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What is the Best Car Insurance for a Volvo S80?

Average auto insurance rates for a Volvo S80 cost $1,588 a year, or around $132 a month. Mature drivers with good driving records may find rates as low as $933 a year.

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best...

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UPDATED: Jun 24, 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 are about $69 more per year than the average vehicle, costing about $1,588 a year or $132 a month. Older Volvo S80s may only need liability coverage, which averages $636 a year or $53 a month.

Good drivers are eligible for up to $655 a year in policy discounts for remaining safe on the roads. Let’s look at Volvo S80 insurance rates, insurance losses, and more.

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 auto insurance costs are $1,588 a year or $132 a month.

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Are Volvo S80s Expensive to Insure?

The chart below details how Volvo S80 insurance rates compare to other luxury cars like the Acura TLX, Jaguar XE, and Audi S6.

Vehicle Comprehensive Collision Liability Total
Acura TLX $332 $686 $398 $1,574
Jaguar XE $382 $774 $398 $1,712
Audi S6 $444 $894 $398 $1,894
BMW M3 $406 $804 $398 $1,766
Cadillac CTS-V $406 $804 $338 $1,684
Mercedes-Benz S450 $494 $982 $398 $2,032

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, car 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 impact on Volvo S80 auto insurance rates. For example, 20-year-old drivers pay approximately $1,942 more each year for their Volvo S80 auto insurance than 30-year-old drivers.

Driver Location

Where you live can have a large impact on Volvo S80 insurance rates. For example, drivers in Los Angeles may pay $1,365 a year more than drivers in Indianapolis.

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 car insurance with violations on their driving record.

Volvo S80 Safety Ratings

Your Volvo S80 car insurance rates are tied to 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

If the Volvo S80 crash test ratings are good, you could have lower 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

The Volvo S80 safety features can help lower insurance costs. According to US News, the 2020 Volvo S80 has the following safety features:

  • 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

Another contributing factor that affects Volvo S80 car insurance rates is the loss probability for each type of coverage.

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

When financing a Volvo S80, most lenders will require your carry higher Volvo S80 coverage options including comprehensive coverage, so be sure to shop around and compare Volvo S80 car insurance rates from the best companies using our FREE tool below.

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Ways to Save on Volvo S80 Insurance

You have more options at your disposal to save money on your Volvo S80 car insurance costs. For example, try these five tips:

  • Check Your Volvo S80 Policy Carefully to Ensure All Information is Correct
  • Take a Refresher Course as an Older Driver
  • Ask About Welcome Discounts
  • Ask About Volvo S80 Safety Discounts
  • Watch Your Insurer Closely When Your Volvo S80 Needs Repairs

Top Volvo S80 Insurance Companies

The best auto insurance companies for Volvo S80 car insurance rates will offer competitive rates, discounts, and account for the Volvo S80’s safety features. The following list of car insurance companies outlines which companies hold the highest market share.

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

You can start comparing quotes for Volvo S80 insurance from some of the top car insurance companies by using our free online tool today.

About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

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