Volvo V50 Insurance Rates

Do you need help finding cheap Volvo V50 insurance rates? The average cost of Volvo V50 insurance is $1,230 a year, or $102 a month. Learn more about Volvo V50 frequently asked coverage questions.

Want Volvo V50 price assurance that you have the cheapest rates? Enter your ZIP code in our free tool above to find the cheapest rates for a Volvo V50.

The average insurance rates for a Volvo V50 are $1,492 a year with full coverage. Comprehensive costs an estimated $336, collision insurance costs $626, and liability insurance costs $372. A liability-only policy costs as little as $438 a year, and high-risk insurance costs around $3,228. Teen drivers cost the most to insure at up to $5,458 a year.

Average premium for full coverage: $1,492

Policy rates broken down by type of insurance:

These estimates include $500 physical damage deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all U.S. states and for different V50 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on car insurance rates. More rural locations are shown to have lower incidents of collision claims than larger metro areas. The price range example below illustrates how your location can change insurance prices.

The examples above demonstrate why anyone shopping for car insurance should compare rates for a targeted area, rather than relying on price averages.

Use the form below to get customized rates for your location.

Detailed Rate Analysis

The chart below details average Volvo V50 insurance rates for other coverage scenarios.

• The lowest rate with discounts is $850
• Drivers who choose higher $1,000 deductibles will pay approximately $220 annually
• The estimated price for a good driver age 40 who has $500 deductibles is $1,492
• Choosing more expensive low deductibles for comprehensive and collision insurance bumps up the cost to $1,916
• High risk drivers with multiple violations and an at-fault accident could pay up to $3,228
• Policy cost that insures a teen driver with full coverage can cost as much as $5,458 a year

View Chart as Image

Car insurance rates for a Volvo V50 also range considerably based on the model year and trim level, your age and driving habits, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you may be forking out $1,800 to $2,400 extra every year, depending on your age. High-risk driver insurance can cost anywhere from 44% to 135% more than average. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,400 per year on average, or $117 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will be charged at least $5,400 a year. View Rates by Age

Your home state makes a big difference in Volvo V50 insurance rates. A 40-year-old driver could pay as low as $1,070 a year in states like Utah, Ohio, and New Hampshire, or as much as $2,010 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing high deductibles could save up to $650 each year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $335 extra every 12 months. View Rates by Deductible or Liability Limit

Insurance Rates by Trim Level and Model Year

Rates assume 2026 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Find Cheap Volvo V50 Insurance

Finding cheaper rates on Volvo V50 insurance not only requires being a safe and courteous driver, but also having a positive credit history, not filing small claims, and possibly higher deductibles. Shop around every couple of years by getting rate quotes from direct companies, and also from insurance agencies where you live.

Below is a brief summary of the material that was illustrated above.

• Drivers who want higher levels of liability will pay about $410 every year to go from a 30/60 limit to the 250/500 level
• Teenage drivers have the highest car insurance rates, as much as $455 each month if full coverage is purchased
• High-risk drivers that tend to have accidents or serious violations could be forced to pay on average $1,740 more annually for auto insurance
• Increasing comprehensive and collision deductibles can save approximately $650 each year

Who really has the lowest car insurance rates for a Volvo V50? The only way to find this out and save on average insurance costs is to shop around. To find cheap and affordable car insurance, enter your ZIP code in our free tool below.

What are the safety ratings of the Volvo V50?

Is the Volvo V50 a good car? This is what insurers will ask themselves when they look at Volvo V50 safety ratings and features. Some of the Volvo V50’s safety features include traction control, whiplash protection seating, anti-submarine seats, and anti-lock braking system.

However, the Insurance Institute for Highway Safety (IIHS) has not crash-tested the Volvo V50, so there is no information on the safety ratings. This means that insurers will base rates on safety ratings of vehicles in the Volvo V50’s class.

Volvo V50 Compared Against Other Vehicles in the Same Class

What insurance group is a Volvo V50? The Volvo V50 is a luxury car, which means that its insurance group will be higher (more expensive). To see how other luxury cars’ rates compare to the Volvo V50’s insurance rates, view the list below.

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The best way to save on Volvos, from a Volvo S40 to a Volvo V50, is to shop for multiple quotes. Enter your ZIP code in our free tool to start comparing rates.