Volvo S80 Insurance Rates
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UPDATED: Apr 28, 2024
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Average insurance rates for a Volvo S80 are $1,402 a year for full coverage. Comprehensive insurance costs around $278, collision insurance costs $506, and liability costs $460. Liability-only coverage costs as little as $510 a year, and high-risk coverage costs $3,044 or more. 16-year-old drivers receive the highest rates at up to $5,322 a year.
Average premium for full coverage: $1,402
Rate estimates for individual coverage type:
Prices include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes UM/UIM and medical coverage. Rates are averaged for all states and for all S80 models.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range range from the low end price of $510 for a discount liability-only rate to the much higher price of $3,044 for a policy for a high-risk driver.
Price Range by Location
Your location can have significant affects on auto insurance rates. Areas with sparse population tend to have lower incidents of accident claims than congested cities. The example below illustrates how rural and urban location affects auto insurance rates.
These examples show why everyone should compare rates for a specific zip code, instead of using 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.
Rates by State, City, and Model
The chart below shows average Volvo S80 insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $805
- Drivers who choose higher $1,000 deductibles will pay about $178 a year
- The estimated price for a 40-year-old driver using $500 deductibles is $1,402
- Buying pricier low deductibles for comprehensive and collision insurance will cost an additional $346 every year
- Higher-risk drivers with multiple tickets or accidents could pay at least $3,044
- The cost that insures a teen driver for full coverage can be $5,322 a year
Car insurance rates for a Volvo S80 can also vary considerably based on the model of your S80, how you drive, and deductibles and policy limits.
If you like to drive fast or you caused an accident, you could be paying at least $1,700 to $2,300 extra per year, depending on your age. Volvo S80 insurance for high-risk drivers can cost as much as 43% to 135% more than the average rate. View High Risk Driver Rates
A more mature driver with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,300 per year on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will be charged as much as $5,300 a year. View Rates by Age
Where you live makes a big difference in Volvo S80 insurance prices. A 40-year-old driver could pay as low as $920 a year in states like Idaho, Maine, and Iowa, or at least $2,000 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,268 | -$134 | -9.6% |
| Alaska | $1,076 | -$326 | -23.3% |
| Arizona | $1,164 | -$238 | -17.0% |
| Arkansas | $1,402 | -$0 | 0.0% |
| California | $1,598 | $196 | 14.0% |
| Colorado | $1,340 | -$62 | -4.4% |
| Connecticut | $1,442 | $40 | 2.9% |
| Delaware | $1,586 | $184 | 13.1% |
| Florida | $1,754 | $352 | 25.1% |
| Georgia | $1,294 | -$108 | -7.7% |
| Hawaii | $1,008 | -$394 | -28.1% |
| Idaho | $948 | -$454 | -32.4% |
| Illinois | $1,044 | -$358 | -25.5% |
| Indiana | $1,056 | -$346 | -24.7% |
| Iowa | $946 | -$456 | -32.5% |
| Kansas | $1,332 | -$70 | -5.0% |
| Kentucky | $1,914 | $512 | 36.5% |
| Louisiana | $2,074 | $672 | 47.9% |
| Maine | $866 | -$536 | -38.2% |
| Maryland | $1,158 | -$244 | -17.4% |
| Massachusetts | $1,122 | -$280 | -20.0% |
| Michigan | $2,436 | $1,034 | 73.8% |
| Minnesota | $1,174 | -$228 | -16.3% |
| Mississippi | $1,680 | $278 | 19.8% |
| Missouri | $1,242 | -$160 | -11.4% |
| Montana | $1,506 | $104 | 7.4% |
| Nebraska | $1,106 | -$296 | -21.1% |
| Nevada | $1,682 | $280 | 20.0% |
| New Hampshire | $1,010 | -$392 | -28.0% |
| New Jersey | $1,566 | $164 | 11.7% |
| New Mexico | $1,242 | -$160 | -11.4% |
| New York | $1,476 | $74 | 5.3% |
| North Carolina | $808 | -$594 | -42.4% |
| North Dakota | $1,148 | -$254 | -18.1% |
| Ohio | $968 | -$434 | -31.0% |
| Oklahoma | $1,440 | $38 | 2.7% |
| Oregon | $1,284 | -$118 | -8.4% |
| Pennsylvania | $1,338 | -$64 | -4.6% |
| Rhode Island | $1,870 | $468 | 33.4% |
| South Carolina | $1,270 | -$132 | -9.4% |
| South Dakota | $1,182 | -$220 | -15.7% |
| Tennessee | $1,228 | -$174 | -12.4% |
| Texas | $1,692 | $290 | 20.7% |
| Utah | $1,038 | -$364 | -26.0% |
| Vermont | $960 | -$442 | -31.5% |
| Virginia | $840 | -$562 | -40.1% |
| Washington | $1,084 | -$318 | -22.7% |
| West Virginia | $1,286 | -$116 | -8.3% |
| Wisconsin | $970 | -$432 | -30.8% |
| Wyoming | $1,250 | -$152 | -10.8% |
Opting for high physical damage deductibles could save up to $530 every year, whereas buying more liability protection will increase rates. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $414 extra every 12 months. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Volvo S80 3.2 | $1,340 | $112 |
| Volvo S80 T6 AWD | $1,370 | $114 |
| Volvo S80 Executive AWD | $1,402 | $117 |
| Volvo S80 V8 AWD | $1,432 | $119 |
Rates assume 2016 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 | $278 | $506 | $460 | $1,402 |
| 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 Right Volvo S80 Insurance
Saving money on car insurance not only requires avoiding accidents and violations, but also having a positive credit history, eliminating unneeded coverage, and consideration of higher deductibles. Comparison shop every year by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The list below is a quick rundown of the coverage data raised in the charts and tables above.
- Drivers can save up to $170 per year just by quoting online well ahead of the renewal date
- Increasing deductibles can save approximately $525 each year
- Teenagers are the costliest to insure, costing as high as $444 per month if full coverage is purchased
- Higher risk drivers with reckless driving or DUI convictions pay on average $1,640 more every year for car insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,322 |
| 20 | $3,242 |
| 30 | $1,456 |
| 40 | $1,402 |
| 50 | $1,282 |
| 60 | $1,258 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,748 |
| $250 | $1,588 |
| $500 | $1,402 |
| $1,000 | $1,224 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,402 |
| 50/100 | $1,524 |
| 100/300 | $1,639 |
| 250/500 | $1,938 |
| 100 CSL | $1,570 |
| 300 CSL | $1,823 |
| 500 CSL | $2,007 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,584 |
| 20 | $5,170 |
| 30 | $3,104 |
| 40 | $3,044 |
| 50 | $2,908 |
| 60 | $2,884 |
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 | $75 |
| Multi-vehicle | $75 |
| Homeowner | $22 |
| 5-yr Accident Free | $102 |
| 5-yr Claim Free | $91 |
| Paid in Full/EFT | $63 |
| Advance Quote | $69 |
| Online Quote | $100 |
| Total Discounts | $597 |
Discounts are estimated and may not be available from every company or in every state.
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