurance takes being safe and accident-free, having above-average credit, eliminating unneeded coverage, and qualifying for all possible discounts. Take the time to comparison shop once a year by getting rate quotes from direct carriers like Progressive and GEICO, and also from local exclusive and independent agents.
Below you'll find a brief summary of the data that was touched on in the above illustrations.
- Drivers can save approximately $110 per year simply by quoting online well ahead of the renewal date
- Consumers who want more liability protection will pay about $490 each year to raise limits from a minimum limit to higher 250/500 limits
- Youthful drivers are the costliest to insure, costing as high as $327 per month if full coverage is included
- Drivers that tend to have accidents or serious violations may pay on average $1,120 more annually than a low-risk driver
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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