Best Volvo 850 Car Insurance in 2025 (Find the Top 10 Companies Here)

The best Volvo 850 car insurance providers are State Farm, Geico, and Progressive, with rates starting as low as $25 per month. State Farm stands out for offering the most comprehensive coverage and competitive pricing.

Geico and Progressive also provide excellent value with their affordable car insurance premiums and reliable service. These top choices ensure you get the best combination of price, coverage, and customer satisfaction for your Volvo 850.

Our Top 10 Company Picks: Best Volvo 850 Car Insurance

Need the cheapest car insurance possible? Enter your ZIP code above into our free comparison tool to find the most affordable rates for your vehicle.

#1 – State Farm: Top Pick Overall

Pros

• Affordable Rates: State Farm offers competitive rates for Volvo 850 insurance at $110. This affordability helps Volvo 850 owners save money while receiving comprehensive coverage tailored to the vehicle’s safety features. More information about their rates in our State Farm car insurance review.
• Discount Opportunities: State Farm provides various discounts, including those for good driving records and safety features, which are applicable to the Volvo 850. These discounts can further reduce the premium for your Volvo 850 insurance.
• Broad Coverage Options: State Farm’s insurance policies for the Volvo 850 include comprehensive and collision coverage. This extensive coverage ensures that you are protected against a wide range of potential damages and accidents involving your Volvo 850.

Cons

• Higher Rates for Additional Coverage: Adding extra coverage options to your Volvo 850 insurance policy with State Farm can increase the overall premium. This could make it less affordable if you are looking to keep costs low.
• Limited Availability in Some Areas: State Farm’s insurance services might not be available in all regions, potentially limiting coverage options for Volvo 850 owners in certain locations.

#2 – Geico: Best for Affordable Rates

Pros

• Lowest Premium: Geico offers the lowest premium for Volvo 850 insurance at $100. This makes it an excellent choice for budget-conscious Volvo 850 owners who want affordable coverage. Learn more in our Geico car insurance review.
• Flexible Discounts: Geico provides multiple discounts for Volvo 850 owners, including those for safe driving and vehicle safety features. These discounts help further reduce the already low insurance premiums.
• Strong Customer Service: Known for its efficient customer service, Geico offers easy-to-use online tools for managing your Volvo 850 insurance policy, enhancing the overall customer experience.

Cons

• Limited Coverage Options: Geico’s coverage options for the Volvo 850 may not be as extensive as those from other insurers, which could leave gaps in protection for your Volvo 850.
• Higher Rates for Older Vehicles: Geico’s rates for older Volvo 850 models might not be as competitive, potentially resulting in higher premiums if you own a classic or older Volvo 850.

#3 – Progressive: Best for Online Tools

Pros

• Comprehensive Coverage: Progressive offers extensive coverage options for the Volvo 850, including comprehensive and collision coverage. This ensures robust protection against a variety of risks associated with owning a Volvo 850.
• Customizable Policy: Progressive allows for extensive customization of insurance policies for the Volvo 850, enabling you to tailor coverage levels and deductibles to fit your specific needs and budget. Learn more details in our Progressive car insurance review.
• Competitive Rates: At $105, Progressive provides competitive rates for Volvo 850 insurance. This balance of affordability and coverage options is beneficial for Volvo 850 owners looking for good value.

Cons

• Potential for Rate Increases: Progressive’s rates for Volvo 850 insurance may increase significantly after an accident or claim, which could affect your long-term insurance costs for the Volvo 850.
• Complex Policy Options: The wide range of coverage options offered by Progressive might be overwhelming for some Volvo 850 owners, potentially making it difficult to select the best policy.

#4 – Allstate: Best for Premium Features

Pros

• Broad Coverage Selection: As mentioned in our Allstate car insurance review, Allstate offers a wide range of coverage options for the Volvo 850, including comprehensive and collision coverage. This extensive coverage helps protect your Volvo 850 against various risks.
• Various Discount Opportunities: Volvo 850 owners can benefit from discounts with Allstate, such as those for safe driving and vehicle safety features, which can help reduce insurance costs.
• Strong Financial Stability: Allstate’s strong financial stability ensures that claims for your Volvo 850 will be managed reliably and efficiently, providing peace of mind for Volvo 850 owners.

