Volvo S80 Insurance Rates
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UPDATED: Apr 28, 2024
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The average auto insurance rates for a Volvo S80 are $976 annually with full coverage. Comprehensive insurance costs an estimated $160, collision insurance costs $216, and liability costs $442. Buying just liability costs as little as $496 a year, and insurance for high-risk drivers costs $2,096 or more. Teens cost the most to insure at up to $3,926 a year.
Average premium for full coverage: $976
Policy rates broken down by type of insurance:
Estimates include $500 deductible amounts, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and for different S80 trim levels.
Price Range Variability
For the average 40-year-old driver, Volvo S80 insurance rates range from as cheap as $496 for just the minimum liability insurance to a much higher rate of $2,096 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Your location can have significant affects on car insurance rates. More rural locations are shown to have fewer collision claims than cities with more traffic congestion. The price range example below illustrates the difference location can make on insurance prices.
The examples above demonstrate why anyone shopping for car insurance should compare rates for a targeted area and their own personal driving habits, instead of using 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.
Additional Rate Analysis
The chart below details average Volvo S80 insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $595
- Drivers who choose higher $1,000 deductibles will pay approximately $86 annually
- The estimated rate for a good driver age 40 who has $500 deductibles is $976
- Selecting more expensive low deductibles for comprehensive and collision insurance costs an additional $162 every year
- Higher-risk drivers with serious driving violations could pay up to $2,096
- Policy cost with full coverage for a teen driver with full coverage can cost as much as $3,926 a year
Insurance rates for a Volvo S80 also range considerably based on the model year and trim level, your driving record, and liability limits and deductibles.
An older driver with a clean driving record and high physical damage deductibles may pay as little as $900 per year on average, or $75 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they can expect to pay at least $3,900 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you may be forking out $1,200 to $1,600 extra every year, depending on your age. High-risk driver insurance can cost as much as 41% to 137% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles could save up to $250 every year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $398 more per year. View Rates by Deductible or Liability Limit
Your home state makes a big difference in Volvo S80 insurance prices. A 40-year-old driver could pay as low as $700 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,320 on average in New York, Michigan, and Florida.
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% |
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 Low Cost Volvo S80 Insurance
Finding cheaper rates on car insurance not only requires having a good driving record, but also having a good credit history, not filing small claims, and deciding if full coverage is necessary. Make time to compare rates once a year by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The next list is a review of the data that was touched on in this article.
- You may be able to save approximately $110 per year just by shopping early and online
- Policyholders who want increased levels of liability coverage will pay approximately $490 every year to go from a 30/60 limit to higher 250/500 limits
- Drivers age 20 and younger are charged the highest rates, as much as $327 each month including comprehensive and collision insurance
- Higher risk drivers who have several accidents or serious violations pay on average $1,120 more annually to buy Volvo S80 insurance
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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