2004 Volvo S80 - car insurance quotes

How much does it cost to insure a  Volvo S80 2.4 D5 Automatic 2.401 cc in 2023?

---

The average insurance rate is at $1,297 per year for  adults, $2,151 for  teens and $1,076 for  senior drivers.

How much does 2004 Volvo S80 car insurance cost, what is the true cost to own this vehicle in your state and how can you save money on your policy in 2023? Volvo S80 (2.4 D5 Automatic) car insurance rates may vary for the same coverage depending on your location, driving history or by your age, but the types of coverage are basically the same and differs only in details. The average insurance price of a used Volvo S80 is above $90 a month ($1.080 yearly), depending on many variables like your credit score, place you live, driver record and the type and model of Volvo you drive (http://www.volvocars.com/us)! Your actual auto insurance costs could be higher or lower, if your car will be equipped with a number of modern safety and driver assistance features. A typical full coverage insurance policy for your Volvo model with 169 engine should cover liability for injuries or damages, comprehensive coverage that covers damage to your car caused by events that are out of your control and collision (optional - helps pay to repair or replace your Volvo S80 if it's damaged in a traffic accident with another car or object), and finally uninsured motorist and medical coverage.

On average, car insurance cost for a 2004 Volvo S80 is $90 a month, which is around $1.080 a year. Get personalised quotes from multiple insurance companies using our FREE service!

How does age of your car affect car insurance costs?

2004 Volvo S80 is a 21 years old vehicle. Older vehicles are typically cheaper to insure because they’re less valuable than newer models. On the other hand, newer models of S80 (2004) are eligible for many discounts for vehicles loaded with a long list of safety features, technology, anti-theft and driver assistance equipement. The most important safety features, that can earn you an auto insurance discount and are a standard on all modern S80 cars include: anti-lock braking systems (ABS), automatic seatbelts, air bags and traction control.

---

Volvo S80, 2.4 D5 Automatic has engine power of 2401 cc, which means it is a medium-powered car. The downside is that high-powered vehicles are often considered more dangerous and therefore may increase premium rates. If you want to lower your car insurance rates, be sure to buy a car that isn't a high performer.

Insurance Company	New Vehicles *	Used Vehicles *
Allied	$797	$768
GEICO	$586	$538
Nationwide	$855	$672
Progressive	$355	$288
State Farm	$480	$355
Texas Farm Bureau	$797	$643
USAA	$634	$538
* Rough estimate for a new vs 21 years old used Volvo S80, 2.4 D5 Automatic. Your insurance premium will always depend on your driving history, the level of coverage and on the exact models of vehicles you're comparing!

Compare 2004 Volvo S80 car insurance quotes and find out who has the cheapest rates in 2023!

Finding the most affordable car insurance for your Volvo, S80 is not as hard as it used to be in the past. Here are some facts, that can help you lower auto insurance costs for your model of Volvo (made in 2004) at the best possible rate while maintaining adequate coverage. Choosing top-rated insurer near you, who provides perfect customer services and competitive prices, should be the first step when shopping for better policy. Below are some tips and tricks to help you get affordable Volvo S80 auto insurance quotes in 2023 and save money on your vehicle. The truth is that every driver will pay for the same coverage at the same company a completely different price!

How much is car insurance for a 2004 Volvo S80 in 2023? As you can see below, the lowest rates are around $960.4, while the highest ones fluctuate around $2016.84 yearly. This price is influenced by many factors, and no single insurer can claim to be the low-price leader.

Insurance Company	Annual Rates (Estimate*)
GEICO	$1,023
American Family	$999
Erie	$998
Progressive	$1,176
State Farm	$1,295
Auto Owners	$1,151
State Auto	$1,364
Nationwide	$1,326
Farmers	$1,157
Allstate	$1,641
Safe Auto	$1,737
MetLife	$1,854
Victoria	$1,967
Allied	$1,388
Liberty Mutual	$1,655
Encompass	$2,060
* Just a rough estimate for 2004 Volvo S80, 2.4 D5 Automatic

How to reduce your insurance premium costs?

Many people forget that the type of a car you get (model S80, make Volvo) can have a huge impact on your car insurance costs. Some vehicles, such as: Honda Accord 2023, Toyota Corolla, Ford pickup, Nissan Altima, Toyota Camry 2021, Honda Civic, Ram pickup, Nissan Maxima, Dodge Caravan, Chevrolet pickup, Acura Integra, Cadillac Escalade and many others, are big targets for thieves (at least in 2016 - 2018). A higher deductible for your Volvo, S80 will also reduce your premiums because you pay more out of pocket if you have a claim. If you haven't had a traffic violation within 3 and more years and have a very good driving record a higher deductible might be a good bet. So, how can you reduce your insurance policy payments?

• Don't ignore small regional insurers.
• Review your existing coverage and choose a higher deductible.
• Shopping around is the key to saving money on car insurance.
• Negotiate with an agent or directly with auto insurance company.
• Check for 2004 S80 car insurance discounts: good/safe driver, good student, multi-policy, homeowner (bundling).
• If you don't qualify for these discounts, explore other options available or switch the insurance company.
• Remember, that having a bad driving record, poor credit score or being a young driver (teen) is considered a risk by all insurance companies.

The most and least expensive 2004 Volvo S80 auto insurance rates by state!

How to calculate premium for Volvo S80 (2004) car insurance online? By using our insurance calculator, you can determine and calculate the cost of your insurance policy, check the average rates of car insurance for your age and location and find out if you are paying more or less than other people in your area. By reading the table below, you can compare the most and least expensive states for 2004 S80 (2.4 D5 Automatic) car insurance. Calculate your price online and get a free car insurance quote without using sensitive personal information such as your age, credit score, phone number, email or social security number (SSN).