Cons

• Higher Premiums: Allstate’s insurance rates for the Volvo 850 are relatively high at $115, which could make it a less competitive option compared to other insurers.
• Customer Service Variability: The quality of customer service with Allstate can vary, which may affect your experience with managing your Volvo 850 insurance policy and handling claims.

#5 – USAA: Best for Military Families

Pros

• Lowest Premium: USAA offers the lowest premium for Volvo 850 insurance at $95. This is an excellent option for Volvo 850 owners seeking cost-effective coverage. Learn more in our USAA car insurance review.
• Excellent Discounts: USAA provides generous discounts for Volvo 850 owners, including those for safe driving and multiple policies, further reducing insurance premiums.
• Top-Rated Customer Service: Known for high customer satisfaction, USAA offers excellent service, ensuring that Volvo 850 owners receive prompt and effective assistance with their insurance needs.

Cons

• Limited Eligibility: USAA’s insurance is available only to military members and their families, which may exclude some Volvo 850 owners from accessing their competitive rates and top-notch service.
• Less Extensive Coverage Options: USAA’s coverage options for the Volvo 850 might not be as comprehensive as those offered by other insurers, potentially leaving gaps in protection.

#6 – Farmers: Best for Flexible Plans

Pros

• Comprehensive Coverage Options: Farmers offers extensive coverage for the Volvo 850, including comprehensive and collision coverage. This provides broad protection for your Volvo 850 against a range of potential issues.
• Discounts for Safety Features: Farmers provides discounts based on the Volvo 850’s safety features, such as advanced airbags and anti-lock brakes, which can help lower your insurance premium. Learn more in our Farmers car insurance review.
• Customizable Policies: Farmers allows for customization of your Volvo 850 insurance policy, enabling adjustments to coverage levels and deductibles to meet your individual needs and preferences.

Cons

• Highest Premiums: Farmers has the highest premium for Volvo 850 insurance at $120, which might be less attractive for those seeking more cost-effective insurance options.
• Inconsistent Customer Service: Customer service experiences with Farmers can vary, which may affect your satisfaction and support when managing your Volvo 850 insurance policy.

#7 – Nationwide: Best for Comprehensive Coverage

Pros

• Affordable Rates: Nationwide offers competitive rates for Volvo 850 insurance at $117, providing a balance of affordability and comprehensive coverage for your Volvo 850. Check out their ratings in our complete Nationwide car insurance discount.
• Discounts for Safety and Bundling: Nationwide provides various discounts for Volvo 850 owners, including those for safety features and bundling multiple policies, which can help reduce overall insurance costs.
• Good Financial Stability: Nationwide’s strong financial stability ensures reliable claim handling for your Volvo 850, offering confidence in their ability to manage your insurance needs.

Cons

• Higher Premiums for Certain Coverage: Adding additional coverage options to your Volvo 850 insurance policy with Nationwide can increase premiums, which might make it less budget-friendly.
• Limited Availability in Some Areas: Nationwide’s insurance services may not be available in all regions, which could limit coverage options for Volvo 850 owners in certain locations.

#8 – Liberty Mutual: Best for Flexible Options

Pros

• Extensive Coverage Options: Liberty Mutual provides a wide range of coverage options for the Volvo 850, including comprehensive and collision coverage, ensuring thorough protection for your Volvo 850.
• Discounts for Safety Features: Liberty Mutual offers discounts based on the Volvo 850’s safety features, such as anti-lock brakes and airbags, which can lower your insurance premiums.
• Customizable Policy Features: Liberty Mutual allows for policy customization for the Volvo 850, enabling you to adjust coverage levels and deductibles to suit your specific needs. Learn more in our Liberty Mutual car insurance review.

Cons

• Highest Premiums: Liberty Mutual’s premium for Volvo 850 insurance is the highest at $124, which could be a significant drawback for those looking for more affordable insurance options.
• Variable Customer Service Quality: The quality of customer service with Liberty Mutual can be inconsistent, potentially impacting your experience with managing your Volvo 850 insurance policy and handling claims.

