Cheap Volvo S80 Car Insurance in 2024 (Lower Your Rates With These 10 Top Companies!)
Find the best rates for cheap Volvo S80 car insurance with State Farm, Travelers, and Progressive, starting from as low as $56 per month. Explore why these insurers provide competitive pricing, comprehensive coverage, and excellent customer support, making them top choices for your Volvo S80 insurance needs.
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
Licensed Insurance Agent
UPDATED: Aug 19, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Aug 19, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
17,759 reviewsCompany Facts
Min. Coverage for Volvo S80
A.M. Best Rating
Complaint Level
Pros & Cons
17,759 reviews
1,731 reviewsCompany Facts
Min. Coverage for Volvo S80
A.M. Best Rating
Complaint Level
Pros & Cons
1,731 reviews
13,128 reviewsCompany Facts
Min. Coverage for Volvo S80
A.M. Best Rating
Complaint Level
Pros & Cons
13,128 reviews
The top picks for cheap Volvo S80 car insurance are State Farm, Travelers, and Progressive, known for their affordability and comprehensive coverage.
These companies are renowned for their high customer satisfaction and provide various options designed to address the unique needs of Volvo S80 owners. Their competitive rates and comprehensive policy options make obtaining the right coverage both affordable and simple.
Our Top 10 Company Picks: Cheap Volvo S80 Car Insurance
Company Rank Monthly Rates A.M. Best Best For Jump to Pros/Cons
#1 $56 B Young Drivers State Farm
#2 $58 A Bundling Policies Travelers
#3 $61 A++ Usage-Based Programs Progressive
#4 $63 A+ Affordable Rates Geico
#5 $65 A++ Safe Drivers American Family
#6 $66 A++ Customer Service Farmers
#7 $68 A+ Multi-Policy Discounts Nationwide
#8 $71 A Accident Forgiveness Liberty Mutual
#9 $73 A+ New-Car Owners Allstate
#10 $77 A+ High-Risk Drivers The General
Car insurance is an essential aspect of owning and driving a vehicle, including the luxurious Volvo S80. See details on our article titled “Cheapest Car Insurance Companies.”
As a responsible car owner, it’s important to understand the factors that determine the cost of insuring your Volvo S80 and how you can find affordable insurance options without compromising on coverage. Use our free quote comparison tool above to find the cheapest coverage in your area.
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#1 – State Farm: Top Overall Pick
Pros
- High Customer Satisfaction: State Farm consistently receives high ratings for customer service and claims handling, making it a reliable choice for Volvo S80 owners and drivers.
- Comprehensive Coverage Options: Offers a wide range of coverage options tailored to different needs, which helps ensure that Volvo S80 enthusiasts can find the right policy for their vehicle.
- Discount Opportunities: Provides numerous discounts including safe driver and multi-policy discounts, potentially lowering costs for Volvo S80 drivers. Learn more about our offerings in the article titled “State Farm Insurance Review & Ratings.”
Cons
- Average Premiums: While competitive, State Farm’s rates may not be the lowest for high-risk drivers, which could be a concern for some Volvo S80 owners.
- Limited Usage-Based Programs: Lacks extensive options for usage-based insurance discounts, which may not appeal to Volvo S80 enthusiasts interested in saving based on driving habits.
#2 – Travelers: Best for Bundling Policies
Pros
- Bundling Discounts: Offers substantial savings when bundling auto with other insurance policies, making it ideal for Volvo S80 owners looking to save on multiple types of coverage.
- Flexible Coverage Options: Provides customizable policies to fit individual needs, ensuring that Volvo S80 drivers can tailor their coverage effectively. Delve into our evaluation of our article titled “Travelers Insurance Review & Ratings.”
- Strong Financial Stability: High ratings from financial strength agencies (A) ensure reliable claims payments, which benefits Volvo S80 enthusiasts seeking dependable coverage.
Cons
- Higher Rates for Some Drivers: Premiums may be higher for drivers with poor credit or a history of accidents, which can impact affordability for Volvo S80 owners.
- Limited Local Agents: Fewer local agents compared to competitors, which may affect personalized service availability for Volvo S80 drivers.
#3 – Progressive: Best for Usage-Based Program
Pros
- Usage-Based Insurance Program: Offers the Snapshot program, allowing Volvo S80 drivers to potentially save based on driving behavior, making it a great choice for those who drive safely.