Rank	State	Lowest Rates	Highest Rates
1	Vermont	$720	$1,008
2	Ohio	$730	$1,028
3	Idaho	$749	$1,056
4	Virginia	$778	$1,104
5	Iowa	$807	$1,143
6	New Hampshire	$845	$1,162
7	Wisconsin	$855	$1,191
8	North Dakota	$874	$1,258
9	Indiana	$893	$1,325
10	North Carolina	$912	$1,373
11	Pennsylvania	$922	$1,450
12	Utah	$941	$1,469
13	Maine	$951	$1,498
14	Massachusetts	$970	$1,527
15	Alaska	$980	$1,546
16	Tennessee	$989	$1,585
17	South Dakota	$999	$1,671
18	Nebraska	$1,008	$1,719
19	Minnesota	$1,018	$1,748
20	Illinois	$1,018	$1,777
21	Hawaii	$1,028	$1,815
22	Alabama	$1,037	$1,844
23	Oregon	$1,047	$1,873
24	Missouri	$1,056	$1,940
25	Washington	$1,104	$2,007
26	South Carolina	$1,114	$2,055
27	Kansas	$1,143	$2,094
28	New Mexico	$1,162	$2,142
29	Arizona	$1,191	$2,161
30	New York	$1,210	$2,171
31	National average	$1,249	$2,199
32	New Jersey	$1,268	$2,267
33	West Virginia	$1,306	$2,286
34	Mississippi	$1,335	$2,315
35	Maryland	$1,364	$2,343
36	Montana	$1,402	$2,391
37	Nevada	$1,431	$2,411
38	Arkansas	$1,450	$2,449
39	Kentucky	$1,460	$2,487
40	Oklahoma	$1,508	$2,516
41	Wyoming	$1,537	$2,535
42	Colorado	$1,575	$2,583
43	Texas	$1,604	$2,603
44	Delaware	$1,642	$2,641
45	Georgia	$1,681	$2,651
46	California	$1,719	$2,680
47	DC	$1,748	$2,699
48	Connecticut	$1,786	$2,728
49	Rhode Island	$1,806	$2,737
50	Florida	$1,834	$2,795
51	Louisiana	$1,873	$2,833
52	Michigan	$1,911	$2,881
* Compare 2004 Volvo S80 car insurance rates by location and find out who has the best insurance quotes in your area in 2022 - 2023! Only rough calculation for adults with good credit score, driving history and accident-free driving. Choosing an auto insurance company is difficult, your actual rates may vary since the cost of your policy is influenced by many factors.

Car Insurance for Teens, Young Drivers, Students, Seniors

Is it a good idea for a young driver to drive a car like 2004 Volvo S80 (Automatic transmission, 1750 rpm)? For insurers, teens are some of the high-risk drivers so you can expect car insurance rates to go up when you add a teen driver to the insurance policy. As you can see below, the average Volvo S80 annual insurance cost for a 16 year old is approximately $2208.92, while the cost of the same coverage for seniors aged 70 - 74 is $1018.024. How to lower car insurance rates for high risk drivers (teens, college students, new drivers, convicted drivers) is a very common question. There are a few tips. You can ask your insurance company for a low-mileage discount and usage-based discounts. Also choose a car wisely (Volvo, S80 have 2401 cc, 169 ps) and add your teen to your policy. Consider to increase your deductibles and adjust your existing coverage. Being younger than 18, 21, 25 years old means, you are statistically present a higher risk to insurance companies. How to save money on student car insurance?

Your Age	Average Rate (Estimate*)
16 - 19	$2,113
20 - 24	$2,055
25 - 29	$1,729
30 - 34	$1,489
35 – 39	$1,201
40 – 44	$1,249
45 – 49	$1,143
50 – 54	$999
55 – 59	$1,229
60 – 64	$1,028
65 – 69	$1,076
70 – 74	$970
75 and more	$999
* Rough estimate for teens, adults and seniors who are driving Volvo S80 (2004)

Some insurance companies and brokers rewards students financially for doing well in school, while others prefer students who complete an approved driver's education course. As you can see in the above table, people between the ages of 60 and 75 are statistically risk-free drivers and can pay less than $816 annualy. What kind of car insurance discounts for seniors are available? Most car insurance companies offer reduced auto insurance rates to drivers who are over 50 years of age. It means, people over 50 - 60 are eligible for senior discounts. Is Volvo, S80 good for senior drivers? If you have questions or issues relevant to Volvo S80 or another vehicle, please ask in the discussion.

You know you need to insure your 2004 Front Volvo, S80, but do you really know, how much should you pay for your coverage every month or year? Ask for quotes from multiple companies

Volvo S80: Exterior Specs, Features & Options

The engine of Volvo, S80 (5 cyl) is mated to a Automatic transmission, that in this case, sends power to the Front. S80 Sedan, 2401 CC (liter), 169 ps (98.6% of a brake horsepower) is matched to an 2.4 D5 Automatic for 2004. The truth is that horsepower sells cars, but torque wins races! Some car insurance companies find that cars with a higher horsepower (Volvo, S80 has horsepower of 169 ps & 2401 cc's = cubic capacity measured in cubic centimeters) are involved in fewer auto insurance claims than those with less horsepower and torque. On the other hand, when a higher horsepower car is involved in a car accident, they usually cause more serious damage to others, which can affect car insurance rates. Model 2.4 D5 Automatic has an engine torque of 340 nm & 1750 rpm. The power and maximum speed of the Volvo S80 vehicle (9.8/100 Kph & sorry, we do not know the maximum speed of Volvo, S80 Kph top speed) are a powerful marketing tool, but for technically demanding drivers, it's the mass of the car (1617 kg is the weight of this model), its engine torque and the engine rotation speed.