#9 – American Family: Best for Young Drivers

Pros

• Competitive Premiums: American Family offers competitive rates for Volvo 850 insurance at $108, providing an affordable option with good coverage for your Volvo 850. More information in our American Family car insurance review.
• Generous Discounts: American Family provides various discounts for Volvo 850 owners, including those for safe driving and vehicle safety features, which can help reduce insurance costs.
• Good Coverage Options: American Family’s insurance policies for the Volvo 850 include comprehensive and collision coverage, offering protection against a range of potential damages and accidents.

Cons

• Limited Discount Options: American Family may offer fewer discount options compared to other insurers, potentially limiting potential savings for Volvo 850 owners.
• Mixed Customer Service Reviews: Customer service experiences with American Family can be mixed, which might affect your satisfaction with managing your Volvo 850 insurance policy and handling claims.

#10 – Travelers: Best for Claims Service

Pros

• Affordable Coverage: Travelers offers reasonably priced insurance for the Volvo 850 at $112, providing a cost-effective option with comprehensive coverage for your Volvo 850. See more details on our Travelers car insurance review.
• Discounts for Safety Features: Travelers provides discounts based on the Volvo 850’s advanced safety features, such as anti-lock brakes and airbags, which can help lower insurance premiums.
• Flexible Policy Options: Travelers allows for extensive customization of insurance policies for the Volvo 850, enabling adjustments to coverage levels and deductibles to fit your specific needs and budget.

Cons

• Potential for Rate Increases: Travelers’ rates for Volvo 850 insurance may increase after a claim or accident, which could affect the long-term affordability of your insurance policy for the Volvo 850.
• Customer Service Variability: The quality of customer service with Travelers can vary, which might impact your experience with managing your Volvo 850 insurance policy and handling claims.

Volvo 850 Insurance Cost

Take a look at how insurance rates for similar models to the Volvo 850 look. These insurance rates for other sedans like the Mercedes-Benz S-Class, Acura TLX, and Cadillac CT5 give you a good idea of what to expect.

Volvo 850 Car Insurance Monthly Rates by Coverage Level & Provider

These rates can make a more informed decision about which insurance provider offers the best value for your Volvo 850. Keep in mind that rates can vary based on your personal factors.

This comparison provides a useful context for evaluating your Volvo 850’s insurance rates. If you find your costs are higher than those of similar vehicles, it might be worth exploring ways to reduce your premiums or shopping around for better rates.

Volvo 850 Car Insurance Monthly Rates vs. Other Cars by Coverage Type

By comparing your Volvo 850’s insurance rates to those of similar vehicles, you can assess whether your premiums are reasonable. For more information, read our article titled “Do I need the additional car insurance coverage options?”

What Impacts the Cost of Volvo 850 Insurance

As with any car, your Volvo 850 car insurance costs will be affected by personal factors like where you live, your driving record, and your driving habits. The Volvo 850 trim level you buy will also have an impact on the total price you will pay for Volvo 850 insurance coverage.

Factors such as your age, credit score, and the amount of coverage you choose can further influence your insurance premiums. Read our article titled “What makes car insurance more expensive?” for more information.

It’s also important to consider any additional safety features or modifications to your vehicle, as these can either reduce or increase your insurance costs.

Volvo 850 Insurance Budget Tips

This information highlights the various discounts that could help lower your insurance premiums, such as multi-policy discounts and safe driver discounts. If you want to reduce the cost of your Volvo 850 insurance rates, follow these tips below:

• Ask about welcome discounts.
• Choose automatic payments or EFT for your Volvo 850 insurance policy.
• Buy a Volvo 850 with an anti-theft device.
• Take a refresher course as an older driver.
• Install an aftermarket anti-theft device for your Volvo 850.

Utilizing these discounts can significantly reduce your insurance costs. Discover potential savings with this table outlining the car insurance discounts available from top providers for Volvo 850 owners.

Be sure to check with your insurance provider about which discounts you qualify for and how they can be applied to your policy to maximize your savings.

Volvo 850 Insurance Leaders

Several insurance companies offer competitive rates for the Volvo 850 based on factors like discounts for safety features. Take a look at these top car insurance companies that are popular with Volvo 850 drivers organized by market share.

Top Volvo 850 Car Insurance Companies by Market Share

Choosing an insurance company from this list can help ensure you get competitive rates and reliable service. Consider these top providers when comparing quotes to find the best insurance option for your Volvo 850. You can compare quotes for Volvo 850 auto insurance rates from some of the best auto insurance companies by using our free online tool now.