- Competitive Rates: Often provides some of the lowest rates available, benefiting budget-conscious Volvo S80 owners.
- Innovative Tools: Provides various online tools and resources for managing policies and comparing options, enhancing the experience for Volvo S80 enthusiasts. Read up on the “Progressive Insurance Review & Ratings” for more information.
Cons
- Customer Service Issues: Some users report difficulties with customer service and claims handling, which can affect the overall experience for Volvo S80 owners.
- Complex Discounts: The range of discounts and their applicability can be confusing, potentially complicating the savings process for Volvo S80 drivers.
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#4 – Geico: Best for Affordable Rates
Pros
- Extensive Discounts: Offers multiple discounts including for military, federal employees, and safe drivers, which can significantly reduce costs for Volvo S80 drivers.
- Easy Online Management: Features a user-friendly website and mobile app for managing policies, adding convenience for Volvo S80 enthusiasts. Read up on the “Geico Insurance Review & Ratings” for more information.
- High Ratings for Claims Handling: Generally receives positive feedback for the efficiency of its claims processing, ensuring reliable support for Volvo S80 owners.
Cons
- Limited Coverage Options: May not offer as many specialized coverage options as other insurers, which could limit flexibility for Volvo S80 enthusiasts.
- Inconsistent Customer Service: Service quality can vary by location, with some customers reporting less satisfactory experiences, potentially impacting Volvo S80 drivers.
#5 – American Family: Best for Safe Drivers
Pros
- Comprehensive Coverage: Provides a wide array of coverage options and unique add-ons, ensuring Volvo S80 enthusiasts get the protection they need. Access comprehensive insights into our article titled “American Family Insurance Review & Ratings.”
- Good Customer Service: Generally receives positive reviews for customer support and service, enhancing the overall experience for Volvo S80 owners.
- Flexible Payment Plans: Offers various payment options to fit different budgets, which can help Volvo S80 drivers manage their insurance costs.
Cons
- Higher Premiums for Some Drivers: Rates may be higher compared to some competitors, which might affect affordability for some Volvo S80 owners.
- Limited Availability: Not available in all states, which could restrict options for some Volvo S80 drivers.
#6 – Farmers: Best for Customer Service
Pros
- Strong Customer Service: Known for excellent customer support and personalized service, which enhances the overall experience for Volvo S80 owners.
- Customizable Policies: Offers flexible coverage options to tailor insurance to individual needs, ensuring comprehensive protection for Volvo S80 enthusiasts.
- Good Claims Handling: Generally receives positive feedback for efficient claims processing, providing reliable service for Volvo S80 owners. Access comprehensive insights into our article titled “American Family Insurance Review & Ratings.”
Cons
- Higher Rates: Premiums can be higher compared to some other insurers, which might impact affordability for Volvo S80 drivers.
- Complex Pricing: Rate structures can be complicated, with significant variation depending on individual factors, potentially affecting Volvo S80 enthusiasts.
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#7 – Nationwide: Multi-Policy Discounts
Pros
- Multi-Policy Discounts: Provides significant savings for bundling multiple insurance policies, which can lower overall costs for Volvo S80 owners.
- Good Customer Service: Known for positive feedback regarding customer support and service quality, enhancing the experience for Volvo S80 enthusiasts.
- Innovative Tools: Provides helpful online tools and resources for managing policies, adding convenience for Volvo S80 drivers. More information is available about this provider in our article titled “Nationwide Insurance Review & Ratings.”
Cons
- Higher Premiums: Rates may be higher for certain demographics or driving histories, potentially impacting affordability for Volvo S80 owners.
- Limited Discounts: Fewer discount options available compared to some competitors, which might reduce savings opportunities for Volvo S80 drivers.
#8 – Liberty Mutual: Best for Accident Forgiveness
Pros
- Accident Forgiveness: Offers programs that forgive your first accident, which can help keep rates lower for Volvo S80 owners over time.
- Discount Opportunities: Includes discounts for safe driving, multiple vehicles, and more, which can reduce premiums for Volvo S80 drivers.
- Good Financial Stability: Rated A for financial strength, ensuring reliable claims payments for Volvo S80 owners. To discover more about the company, check out our article titled “Liberty Mutual Review & Ratings.”
