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Cheapest Volvo S80 Car Insurance (May 2024)

Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance for your Volvo S80
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R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Sarah Gray, Licensed Insurance Agent — Expert Insurance Writer and Editor

How much does Volvo S80 car insurance cost? 

On average, Volvo S80 drivers pay $103 per month for the minimum required car insurance and $196 per month for full coverage. When compared to popular cars like the
Fiat 500X
,
Chevrolet Tracker
, and
GMC Yukon
, insuring a Volvo S80 is 18% more more expensive.
It's important to note that there isn't a fixed 'average' insurance cost because it depends on various factors unique to each driver. Your insurance cost is influenced by factors such as the trim level of your Volvo S80 and its age. The best way to know your insurance cost is to compare quotes from different providers.

Compare the cheapest Volvo S80 car insurance quotes

To simplify this process, you can use
Jerry
, a
car insurance comparison
tool. Jerry helps you easily compare quotes, saving both time and money. On average, Volvo S80 drivers using Jerry have saved $1,603 per year on their car insurance. Take a look at the table below for real, free quotes that people have received through Jerry.
DateCarInsurance companyPremium (monthly)CustomerInsurance coverage
May 26, 2024
Volvo S80 2.5TAAA
$90
• State Minimum Liability
May 16, 2024
Volvo S80 3.2
Clearcover
$264
• State Minimum Liability
• Comp / Collision
May 14, 2024
Volvo S80 3.2Bristol West
$233
• 25,000/50,000 Liability
May 14, 2024
Volvo S80 3.2Nationwide
$247
• 50,000/100,000 Liability
• Comp / Collision
May 12, 2024
Volvo S80 3.2Travelers
$126
• 100,000/300,000 Liability
• Comp / Collision
coverageLast Updated May 26, 2024
Insurance costs can differ significantly, even for identical car models. Besides factors like your driving history, ZIP code, and insurance track record, insurance providers take into account the model year and trim level of your car when calculating a quote. If you want to determine the insurance rate for your Volvo S80, it's essential to obtain quotes from a minimum of three insurance companies.

The best car insurance companies for Volvo S80 owners

There isn't one insurance company that is universally the best for all Volvo S80 owners. Car insurance rates are very individualized, and each insurance company uses a slightly different method to
determine your premiums
.
However, we can still help you find the best insurance company for your needs. Jerry conducted the largest survey in the nation to assist people in comparing car insurance companies. Take a look at how drivers have rated various insurance companies below.
Insurance CompanyOverall RatingPriceClaims ExperienceCustomer Service
Safeco
4.6
4.4
4
4.5
Travelers
4.5
4.2
4.4
4.5
Progressive
4.3
3.9
3.9
4.3
AAA
4.2
4
3.8
4.4
Allstate
4.2
3.6
3.8
4.2
USAA
4
3.5
4.5
4.2
State Farm
4
3.4
3.8
4.2
Farmers
4
3.4
4.1
3.9
Geico
3.9
3.3
3.9
4
Liberty Mutual
3.7
3.2
3.5
3.7
Highlighticon

How'd we get these scores?

Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

How much car insurance do you need for a Volvo S80?

Insurance rates for the Volvo S80 can vary due to individual factors such as driving record, ZIP code, and insurance history, but the average cost is $196 per month for full coverage and $103 per month for minimum coverage. Different insurance companies also use unique algorithms, contributing to variations in average rates for Volvo S80 owners.
CarAverage Full Coverage Insurance CostAverage State Minimum Insurance Cost
Volvo S80
$196
$103
State minimum insurance refers to the smallest amount of bodily injury and property damage liability coverage
required by your state
. Some states require uninsured motorist coverage or personal injury protection in addition to liability insurance. 
Full coverage insurance
includes comprehensive and collision coverage on top of the insurance coverage required by state law. This type of policy covers your vehicle in addition to your legal liability, and is typically required if you’re financing or leasing a new car. 
Average insurance prices can give a helpful benchmark for how much you can expect to pay to insure your Volvo car—but the only way to get the best rates is to
shop for car insurance
from multiple auto insurance companies before settling on a policy. 

