- Volvo S80 car insurance averages $1,880 per year or around $157 per month, but vary considerably based on driver age.
- The cheapest Volvo S80 insurance can usually be found on the T5 Drive-E Sedan trim at $1,838 per year.
- The S80 T5 Platinum Sedan has the highest auto insurance rates at $1,922 per year.
- The Volvo S80 is one of the cheaper midsize luxury cars to insure, costing $401 less per year on average as compared to the rest of the vehicles in the segment.
How much does Volvo S80 insurance cost?
Volvo S80 car insurance rates cost an average of $1,880 a year, or about $157 monthly. Drivers can plan on paying about $401 less each year for Volvo S80 insurance compared to the average rate for midsize luxury cars, and $396 less per year than the overall national average of $2,276.
The cost summary chart below illustrates average car insurance cost on a 2016 Volvo S80 using different deductibles and driver age groups.
The rate table below shows the average yearly and semi-annual policy costs, plus a monthly budget figure, for each Volvo S80 model package and trim level.
| 2016 Volvo S80 Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| T5 Drive-E Sedan | $1,838 | $153 |
| T5 Platinum Sedan | $1,922 | $160 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Updated October 24, 2025
The data table below shows average full coverage auto insurance policy costs for a Volvo S80 for the 2013-2016 model years and different driver age groups.
| Model Year and Vehicle | Driver Age 20 | Driver Age 40 | Driver Age 60 |
|---|---|---|---|
| 2016 Volvo S80 | $3,782 | $1,880 | $1,562 |
| 2015 Volvo S80 | $3,522 | $1,754 | $1,462 |
| 2014 Volvo S80 | $4,138 | $2,046 | $1,712 |
| 2013 Volvo S80 | $3,614 | $1,792 | $1,502 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all Volvo S80 trim levels for each model year. Updated October 24, 2025
How do Volvo S80 insurance rates compare?
When compared to other vehicles in the 2016 midsize luxury car class, auto insurance rates for a Volvo S80 cost $222 more per year than the Lexus ES 350, $316 less than the Infiniti Q50, and $78 less than the Lincoln MKZ.
The Volvo S80 ranks fourth out of 53 total comparison vehicles in the midsize luxury car segment for auto insurance affordability. The S80 costs an estimated $1,880 per year for an auto insurance policy with full coverage and the category average rate is $2,281 per year, a difference of $401 per year.
The next chart shows how average Volvo S80 car insurance cost compares to the top 10 selling midsize luxury cars in the United States like the Mercedes-Benz CLA250, Audi A6, and the Lexus ES 350. A comprehensive table is also included following the chart that details average car insurance prices for the entire midsize luxury car class.
| Rank | Make and Model | Annual Premium | Difference |
|---|---|---|---|
| 1 | Lexus ES 350 | $1,658 | -$222 |
| 2 | Acura ILX | $1,726 | -$154 |
| 3 | Lexus IS 300 | $1,836 | -$44 |
| 4 | Volvo S80 | $1,880 | -- |
| 5 | Mercedes-Benz C350E | $1,886 | $6 |
| 6 | Lexus RC 300 | $1,902 | $22 |
| 7 | Audi A3 | $1,930 | $50 |
| 8 | Mercedes-Benz AMG CLA45 | $1,954 | $74 |
| 9 | Lincoln MKZ | $1,958 | $78 |
| 10 | Lexus ES 300H | $1,972 | $92 |
| 11 | Audi A6 | $1,984 | $104 |
| 12 | Mercedes-Benz CLA250 | $2,028 | $148 |
| 13 | BMW 528i | $2,070 | $190 |
| 14 | Lexus GS 350 | $2,084 | $204 |
| 15 | Audi S4 | $2,102 | $222 |
| 16 | Mercedes-Benz E350 | $2,116 | $236 |
| 17 | BMW 428xi | $2,120 | $240 |
| 18 | Mercedes-Benz SLK55 AMG | $2,136 | $256 |