Cons
- Complex Policy Options: The variety of coverage options can be overwhelming, making it difficult for Volvo S80 drivers to choose the best policy.
- Customer Service Issues: Some customers report less satisfactory service compared to other providers, which can affect the experience for Volvo S80 owners.
#9 – Allstate: Best for New-Car Owners
Pros
- New-Car Owner Discounts: Offers discounts for owners of new cars, which benefits Volvo S80 owners who have recently purchased their vehicles. Discover information in our article titled “Allstate Insurance Review & Ratings.”
- Comprehensive Coverage Options: Provides a broad range of coverage options and add-ons to suit various needs, ensuring Volvo S80 enthusiasts have adequate protection.
- Good Customer Support: Generally receives positive feedback for customer service and support, enhancing the overall experience for Volvo S80 drivers.
Cons
- Higher Premiums: Rates can be higher compared to some competitors, which may impact affordability for Volvo S80 drivers.
- Discount Complexity: The range and eligibility for discounts can be complex, potentially making it harder for Volvo S80 enthusiasts to maximize savings.
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#10 – The General: Best for High-Risk Drivers
Cons
- Limited Coverage Options: Fewer customization and add-on options compared to other insurers, which might limit flexibility for Volvo S80 enthusiasts.
- Customer Service Concerns: Some users report issues with customer service and claims handling, which can impact overall satisfaction for Volvo S80 drivers.
Understanding the Factors That Determine Volvo S80 Car Insurance Rates
When it comes to calculating car insurance rates for a Volvo S80, several key factors play a significant role. Insurance providers consider factors such as the model year, the make and model of the vehicle, the cost of repairs, and the vehicle’s overall safety rating. See more details on our article titled “Best Car Insurance for Full Coverage.”
Additionally, insurance companies will take into account the driver’s age, driving history, and location. These factors help assess the potential risk associated with insuring a particular car and ultimately influence the insurance rates.
Volvo V60 Car Insurance Monthly Rates by Coverage Level & Provider
Insurance Company Minimum Coverage Full Coverage
Allstate $85 $170
American Family $68 $135
Erie $65 $130
Farmers $72 $145
Liberty Mutual $88 $175
Nationwide $75 $150
Progressive $70 $140
State Farm $78 $155
The Hartford $80 $160
Travelers $82 $165
Another important factor that insurance providers consider when determining Volvo S80 car insurance rates is the driver’s credit history. Insurance companies often use credit scores as a way to assess the likelihood of a driver filing a claim.
A higher credit score is typically associated with a lower risk of accidents or other incidents, which can result in lower insurance rates. In addition to credit history, insurance providers may also take into account the driver’s annual mileage.
The more miles a driver puts on their Volvo S80, the higher the risk of accidents or other incidents. Insurance companies may offer lower rates to drivers who have a lower annual mileage, as they are considered to be at a lower risk of being involved in accidents.
The Importance of Shopping Around for Volvo S80 Car Insurance Quotes
It’s essential to shop around and obtain multiple quotes when looking for Volvo S80 car insurance. Insurance rates can vary significantly between providers, and comparing quotes allows you to find the most competitive rates for the coverage you need.
Take the time to research different insurance companies, review their policies, and request personalized quotes to ensure you are getting the best value for your money. Enter your ZIP code below into our free comparison tool to find the lowest prices in your area.
Unlock details in our article titled “Best Low Mileage Car Insurance Discounts.”
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Comparing Different Insurance Providers and Their Rates for the Volvo S80
Comparing insurance providers and their rates for the Volvo S80 is a vital step in finding the best insurance coverage at the most competitive prices. Start by researching reputable insurance companies that specialize in providing coverage for luxury vehicles like the Volvo S80.
Contact each insurer and request quotes based on your specific circumstances and coverage needs. Compare the quotes side by side, ensuring you consider the coverage limits, deductibles, and any additional benefits offered.
By carefully evaluating different insurers, you can make an informed decision and choose the one that offers the best value for your Volvo S80 car insurance needs. Learn more in our article titled “A.M. Best Ratings Explained.”
The Impact of Your Location on Volvo S80 Insurance Costs
It’s important to note that your location can have a significant impact on Volvo S80 insurance costs. Insurers take into account factors such as the crime rate, traffic congestion, and accident statistics in determining the rates for specific regions. See more details on our article titled “Best Safe Driver Car Insurance Discounts.”