Why are some trims more expensive to insure than others?

Insurance prices are based in part on the repair and replacement costs associated with your particular vehicle, which vary based on your trim’s features. Insurance companies also take into account safety features, from airbags to anti-lock brakes, and safety ratings from expert bodies like the National Highway Traffic Safety Administration (NHTSA). 
The table below compares average full and minimum coverage costs for some of the most popular Volvo S80 trims. 
CarMonthly minimum coverage costMonthly full coverage cost
S80 Volvo
$79
$122
S80 Volvo 2.5T
$115
$165
S80 Volvo 3.2
$102
$199
S80 Volvo T6
$124
$226
S80 Volvo V8
$170
$207
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Volvo S80 insurance cost by model year

The more recently your Volvo S80 was manufactured, the more it’ll cost to insure. New models are worth more and often have higher repair costs thanks to cutting-edge technology. Check out some see real quotes for Volvo S80s provided by Jerry to better understand how your driver profile might affect your cost.

2013 Volvo S80 car insurance quotes

Car
Insurance Company
Premium (monthly)
Customer
Insurance Coverage
$130
Louisa, 37
Hinesville, GA
• 50,000/100,000 Liability
2013
Volvo
S80 3.2
$67
Rodney, 52
Loveland, OH
• 50,000/100,000 Liability • Comp / Collision

See all Volvo S80 insurance information by year

Are Volvo S80s expensive to insure? 

A Volvo S80 costs an average of $2,352 per month to insure with a full coverage policy. Compared to the national average for vehicles in a similar price range, the S80 is 18% more more expensive to insure.
CarMonthly minimum coverage costMonthly full coverage cost
Volvo S80
$103
$196
Acura CL
$94
$158
Dodge Caravan
$84
$142
GMC Denali
$100
$182
Ram 1500
$98
$187
The reason similar cars may have different insurance costs lies in the comprehensive assessment carried out by insurance companies. Elements like MSRP, trim level, model year, and repair expenses play a significant role in determining the overall insurance pricing for a particular vehicle.

What other factors affect Volvo S80 insurance rates?

In addition to your model’s information, insurance companies will look at your driver profile when setting ratings for your Volvo S80. Your age (or driving experience) and your driving record are the two most important factors when it comes to setting your insurance rates. 

Volvo S80 insurance cost for young drivers

Teen drivers
pay more for auto insurance than any other age group. That’s because driver age is a good estimate of experience—and 16- to 19-year-old drivers have less experience than anyone else. 
With limited driver experience, the risk of accidents and insurance claims goes up, adding to the risk insurance companies associate with your profile. 
card cover
James (24 years old)
coverageCoverage
State Minimum
carVolvo S80 3.2
$257
per month
card cover
Jeremiah (23 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$124
per month
card cover
Catherine (23 years old)
coverageCoverage
State Minimum
$221
per month
card cover
Roxie (21 years old)
coverageCoverage
State Minimum
carVolvo S80 2.5T
$120
per month
card cover
Connor (24 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
$114
per month

Volvo S80 insurance cost for senior drivers

Senior drivers
tend to pay very low rates for insurance, since a driver with multiple decades of experience is typically a fairly safe driver. 
However, drivers in their late 70s and onward often see rates begin to climb again. That’s because slower reaction times and higher medical fragility lead to more frequent—and more serious—accidents.
card cover
Susie (66 years old)
coverageCoverage
State Minimum
$71
per month
card cover
Lillian (65 years old)
coverageCoverage
State Minimum
carVolvo S80 3.2
$110
per month

Volvo S80 insurance cost for drivers with driving violations 

Drivers with clean driving records usually receive the lowest rates from car insurance companies. If you have a ticket or accident on your record, on the other hand, you can expect to see a temporary surcharge on your policy. 
The most common driving violations that raise auto insurance premiums include: 
  • Speeding tickets
  • Driving under the influence (DUI)
  • At-fault accidents
  • Failure to yield/improper passing
  • Driving without insurance

