Are You Paying Too Much to Insure Your Volvo S80?

How much does Volvo S80 car insurance cost? We compare insurance rates for the T5 Drive-E and Platinum Sedans to find out how average prices measure up to the midsize luxury car segment.

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  • Volvo S80 car insurance averages $1,834 per year or around $153 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 $1,796 per year.
  • The S80 T5 Platinum Sedan has the highest auto insurance rates at $1,874 per year.
  • The Volvo S80 is one of the cheaper midsize luxury cars to insure, costing $393 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 $1,834 a year, or about $153 monthly. Drivers can plan on paying about $393 less each year for Volvo S80 insurance compared to the average rate for midsize luxury cars, and $387 less per year than the overall national average of $2,221.

The cost summary chart below illustrates average car insurance cost on a 2016 Volvo S80 using different deductibles and driver age groups.

Average 2016 Volvo S80 insurance premiums for different driver ages and risk scenarios.
Figure 1: Average 2016 Volvo S80 insurance premiums for different driver ages and risk scenarios. Rates updated on June 26, 2025.

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Data Methodology: Average rates are for a 2016 model year Volvo S80 with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Rates are averaged across all U.S. states and all Volvo S80 trim levels.

2016 Volvo S80 Insurance Cost Summary
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$4,210$351
Safe Driver Age 20$3,694$308
At-fault Accidents Age 40$2,596$216
Low Deductibles Age 40$2,388$199
Safe Driver Age 30$1,954$163
Safe Driver Age 40$1,834$153
Safe Driver Age 50$1,628$136
High Deductibles Age 40$1,550$129
Safe Driver Age 60$1,526$127
Discount Rate Age 40$1,524$127

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2016 Volvo S80 trim levels. Updated June 26, 2025

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 Insurance Rates by Trim Level
2016 Volvo S80 Trim Level Annual Premium Cost Per Month
T5 Drive-E Sedan$1,796$150
T5 Platinum Sedan$1,874$156

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 June 26, 2025

Insurance cost by trim level for a 2016 Volvo S80 ranging from the T5 Drive-E Sedan model at $1,796 per year to the T5 Platinum Sedan model at $1,874
Insurance cost by trim level for a 2016 Volvo S80 ranging from the T5 Drive-E Sedan model at $1,796 per year to the T5 Platinum Sedan model at $1,874

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.

Volvo S80 Insurance Cost by Model Year
Model Year and Vehicle Driver Age 20 Driver Age 40 Driver Age 60
2016 Volvo S80$3,694$1,834$1,526
2015 Volvo S80$3,440$1,712$1,428
2014 Volvo S80$4,038$1,994$1,672
2013 Volvo S80$3,524$1,750$1,468

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 June 27, 2025

Average insurance rates for 2013 to 2016 Volvo S80 models for drivers age 20, 40 and 60
Average insurance rates for 2013 to 2016 Volvo S80 models for drivers age 20, 40 and 60

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 $216 more per year than the Lexus ES 350, $310 less than the Infiniti Q50, and $80 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 $1,834 per year for an auto insurance policy with full coverage and the category average rate is $2,227 per year, a difference of $393 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.

Average 2016 Volvo S80 car insurance premium compared to other midsize luxury car models.
Figure 2: Average 2016 Volvo S80 car insurance premium compared to other midsize luxury car models. Rates updated on June 26, 2025.

Data Methodology: Average rates are for a 2016 model year Volvo S80. Rated driver is a 40-year-old married male driver with a clean driving record and no at-fault accidents. Average premium includes all Volvo S80 trim levels. Comprehensive and collision deductibles are $500 and rates are averaged for all U.S. states.

Volvo S80 Insurance Cost Compared to All Midsize Luxury Cars
Rank Make and Model Annual Premium Difference
1Lexus ES 350$1,618-$216
2Acura ILX$1,686-$148
3Lexus IS 300$1,792-$42
4Volvo S80$1,834--
5Mercedes-Benz C350E$1,842$8
6Lexus RC 300$1,856$22
7Audi A3$1,888$54
8Mercedes-Benz AMG CLA45$1,910$76
9Lincoln MKZ$1,914$80
10Lexus ES 300H$1,924$90
11Audi A6$1,936$102
12Mercedes-Benz CLA250$1,982$148
13BMW 528i$2,020$186
14Lexus GS 350$2,036$202
15Mercedes-Benz E350$2,062$228
16Audi S4$2,064$230
17Mercedes-Benz SLK55 AMG$2,068$234
18BMW 428xi$2,072$238
19Jaguar XF$2,084$250
20Cadillac ELR$2,090$256
21Mercedes-Benz C450 AMG$2,100$266
22BMW 428i$2,106$272
23Audi S5$2,116$282
24Hyundai Genesis$2,130$296
25BMW 528xi$2,138$304
26Infiniti Q50$2,144$310
27BMW 535xi$2,150$316
28BMW 435xi$2,174$340
29Mercedes-Benz E250$2,192$358
30Mercedes-Benz SL400$2,210$376
31BMW Active 5$2,218$384
32BMW 435i$2,224$390
33BMW 535d$2,250$416
34Mercedes-Benz E400$2,300$466
35BMW 535i$2,308$474
36Mercedes-Benz E550$2,320$486
37Audi S6$2,358$524
38BMW 550i$2,362$528
39Mercedes-Benz CLS400$2,436$602
40BMW 550xi$2,452$618
41Mercedes-Benz SL550$2,456$622
42BMW 640i$2,490$656
43Audi A7$2,504$670
44BMW 640xi$2,510$676
45BMW M5$2,518$684
46Audi S7$2,522$688
47Tesla Model S$2,590$756
48Mercedes-Benz S550E$2,594$760
49BMW 650xi$2,610$776
50Lexus GS F$2,622$788
51BMW M6$2,796$962
52Mercedes-Benz SL63 AMG$2,876$1,042
53Mercedes-Benz SL65 AMG$3,584$1,750

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 June 26, 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 $55 and $175 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 $6,562 per year for a 16-year-old driver, $6,349 per year for a 17-year-old driver, $5,672 per year for an 18-year-old driver, and $5,171 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 $2,216 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 $310 per year.
  • Good credit scores mean better rates. Having a good credit rating over 800 could save as much as $288 per year compared to a credit rating of 670-739. Conversely, a mediocre credit score could cost up to $334 more per year.
  • Younger drivers pay higher rates. The difference in insurance cost for a 2016 Volvo S80 between a 40-year-old driver ($1,834 per year) and a 20-year-old driver ($3,694 per year) is $1,860, or a savings of 67.3%.
  • 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 $490 per year. Serious violations like DUI/DWI and leaving the scene of an accident could raise rates by an additional $1,700 or more.