If you live in an area with a high crime rate or frequent accidents, your insurance premiums are likely to be higher. On the other hand, living in a safe neighborhood or an area with relatively low crime rates can work in your favor, potentially leading to lower insurance costs for your Volvo S80. Enter your ZIP code below into our free comparison tool to find the lowest prices in your area.
How Your Driving History Affects the Cost of Insuring a Volvo S80
Your driving history plays a crucial role in determining the cost of insuring your Volvo S80. Insurance providers consider factors such as your accident history, previous claims, and any traffic violations when calculating your insurance rates. Discover insights in our article titled “Collision vs. Comprehensive Car Insurance.”
If you have a clean driving record with no accidents or violations, you are likely to qualify for lower insurance premiums. However, a history of accidents or traffic violations can result in higher insurance rates, as insurers consider you to be a higher risk driver. For an in-depth investigation, peruse our comprehensive guide named “How does the insurance company determine my premium?”
Schimri Yoyo
Licensed Agent & Financial Advisor
Being aware of and maintaining a good driving record can help you secure more affordable insurance rates for your Volvo S80.
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Frequently Asked Questions
What factors affect the cost of Volvo S80 car insurance?
The cost of Volvo S80 car insurance can be influenced by various factors, including the driver’s age, driving record, location, coverage options, deductible amount, and the insurance company’s pricing policies.
Are Volvo S80 cars expensive to insure?
The insurance cost for Volvo S80 cars can vary depending on several factors, but they are generally considered to be moderately priced to insure compared to some luxury vehicles. Enter your ZIP code below into our free comparison tool to find the lowest prices in your area.
Why are Volvo S80 cars typically cheaper to insure than other luxury vehicles?
Volvo S80 cars are often cheaper to insure than other luxury vehicles due to their strong safety features, including advanced driver-assistance systems and robust construction, which can help reduce the risk of accidents and lower insurance premiums. To find out more, explore our guide titled “Defensive Driving Courses Can Lower Your Car Insurance Rates.”
Can I get discounts on Volvo S80 car insurance?
Yes, many insurance companies offer discounts that can help reduce the cost of Volvo S80 car insurance. These discounts may include safe driver discounts, multi-policy discounts, anti-theft device discounts, and good student discounts, among others.
Is it more expensive to insure a new Volvo S80 or a used one?
The insurance cost for a new Volvo S80 is generally higher than for a used one. This is because new cars have a higher value and may require more expensive repairs or replacements in case of an accident.
However, other factors such as the driver’s profile and coverage options also play a role in determining the insurance cost. Enter your ZIP code below into our free comparison tool to find the lowest prices in your area.
What are the main advantages of State Farm’s insurance for Volvo S80 owners?
State Farm offers a broad range of coverage options that can be tailored to meet individual needs, making it suitable for Volvo S80 owners seeking customizable insurance plans.
Additionally, State Farm is known for its strong customer service and local agent network, ensuring reliable support and assistance. Learn more about our offerings in the article titled “State Farm Insurance Review & Ratings.”
How might a driver’s credit score affect their insurance rates for a Volvo S80?
A driver’s credit score can significantly impact their insurance rates, as insurers often use it to assess risk. Generally, a higher credit score is associated with lower insurance premiums, as it indicates a lower likelihood of filing claims.
What type of discounts might be available for Volvo S80 insurance from Travelers?
A driver’s credit score can significantly impact their insurance rates, as insurers often use it to assess risk. Generally, a higher credit score is associated with lower insurance premiums, as it indicates a lower likelihood of filing claims. Enter your ZIP code below into our free comparison tool to find the lowest prices in your area.
What should Volvo S80 owners consider when choosing between different insurance coverage options?
Volvo S80 owners should consider the coverage limits, deductibles, and any additional benefits provided by each insurance policy. Comparing these factors helps ensure that they select a plan that balances affordability with comprehensive protection tailored to their needs. To learn more, explore our comprehensive resource on “Best Car Insurance for Liability Insurance.”
How does maintaining a clean driving record influence the cost of insuring a Volvo S80?
Maintaining a clean driving record can lead to lower insurance premiums, as insurers view drivers with no accidents or violations as lower risk. This can result in significant savings on insurance costs for Volvo S80 owners who consistently demonstrate safe driving habits.
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