| 19 | Cadillac ELR | $2,142 | $262 |
| 20 | Mercedes-Benz C450 AMG | $2,150 | $270 |
| 21 | Jaguar XF | $2,152 | $272 |
| 22 | BMW 428i | $2,160 | $280 |
| 23 | Audi S5 | $2,168 | $288 |
| 24 | Hyundai Genesis | $2,184 | $304 |
| 25 | BMW 528xi | $2,188 | $308 |
| 26 | Infiniti Q50 | $2,196 | $316 |
| 27 | BMW 535xi | $2,204 | $324 |
| 28 | BMW 435xi | $2,230 | $350 |
| 29 | Mercedes-Benz E250 | $2,244 | $364 |
| 30 | Mercedes-Benz SL400 | $2,264 | $384 |
| 31 | BMW Active 5 | $2,268 | $388 |
| 32 | BMW 435i | $2,280 | $400 |
| 33 | BMW 535d | $2,302 | $422 |
| 34 | Mercedes-Benz E400 | $2,356 | $476 |
| 35 | BMW 535i | $2,360 | $480 |
| 36 | Mercedes-Benz E550 | $2,376 | $496 |
| 37 | Audi S6 | $2,398 | $518 |
| 38 | BMW 550i | $2,416 | $536 |
| 39 | Mercedes-Benz CLS400 | $2,492 | $612 |
| 40 | BMW 550xi | $2,510 | $630 |
| 41 | Mercedes-Benz SL550 | $2,516 | $636 |
| 42 | BMW 640i | $2,552 | $672 |
| 43 | Audi A7 | $2,562 | $682 |
| 44 | BMW 640xi | $2,570 | $690 |
| 45 | BMW M5 | $2,576 | $696 |
| 46 | Audi S7 | $2,584 | $704 |
| 47 | Tesla Model S | $2,650 | $770 |
| 48 | Mercedes-Benz S550E | $2,658 | $778 |
| 49 | BMW 650xi | $2,676 | $796 |
| 50 | Lexus GS F | $2,688 | $808 |
| 51 | BMW M6 | $2,866 | $986 |
| 52 | Mercedes-Benz SL63 AMG | $2,946 | $1,066 |
| 53 | Mercedes-Benz SL65 AMG | $3,672 | $1,792 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each vehicle from the 2016 model year. Updated October 24, 2025
Additional insurance rates and insights
Other details regarding the cost to insure a Volvo S80 include:
- Get cheaper rates because of your choice of occupation. Some insurance companies offer discounts for certain occupations like accountants, engineers, scientists, emergency medical technicians, members of the military, architects, and others. If you can qualify for this discount, you could save between $56 and $179 on your yearly insurance cost, depending on the policy coverages selected.
- Volvo S80 insurance rates for teens are expensive. Average rates for full coverage S80 insurance costs $6,722 per year for a 16-year-old driver, $6,503 per year for a 17-year-old driver, $5,812 per year for an 18-year-old driver, and $5,295 per year for a 19-year-old driver.
- Car insurance for high-risk drivers is expensive. For a 40-year-old driver, having enough accidents and violations to require a high-risk insurance policy could inflate rates by $2,272 or more per year.
- More discounts means cheap Volvo S80 insurance rates. Discounts may be available if the insured drivers are accident-free, drive a vehicle with safety or anti-theft features, choose electronic billing, are military or federal employees, or many other discounts which could save the average driver as much as $318 per year.
- Good credit scores mean better rates. Having a good credit rating over 800 could save as much as $295 per year compared to a credit rating of 670-739. Conversely, a mediocre credit score could cost up to $342 more per year.
- Younger drivers pay higher rates. The difference in insurance cost for a 2016 Volvo S80 between a 40-year-old driver ($1,880 per year) and a 20-year-old driver ($3,782 per year) is $1,902, or a savings of 67.2%.
- Avoid traffic tickets to pay less. To get the cheapest car insurance rates, it pays to follow the law. A couple of driving offenses can raise S80 car insurance policy cost by up to $498 per year. Serious violations like DUI/DWI and leaving the scene of an accident could raise rates by an additional $1,740 or more.