Volvo S80 Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• A Volvo S80 is less expensive to insure compared to the average car.
• Full coverage insurance for a S80 runs about $145 monthly, on average, while liability only insurance normally comes in at around $76 a month.
• At as little as $43 per month for liability only coverage, Sun Coast is the most affordable car insurance company for a S80.

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S80 Overview

The Volvo S80 is a great choice for a mid-level car, with 2016 models starting at $43,450. With two different trim levels currently offered, you'll be sure to find an option to fit your style.

Based on analyzing thousands of auto insurance quotes from Compare.com, we've found that Volvo S80 car insurance premiums run about $117 monthly, on average. But how does that compare to other similar cars on the market?

How Much is Car Insurance for a Volvo S80?

You'll see in the table above that compared to other vehicles, Volvo S80 insurance prices are more affordable than average. On average, S80 drivers can expect to pay around $76 a month for liability insurance, and about $145 per month for full coverage, which has comprehensive and collision coverages in addition to liability (our guide, "State Minimum vs. Full Coverage", can give you more information on the difference between these types of insurance).

Compared to other Volvo models, the S80's insurance rate is in line with the rest of the company's vehicle lineup. However, coverage for the S80 is lower than average when compared to other vehicles of a similar body style, with both liability only and full coverage insurance averaging less expensive rates than other cars.

They're also more affordable to insure than the average vehicle overall, regardless of model, make, or body style.

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Who has the Cheapest Car Insurance for a Volvo S80?

If you're searching for an auto insurance policy for a Volvo S80, you may be most interested in which carrier offers the lowest rates. While premiums can differ considerably from person to person, Liberty Mutual has the lowest average rates for liability only coverage, with rates sometimes as cheap as $21 monthly. With car insurance as cheap as just $35 a month, Infinity is the next cheapest insurance company.

Mercury, StateAuto, and Sun Coast round out the rest of the top 5 list. However, just because these five carriers offer the lowest average rates doesn't necessarily mean they'll be the cheapest companies for you and your unique insurance profile.

After all, auto insurance carriers look at a wide array of different variables when calculating premiums, so your results might be different. By getting quotes from a bunch of car insurance companies at once, you can rest easy knowing that you're finding the lowest rate.

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What Factors Affect Car Insurance Rates for a Volvo S80?

As we mentioned above, there are quite a few factors that insurance carriers take into account to choose how much they charge -- and each carrier weighs certain factors more than others, so there's not a singular company that's the cheapest for everyone.

Here are just a few of the things car insurers will look at, with individual breakdowns of how each one affects your rates:

Vehicle Age

The Volvo S80 has been around for a while -- that means vehicle age can play a big role in what you end up paying for auto insurance. Generally, newer cars are going to cost more to insure because they're worth more, however, as time goes on and S80s continue to depreciate, insurance costs will gradually get lower.

A new Volvo S80 model hasn't been added to the market for over 5 years, so the S80 won't really fit this trend. However, as you can see in the table above, the cheapest Volvo S80s to insure are those that are 4 to 5 years old, while the most expensive models are S80s that are 8 to 10 years old, on average.

Your Age

Your age is another factor that plays a significant role in how much car insurance companies will charge for insurance. As you can see in the table above, drivers under 18 pay more expensive rates compared to older drivers. In this case, drivers under 18 pay $39 more than those 25 or older.

Car insurance prices continue to decrease as you get older, with the cheapest age group for S80 drivers being 65 years and older.

Your Gender

You may not know, but auto insurance is typically more expensive for men than for women. This is because men are more likely to get speeding tickets and get into accidents, which raises the chances of an insurance claim. The Volvo S80 is no different, and men pay around $78 monthly for insurance, while women pay about $73.

Where You Live

You may think it's obvious that factors like how old you are and what vehicle you drive play a role in your auto insurance prices, but you may not realize that where you live can be just as important. Since car insurance is regulated on the state level rather than nationally, premiums fluctuate quite a bit depending on where you live.

For example, the average Volvo S80 driver in New York pays around $132 a month for liability coverage. Meanwhile, the same owner from California will pay less than half of that price, on average. The chart above shows average prices for the 10 largest states by population, just to give you a good idea of how much rates can change from state to state.

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Volvo S80 Car Insurance Discounts

Regardless of what state you live in, how old you are, or which vehicle you drive, it's always a smart move to take advantage of as many auto insurance discounts as possible when shopping around for a new policy.

