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.

U.S. average insurance prices for a Volvo V50 are $1,492 every 12 months including full coverage. Comprehensive costs around $336 each year, collision insurance costs $626, and liability insurance is $372. Buying just liability costs around $438 a year, and insurance for high-risk drivers costs around $3,228. Teen drivers pay the highest rates at up to $5,458 a year.

Average premium for full coverage: $1,492

Price estimates for individual coverage:

Full coverage includes $500 deductible amounts, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and V50 models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a significant impact on the price of insurance. Areas with sparse population have more infrequent comprehensive and collision claims than larger metro areas. The graphic below illustrates how location impacts auto insurance rates.

The ranges above highlight why all drivers should compare rates quotes for a specific zip code and their own driving history, rather than relying on price averages.

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

Detailed Rate Analysis

The chart below breaks down average Volvo V50 insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $850
• Raising to $1,000 deductibles will save about $220 every year
• The average price for the average middle-age driver using $500 deductibles is $1,492
• Choosing low deductibles increases the price to $1,916
• Higher-risk drivers with multiple violations and an at-fault accident could pay at least $3,228
• The price to insure a teen driver can be $5,458

View Chart as Image

Insurance prices for a Volvo V50 are also quite variable based on deductibles and policy limits, your driving characteristics, and the trim level and model year.

Choosing high deductibles can reduce prices by up to $650 each year, whereas increasing liability limits will increase prices. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $335 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles could pay as little as $1,400 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers should be prepared to pay as much as $5,400 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are likely paying at least $1,800 to $2,400 additional each year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 44% to 135% more than average. View High Risk Driver Rates

The state you live in also has a big influence on Volvo V50 insurance rates. A middle-age driver might find prices as low as $1,140 a year in states like Missouri, New Hampshire, and Vermont, or as much as $2,130 on average in Michigan, New York, and Louisiana.

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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 Shop for More Affordable Volvo V50 Insurance

Getting lower rates on Volvo V50 insurance consists of having a good driving record, having above-average credit, being claim-free, and deciding if full coverage is necessary. Spend time shopping around at least every other year by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The next list is a summary of the car insurance concepts touched on above.

• High-risk drivers who have multiple accidents or major violations could be forced to pay on average $1,740 more every year to buy Volvo V50 insurance
• You may be able to save up to $180 per year just by quoting online in advance
• Increasing physical damage deductibles could save as much as $650 each year
• Drivers who may need increased levels of liability coverage will pay about $410 per year to raise from a low limit to a 250/500 level

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.