UPDATED: Oct 27, 2020
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Key takeaways:
- Full coverage costs around $1,588 a year or $132 each month
- A liability-only policy costs around $636 a year or $53 each month
- Highest rates are for teenage drivers at around $5,804 a year or $484 each month
- Good drivers can save as much as $655 a year by earning policy discounts
- Volvo S80 insurance costs around $69 more per year than the average vehicle
Volvo S80 insurance rates can be a little expensive. Volvo S80 insurance costs around $69 more per year than the average vehicle. Our guide breaks down insurance rates for a Volvo S80, so keep reading to learn what drivers can do to save.
You can start comparing quotes for Volvo S80 car insurance rates from some of the best car insurance companies by using our free online tool now.
Volvo S80 Insurance Cost
The average Volvo S80 car insurance rates are $1,588 a year or $132 a month.
Are Volvo S80s Expensive to Insure?
The chart below details how Volvo S80 insurance rates compare to other luxury cars like the Jaguar XE, BMW M3, and Jaguar XF.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Jaguar XE | $382 | $774 | $398 | $1,712 |
| BMW M3 | $406 | $804 | $398 | $1,766 |
| Jaguar XF | $406 | $804 | $398 | $1,766 |
| Lexus GS 350 | $370 | $714 | $338 | $1,558 |
| Lexus GS 300 | $344 | $656 | $338 | $1,474 |
| Audi A6 | $382 | $744 | $398 | $1,682 |
However, there are a few things you can do to find the cheapest Volvo insurance rates online.
What Impacts the Cost of Volvo S80 Insurance?
Even though the average annual rate for the Volvo S80 is $1,588, your policy can be higher or lower depending upon your profile. Those factors include your age, home address, driving history, and the model year of your Volvo S80.
Age of the Vehicle
Older Volvo S80 models generally cost less to insure. For example, auto insurance for a 2016 Volvo S80 costs $1,588, while 2010 Volvo S80 insurance costs are $1,308, a difference of $280.
| Model Year | Comprehensive | Collision | Liability | Total |
| 2016 Volvo S80 | $332 | $668 | $430 | $1,588 |
| 2015 Volvo S80 | $314 | $646 | $442 | $1,560 |
| 2014 Volvo S80 | $302 | $598 | $452 | $1,510 |
| 2013 Volvo S80 | $290 | $564 | $456 | $1,468 |
| 2012 Volvo S80 | $278 | $506 | $460 | $1,402 |
| 2011 Volvo S80 | $260 | $466 | $460 | $1,344 |
| 2010 Volvo S80 | $250 | $436 | $464 | $1,308 |
Driver Age
Driver age can have a significant effect on the cost of Volvo S80 car insurance. For example, 30-year-old drivers pay approximately $70 more for their Volvo S80 car insurance than 40-year-old drivers.
Driver Location
Where you live can have a large impact on Volvo S80 insurance rates. For example, drivers in New York may pay $969 a year more than drivers in Seattle.
Your Driving Record
Your driving record can have an impact on the cost of Volvo S80 auto insurance. Teens and drivers in their 20’s see the highest jump in their Volvo S80 auto insurance rates with violations on their driving record.
Volvo S80 Safety Ratings
Your Volvo S80 car insurance rates are influenced by the safety ratings of the Volvo S80. See the breakdown below:
| Test Type | Rating |
| Small overlap front: driver-side | Good |
|---|---|
| Small overlap front: passenger-side | Not Tested |
| Moderate overlap front | Good |
| Side | Good |
| Roof strength | Good |
| Head restraints and seats | Good |
| Source: Insurance Institute for Highway Safety | |
Volvo S80 Crash Test Ratings
Volvo S80 crash test ratings can impact your Volvo S80 car insurance rates. See Volvo S80 crash test results below:
| Vehicle Tested | Overall | Frontal | Side | Rollover |
| 2016 Volvo S80 4 DR FWD | N/R | N/R | N/R | N/R |
| 1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration | ||||
|---|---|---|---|---|
Volvo S80 Safety Features
Volvo S80 safety features can lower the cost of your insurance. The safety features for the Volvo S80 include:
- Driver Air Bag
- Passenger Air Bag
- Front Head Air Bag
- Rear Head Air Bag
- Front Side Air Bag
- 4-Wheel ABS
- 4-Wheel Disc Brakes
- Brake Assist
- Electronic Stability Control
- Daytime Running Lights
- Child Safety Locks
- Integrated Turn Signal Mirrors
- Traction Control
- Lane Departure Warning
- Lane Keeping Assist
Volvo S80 Insurance Loss Probability
The lower percentage means lower Volvo S80 car insurance costs; higher percentages mean higher Volvo S80 car insurance costs. Compare the following Volvo S80 auto insurance loss probability rates for collision, property damage, comprehensive, PIP, MedPay, and bodily injury.
| Insurance Coverage Category | Loss Rate |
| Collision | -18% |
|---|---|
| Property Damage | no data |
| Comprehensive | no data |
| Personal Injury | no data |
| Medical Payment | no data |
| Bodily Injury | no data |
| Source: Insurance Institute for Highway Safety | |
Volvo S80 Finance and Insurance Cost
If you are financing a Volvo S80, most lenders will require your carry higher Volvo S80 coverages including comprehensive coverage, so be sure to compare Volvo S80 car insurance rates from the best companies using our FREE tool below.
Ways to Save on Volvo S80 Insurance
There are many ways that you can save on Volvo S80 car insurance. Below are five actions you can take to find cheap Volvo S80 auto insurance rates.
- Compare Volvo S80 Quotes Online
- Buy a Volvo S80 with an Anti-Theft Device
- Take Advantage of Referral Fees
- Remove Young Drivers from Your Volvo S80 Insurance Plan
- Ask About Retiree Discounts
Top Volvo S80 Insurance Companies
Who is the best company for Volvo S80 insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Volvo S80 insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Volvo S80 offers.
| Rank | Company | Volume | Market Share |
| 1 | State Farm | $65,615,190 | 9.3% |
| 2 | GEICO | $46,106,971 | 6.6% |
| 3 | Progressive | $39,222,879 | 5.6% |
| 4 | Liberty Mutual | $35,600,051 | 5.1% |
| 5 | Allstate | $35,025,903 | 5.0% |
| 6 | Travelers | $28,016,966 | 4.0% |
| 7 | USAA | $23,483,080 | 3.3% |
| 8 | Chubb | $23,388,385 | 3.3% |
| 9 | Farmers | $20,643,559 | 2.9% |
| 10 | Nationwide | $18,442,145 | 2.6% |
| Source: Insurance Information Institute | |||
Compare Free Volvo S80 Insurance Quotes Online
Start comparing Volvo S80 car insurance quotes for free by using our convenient online comparison tool.