Even though all car insurance carriers offer their own unique discounts, there are a few that you'll find with most insurers. These include things like:

• Multi-policy discounts for getting both your home and auto policies from the same insurance carrier
• Vehicle safety discounts for having a vehicle with certain safety features (like anti-lock brakes or air bags) or one with higher than average safety ratings
• Pay-in-full discounts for agreeing to pay your entire policy price at once, rather than in monthly installments
• Multi-car discounts for having several vehicles on your auto policy

There are lots of other discounts out there for saving money on your insurance. Often, it's actually your insurance profile and driving record that get you the cheapest rates.

Even though you don't have control over every variable car insurance companies look at to calculate prices (like some of the ones mentioned above), there are quite a few that you do have control over. Below are just a few of the variables you can use to your advantage when it comes to cost savings:

Your Driving Record

You've most likely seen ads from auto insurance carriers offering hefty savings for responsible drivers. It shouldn't come as a surprise that if you get into a collision or get tickets for speeding, insurance premiums will go up. But you're probably wondering exactly how much these infractions will cost you.

As you can tell from the table above, accidents will usually cost S80 drivers more than tickets, but both will result in higher than normal rates. Volvo S80 drivers with a single accident on their record pay an average of $99 per month (up $23 from the $76/mo. overall average), while drivers with one ticket will pay about $84 per month. Those who have more than one of either violation will end up paying even more.

How Much You Drive

The total amount of miles you drive each year impacts your auto insurance rates. Drivers who are on the roads less often are more likely to go accident-free, so they'll generally get lower premiums. In the table above, you can see that Volvo S80 owners who drive 10,000 miles or more pay $76 for car insurance, while those who drive fewer than 2,500 miles every year pay an average of $63 a month.

But if you don't drive much because have a second vehicle or you work from home, it may be worth reviewing pay-per-mile or usage-based insurance. With these kinds of plans, you pay a small base rate each month, with your final monthly bill being calculated based on the number of miles you drove.

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How Do Volvo S80s Compare to Other Vehicles?

If you're thinking about buying a new vehicle and a Volvo S80 is on your shortlist, it might be helpful to do your due diligence. Auto insurance is just one cost that comes with a new car purchase, but it's definitely one that's worth considering carefully.

Visit the table below to see how the Volvo S80 compares:

Overall, the Volvo S80 has an average MSRP and is on par with the going rate for a new vehicle. The S80 retails at $43,450, close to the national average vehicle MSRP of $41,071. And since it's been awhile since a new S80 model has been on the market, used prices will be even less expensive.

Although the purchase price is right in the middle of the spectrum, car insurance prices run below average when compared to the rest of the vehicle market. Liability insurance for a Volvo S80 is about $5 per month less than average, while full coverage is over $30 cheaper per month.

When it comes to usage, Volvo S80 owners drive fewer miles annually than the national average, with 9,989 miles a year compared to 11,617 for all vehicles.

Volvo S80 Car Insurance Costs by Model Year

You've seen how different things can affect how much the average driver pays for insurance. If you're considering purchasing a new S80, having a good idea of exactly what you'll pay can be extremely helpful as you weigh your choices.

Choose Your Model

2016 Volvo S80 Car Insurance 2014 Volvo S80 Car Insurance 2013 Volvo S80 Car Insurance 2012 Volvo S80 Car Insurance 2011 Volvo S80 Car Insurance 2010 Volvo S80 Car Insurance 2009 Volvo S80 Car Insurance 2008 Volvo S80 Car Insurance 2007 Volvo S80 Car Insurance 2006 Volvo S80 Car Insurance 2005 Volvo S80 Car Insurance 2004 Volvo S80 Car Insurance

2016 Volvo S80 Car Insurance

On average, drivers who own a 2016 Volvo S80 can expect to pay $76 to $136 monthly for liability only and full coverage car insurance, respectively.

If you're looking for the lowest possible 2016 Volvo S80 insurance policy, DirectGeneral offered the cheapest policy we found, with rates as cheap as $73 per month.

Want to know exactly how much you'll pay? All you need to do is enter your ZIP code below and you'll be on your way to comparing a whole bunch of personalized quotes from the nation's top insurance companies.

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2014 Volvo S80 Car Insurance

2014 S80 drivers can expect to pay an average of $51 a month for liability or $111 for full coverage.

With premiums as little as just $38 monthly, Mercury offered the lowest policy we found.

If you want to know just how much your premium will be, just enter your ZIP code below and get several free quotes in minutes.

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2013 Volvo S80 Car Insurance

It costs around $39 a month for liability or $157 for a full coverage policy for the 2013 Volvo S80.

Looking for the most affordable policy? Commonwealth Casualty offered liability only coverage for as low as $26 per month.

