Volvo S80 Insurance Rates

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UPDATED: Apr 28, 2024

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Average insurance rates for a Volvo S80 are $976 a year with full coverage. Comprehensive insurance costs on average $160 a year, collision costs $216, and liability insurance is estimated at $442. Buying just liability costs approximately $496 a year, with insurance for high-risk drivers costing $2,096 or more. Teens receive the highest rates at $3,926 a year or more.

Average premium for full coverage: $976

Rate estimates by individual coverage type:

Comprehensive $160
Collision $216
Liability $442

Estimates include $500 policy deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all U.S. states and S80 trim levels.

Price Range by Coverage and Risk

For the average driver, prices range go from as low as $496 for your basic liability-only policy to a high of $2,096 for a driver that may need high-risk insurance.

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

Price Range by Location

Living in a larger city has a significant impact on auto insurance rates. Rural areas tend to have a lower frequency of collision claims than cities with more traffic congestion.

The diagram below illustrates how location impacts car insurance rates.

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

These examples demonstrate why it is important to get quotes based on a specific location and risk profile, rather than relying on averaged prices.

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.

More Rate Information

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

  • The cheapest rate after discounts is $595
  • Choosing higher $1,000 deductibles can save around $890 annually
  • The average rate for a 40-year-old driver with $500 deductibles is $976
  • Selecting low $100 deductibles for comp and collision coverage will cost an extra $162 a year
  • High-risk insureds with serious driving violations could pay upwards of $2,096 or more
  • The cost for full coverage for a teen driver may cost $3,926 each year

View Chart as Image

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

Auto insurance rates for a Volvo S80 can also vary considerably based on your driver profile, the trim level and model year, and policy deductibles and limits.

Older drivers with a good driving record and high deductibles could pay as little as $900 annually on average for full coverage. Rates are much higher for teen drivers, where even good drivers will have to pay upwards of $3,900 a year. View Rates by Age

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 $700 a year in states like New Hampshire, Ohio, and Utah, or have to pay 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

Choosing higher comprehensive and collision insurance deductibles can save as much as $250 each year, while buying higher liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will cost as much as $398 extra every year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you may be forking out at a minimum $1,200 to $1,600 in extra premium per year, depending on your age. A high-risk auto insurance policy ranges anywhere from 41% to 137% more than the average policy. View High Risk Driver Rates

With so much variability in rates, the best way to find out exactly what you will pay is to get quotes from as many companies as possible. Each auto insurer calculates rates differently, and quoted rates can be significantly different from one company to the next.

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 Low Cost Volvo S80 Insurance

Saving money on Volvo S80 insurance takes avoiding accidents and claims, having good credit, eliminating unnecessary coverage, and taking advantage of discounts. Spend time shopping around once a year by quoting rates from direct companies like GEICO and Progressive, and also from local insurance agents.

The points below are a review of the data that was touched on above.

  • You may be able to save as much as $110 per year simply by quoting early and online
  • Drivers who require increased liability limits will pay approximately $490 every year to raise limits from a minimum limit to 250/500 limits
  • Drivers under the age of 20 are charged the highest rates, with premiums as much as $327 per month if they have full coverage
  • High-risk drivers who have several accidents or serious violations may be required to pay an average of $1,120 more each year to insure a Volvo S80

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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