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 including full coverage. Comprehensive costs approximately $160, collision costs $216, and liability coverage is estimated at $442. Liability-only insurance costs approximately $496 a year, with high-risk driver insurance costing around $2,096. Teenage drivers cost the most to insure at $3,926 a year or more.
Average premium for full coverage: $976
Policy rates by type of insurance:
Estimates include $500 physical damage insurance deductibles, 30/60 liability coverage, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 U.S. states and for different S80 trim levels.
Price Range Variability
For a driver in their 40's, Volvo S80 insurance rates go from as cheap as $496 for minimum levels of liability insurance to a much higher rate of $2,096 for a policy for a high-risk driver.
Urban vs. Rural Price Range
Living in a larger city has a large influence on car insurance prices. Rural locations are shown to have fewer comprehensive and collision claims than densely populated cities.
The price range example below illustrates how location helps determine auto insurance prices.
The examples above highlight why anyone shopping for car insurance should get quotes using their specific location and their own personal driving habits, rather than using average rates.
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 Details
The chart below breaks down estimated Volvo S80 insurance rates for additional coverage and risk scenarios.
- The best discount rate is $595
- Choosing higher $1,000 deductibles can save $86 every year
- The estimated rate for a good driver age 40 who chooses $500 deductibles is $976
- Using more expensive low deductibles for comp and collision coverage will cost $1,138
- Drivers who are prone to accidents and violations could pay around $2,096 or more
- Policy cost with full coverage for a teenage driver with full coverage can cost $3,926 each year
Auto insurance rates for a Volvo S80 also range considerably based on the model year and trim level, your driving characteristics, and physical damage deductibles and liability limits.
An older driver with a good driving record and high physical damage deductibles may only pay around $900 annually on average, or $75 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will have to pay in the ballpark of $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 are likely paying anywhere from $1,200 to $1,600 in extra premium every year, depending on your age. High-risk driver insurance ranges around 41% to 137% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles can save as much as $250 a year, while increasing your policy's liability limits will push rates upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $398 extra every year. View Rates by Deductible or Liability Limit
Your home state plays a big part in determining prices for Volvo S80 insurance rates. A good driver about age 40 could pay as low as $750 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,390 on average in Louisiana, New York, 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% |
Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to compare rates and see how they stack up. Each auto insurer uses a different method to calculate rates, and quoted rates will be varied 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 | $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 Buy Low Cost Volvo S80 Insurance
Finding cheaper rates on auto insurance takes being a low-risk driver, having above-average credit, paying for small claims out-of-pocket, and not having any coverage lapses. Invest time comparing rates every year by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.
The items below are a review of the coverage data covered in the charts and tables above.
- You may be able to save around $110 per year simply by shopping early and online
- Increasing comprehensive and collision deductibles could save up to $250 each year
- Teen drivers have the highest car insurance rates, with premiums being up to $327 each month if full coverage is included
- Drivers who have several accidents or serious violations may have to pay on average $1,120 more per year to insure their S80
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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