And if you want more accurate rates tailored specifically to you, just enter your ZIP code below and get free quotes in minutes.

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2012 Volvo S80 Car Insurance

You can expect full coverage for a 2012 S80 to run about $129 monthly, while liability only coverage will average around $53 per month.

Infinity has prices sometimes as low as $20 monthly for the 2012 Volvo S80.

Want to know just how much you'll pay? Get lots of personalized quotes for free by just entering your ZIP code below.

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2011 Volvo S80 Car Insurance

The average cost to insure a 2011 Volvo S80 with liability only coverage is $95 a month, while full coverage runs about $117 per month.

Clearcover offered the lowest policy we found, with rates as low as just $27 a month.

If you want to know just how much your price will be, just enter your ZIP code below and get free quotes in minutes.

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2010 Volvo S80 Car Insurance

On average, drivers who own a 2010 S80 can expect to pay $77 to $176 monthly for liability only and full coverage auto insurance, respectively.

With rates sometimes as little as $22 per month, Workmens offered the cheapest policy we found for the 2010 Volvo S80.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get several free quotes in minutes.

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2009 Volvo S80 Car Insurance

The average cost to insure a 2009 Volvo S80 with liability only coverage is $80 monthly, while full coverage runs around $164 a month.

We found Good2Go offered the most affordable policy, with rates sometimes as cheap as $227/mo monthly.

Want something more accurate than national averages? Get several free personalized quotes by just entering your ZIP code below.

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2008 Volvo S80 Car Insurance

2008 S80 drivers can expect to pay an average of $82 per month for liability or $153 for full coverage.

ACG offered the cheapest policy we found, with rates as low as $14 a month.

If you want to know exactly how much you can expect to pay for your S80, get free quotes in minutes by just entering your ZIP code below.

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2007 Volvo S80 Car Insurance

You can expect full coverage for a 2007 Volvo S80 to run about $174 per month, while liability only coverage will average around $93 monthly.

Looking for the most affordable policy? Mercury offered liability only coverage for as little as just $18 a month.

If you want to know just how much your rate will be, get free quotes in minutes by just entering your ZIP code below.

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2006 Volvo S80 Car Insurance

It costs about $77 per month for liability or $189 for a full coverage policy for the 2006 S80.

We found MetLife offered the lowest policy, with rates as little as $23 monthly.

If you want more accurate quotes of how much you can expect to pay, get free quotes in minutes by just entering your ZIP code below.

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2005 Volvo S80 Car Insurance

The average cost to insure a 2005 Volvo S80 with liability only coverage is $69 a month, while full coverage runs around $126 per month.

With premiums as cheap as $18 monthly, Mercury offered the cheapest policy we found.

Want to find the best rates? Enter your ZIP code below to get a variety of customized quotes for free.

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2004 Volvo S80 Car Insurance

2004 S80 drivers can expect to pay an average of $72 a month for liability or $133 for full coverage.

Commonwealth Casualty has prices sometimes as little as $22 monthly for the 2004 Volvo S80.

These average rates are a great starting point if you're in the market for a 2004 Volvo S80, but there are several different factors that go into calculating your policy rates. If you want to figure out exactly what you'll be asked to pay, get customized quotes by entering your ZIP below.

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Volvo S80 Insurance FAQs

Is a Volvo S80 expensive to insure?

It costs less to insure a Volvo S80 when compared to the average vehicle. Liability insurance runs an average of $76 a month, while full coverage will cost you around $145.

How can I get the best price on car insurance for my Volvo S80?

The only way to ensure you're getting the lowest price on insurance is to regularly shop around and compare quotes from a wide array of carriers. It's recommended to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare prices from several companies at once, meaning you can find the most affordable rates (or guarantee you already have the best deal) for free.

Does the color of my Volvo S80 affect my insurance rates?

You've probably heard the old adage that red cars cost more to insure than cars of other colors, but that's actually a myth. Although there are many variables car insurance carriers use when they calculate your premiums, the color of your S80 is not one of them.

Do I need to have insurance before I buy a Volvo S80?

You'll need to have valid insurance for your vehicle before you can legally drive your it off the dealership lot. Some dealerships may offer you a car insurance policy as part of the car-buying process, but the easiest thing to do is to let your auto insurance company know beforehand.

What car insurance discounts can I get for my Volvo S80?

You will find a variety of discounts out there for insurance. Many of them (like "safe driver discounts" and "pay-in-full discounts") are more based on you than the car you drive, but if your S80 has safety features like anti-lock brakes, anti-theft systems, airbags, and other features, it may qualify for certain discounts. The only way to know is to contact your insurance carrier and ask about their discounts.