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.

Average auto insurance rates for a Volvo V50 are $1,492 annually for full coverage. Comprehensive costs an estimated $336 a year, collision insurance costs $626, and liability costs around $372. Buying just liability costs as low as $438 a year, and insurance for high-risk drivers costs around $3,228. Teenage drivers receive the highest rates at up to $5,458 a year.

Average premium for full coverage: $1,492

Rate estimates broken down by individual coverage type:

Includes $500 physical damage insurance deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all states and V50 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live can have significant affects on insurance rates. More rural locations tend to have fewer accident claims than densely populated cities. The diagram below illustrates how rural and urban location affects insurance prices.

These examples show why it is important to compare prices for a targeted area and their own personal driving habits, instead of using average rates.

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

Additional Rate Information

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

• The best discount rate is $850
• Using higher $1,000 deductibles will save approximately $1,272 a year
• The estimated rate for a 40-year-old driver who has $500 deductibles is $1,492
• Using low $100 deductibles for physical damage coverage will cost $1,916
• Drivers who are prone to accidents and violations could pay up to $3,228
• The cost with full coverage for a teen driver can cost as much as $5,458 or more

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Auto insurance rates for a Volvo V50 can also vary considerably based on the trim level of your V50, your driver profile, and liability limits and deductibles.

Older drivers with a good driving record and high physical damage deductibles may pay as little as $1,400 a year for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will have to pay at least $5,400 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you could be paying $1,800 to $2,400 in extra premium per year, depending on your age. A high-risk auto insurance policy can be as much as 44% to 135% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut rates by as much as $650 every year, while buying higher liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $335 extra every year. View Rates by Deductible or Liability Limit

Where you live has a huge impact on Volvo V50 insurance prices. A driver around age 40 might see rates as low as $980 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $2,130 on average in New York, Louisiana, and Michigan.

View Chart as Image

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 Buy the Cheapest Volvo V50 Insurance

Saving money on car insurance requires being a low-risk driver, having above-average credit, eliminating unneeded coverage, and consideration of higher deductibles. Set aside time to shop around at least once a year by getting quotes from direct carriers like Progressive and GEICO, and also from local exclusive and independent agents.

The items below are a recap of the primary concepts that were raised in the charts and tables above.

• Drivers can save approximately $180 per year just by quoting early and online
• Higher risk drivers that have major violations or accidents may pay on average $1,740 more annually to insure their V50
• Increasing deductibles could save up to $650 each year
• Teen drivers are the costliest to insure, costing as high as $455 per month if full coverage is included

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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• Audi A5 Insurance Rates

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.