Cheapest car insurance for Volvo S80 drivers with a DUI record

Driving with a DUI typically means paying significantly higher car insurance rates—but surcharges vary significantly from one provider to another. 
Some insurance companies are fairly lenient with DUIs, putting greater emphasis on other factors in your driver profile, while other companies might turn you away if they see those three letters on your record. 
Jerry’s a pro at finding cheap rates for drivers with DUIs—as well as drivers with clean records! Check out the real quotes we’ve found for S80 owners with DUIs below. 
card cover
Norman (33 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$52
per month
card cover
Rosa (44 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
$52
per month

Cheapest car insurance for Volvo S80 drivers after an accident

If you’re found at fault in an accident in your Volvo S80, expect your auto insurance rates to increase as a result. Insurance companies base their rates on risk calculations, and an at-fault accident translates to a risk of future accidents. 
But don’t despair—Jerry can help you find affordable quotes even with an accident on your record.
Accident typeCarInsurance CompanyPremium (monthly)CustomerInsurance coverage
At Fault With Injury
Volvo S80Progressive
$98
• 50,000/100,000 Liability
At Fault With No Injury
Volvo S80Allstate
$221
• State Minimum Liability
At Fault With Injury
Volvo S80 T6Safeco
$87
• State Minimum Liability
• Comp / Collision
Not At Fault
Volvo S80 2.5TTravelers
$86
• State Minimum Liability
At Fault With No Injury
Volvo S80 3.2Mercury
$152
• 100,000/300,000 Liability
• Comp / Collision
coverageLast Updated May 27, 2024

Cheapest car insurance for Volvo S80 drivers with other driving violations on their record

Speeding tickets, DUIs, and accidents aren’t the only incidents that can impact the cost of your car insurance. We’ve compiled a list of other driving violations and the rates we helped S80 drivers find afterwards.

ViolationCarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Failure to Yield
Volvo S80 3.2Progressive
$343
• No Coverage Liability
Failure to Yield
Volvo S80 3.2
Gainsco
$254
• State Minimum Liability
Improper Passing
Volvo S80 3.2Progressive
$139
• State Minimum Liability
• Comp / Collision
coverageLast Updated May 28, 2024

How can I lower the cost of insurance for my car?

If you feel you’re overpaying for your Volvo S80’s insurance policy, follow these strategies to lower your rates: 
  • Shop around: Frequent rate comparisons can help you avoid overpaying for auto insurance—especially in the new changing landscape of car insurance! Jerry makes it easy to turn on automatic reshopping once you’re locked into one policy, and you can switch any time! 
  • Raise your deductibles: If you have full coverage on your policy, try
    adjusting the deductibles
    on your comprehensive and collision coverage. A higher deductible means lower monthly costs. 
  • Reduce coverage on older cars: While newer vehicles need full coverage, you may be able to
    drop some coverage
    if you own an older car that’s worth less than 10 times the premium you’re paying. 
  • Look into discounts: Still in school? Check for good student discounts. Own more than one car? Look into multi-policy discounts. 
  • Enroll in telematics: Most major insurers, like Allstate and State Farm, offer discounts to drivers who track their driving with a telematics app. 
  • Bundle your insurance policies:
    Bundling your car and home insurance
    with the same company can lead to lower overall bills. 

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. 
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). 
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.  
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. 
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet our experts

avatar
R.E. Fulton
badge icon
Licensed Insurance Agent —Senior Content Writer
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
avatar
Sarah Gray
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Licensed Insurance Agent — Expert Insurance Writer and Editor
Sarah Gray is an insurance writer with nearly a decade of experience in publishing and writing. Sarah specializes in writing articles that educate car owners and buyers on the full scope of car ownership—from shopping for and buying a new car to scrapping one that’s breathed its last and everything in between. Sarah has authored over 1,500 articles for Jerry on topics ranging from first-time buyer programs to how to get a salvage title for a totaled car.
Prior to joining Jerry, Sarah was a full-time professor of English literature and composition with multiple academic writing publications.
avatar
Josh Damico
badge icon
Head Of Insurance Operations
badge icon
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.