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...

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UPDATED: Jun 2, 2023

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Average insurance rates for a Volvo S80 are $976 a year for full coverage. Comprehensive insurance costs around $160, collision insurance costs $216, and liability costs $442. Liability-only coverage costs as little as $496 a year, and high-risk coverage costs $2,096 or more. 16-year-old drivers receive the highest rates at up to $3,926 a year.

Average premium for full coverage: $976

Rate estimates for individual coverage type:

Comprehensive $160
Collision $216
Liability $442

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 $496 for a discount liability-only rate to the much higher price of $2,096 for a policy for a high-risk driver.

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

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.

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

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 $595
  • Drivers who choose higher $1,000 deductibles will pay about $86 a year
  • The estimated price for a 40-year-old driver using $500 deductibles is $976
  • Buying pricier low deductibles for comprehensive and collision insurance will cost an additional $162 every year
  • Higher-risk drivers with multiple tickets or accidents could pay at least $2,096
  • The cost that insures a teen driver for full coverage can be $3,926 a year

View Chart as Image

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

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 $1,200 to $1,600 extra per year, depending on your age. Volvo S80 insurance for high-risk drivers can cost as much as 41% to 137% 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 $900 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 $3,900 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 $640 a year in states like Idaho, Maine, and Iowa, or at least $1,390 on average in Michigan, Louisiana, 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

Opting for high physical damage deductibles could save up to $250 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 $398 extra every 12 months. View Rates by Deductible or Liability Limit

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
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 $110 per year just by quoting online well ahead of the renewal date
  • Increasing deductibles can save approximately $250 each year
  • Teenagers are the costliest to insure, costing as high as $327 per month if full coverage is purchased
  • Higher risk drivers with reckless driving or DUI convictions pay on average $1,120 more every year for car 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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