Volvo V50 Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 4, 2023

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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 insurance costs an estimated $336, collision costs $626, and liability insurance is estimated at $372. Liability-only coverage costs approximately $438 a year, with high-risk coverage costing $3,228 or more. Teenage drivers receive the highest rates at $5,458 a year or more.

Average premium for full coverage: $1,492

Rate estimates broken down by individual coverage type:

Comprehensive $336
Collision $626
Liability $372

Prices include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all states and for different V50 trim levels.

Price Range by Coverage and Risk

Using a middle-aged driver as an example, prices range go from as cheap as $438 for just the minimum liability insurance to a much higher rate of $3,228 for a high-risk driver policy.

Liability Only $438
Full Coverage $1,492
High Risk $3,228

Price Range by Location

Living in a larger city has a significant impact on insurance rates. More rural locations tend to have fewer accident claims than densely populated cities.

The price range example below illustrates how where you live affects insurance prices.

Rural Areas $1,119
Small Cities $1,567
Large Cities $2,014

These examples show why anyone shopping for car insurance should get quotes for a targeted area and their own personal driving habits, rather than relying on average rates.

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

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Additional Rate Analysis

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

  • The best discount rate is $850
  • Choosing higher $1,000 deductibles can save approximately $220 a year
  • The estimated rate for a 40-year-old driver who has $500 deductibles is $1,492
  • Using more expensive low deductibles for comp and collision coverage costs an additional $424 a year
  • High-risk insureds who are prone to accidents and violations could pay up to $3,228 or more
  • The cost with full coverage for a teen driver with full coverage can cost as much as $5,458 each year

View Chart as Image

Volvo V50 insurance cost comparison chart
Column chart showing full coverage Volvo V50 insurance prices range from $850 to $5,458

Car 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.

An older driver with no driving violations and high physical damage deductibles could pay as little as $1,400 annually on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will be charged 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 extra per year, depending on your age. High-risk driver insurance ranges anywhere from 44% to 135% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $650 each year, while increasing your policy's 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 12 months. View Rates by Deductible or Liability Limit

Where you live plays a big part in determining prices for Volvo V50 insurance rates. A good driver about age 40 could pay 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.

Volvo V50 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,346 -$146 -9.8%
Alaska $1,146 -$346 -23.2%
Arizona $1,236 -$256 -17.2%
Arkansas $1,492 -$0 0.0%
California $1,698 $206 13.8%
Colorado $1,424 -$68 -4.6%
Connecticut $1,532 $40 2.7%
Delaware $1,690 $198 13.3%
Florida $1,866 $374 25.1%
Georgia $1,378 -$114 -7.6%
Hawaii $1,070 -$422 -28.3%
Idaho $1,010 -$482 -32.3%
Illinois $1,112 -$380 -25.5%
Indiana $1,122 -$370 -24.8%
Iowa $1,006 -$486 -32.6%
Kansas $1,418 -$74 -5.0%
Kentucky $2,034 $542 36.3%
Louisiana $2,208 $716 48.0%
Maine $920 -$572 -38.3%
Maryland $1,230 -$262 -17.6%
Massachusetts $1,194 -$298 -20.0%
Michigan $2,590 $1,098 73.6%
Minnesota $1,248 -$244 -16.4%
Mississippi $1,786 $294 19.7%
Missouri $1,322 -$170 -11.4%
Montana $1,602 $110 7.4%
Nebraska $1,176 -$316 -21.2%
Nevada $1,788 $296 19.8%
New Hampshire $1,074 -$418 -28.0%
New Jersey $1,666 $174 11.7%
New Mexico $1,320 -$172 -11.5%
New York $1,570 $78 5.2%
North Carolina $858 -$634 -42.5%
North Dakota $1,220 -$272 -18.2%
Ohio $1,030 -$462 -31.0%
Oklahoma $1,532 $40 2.7%
Oregon $1,366 -$126 -8.4%
Pennsylvania $1,424 -$68 -4.6%
Rhode Island $1,990 $498 33.4%
South Carolina $1,352 -$140 -9.4%
South Dakota $1,258 -$234 -15.7%
Tennessee $1,308 -$184 -12.3%
Texas $1,796 $304 20.4%
Utah $1,104 -$388 -26.0%
Vermont $1,022 -$470 -31.5%
Virginia $894 -$598 -40.1%
Washington $1,152 -$340 -22.8%
West Virginia $1,368 -$124 -8.3%
Wisconsin $1,032 -$460 -30.8%
Wyoming $1,328 -$164 -11.0%

View Chart as Image

Volvo V50 insurance rates by U.S. city

With so much variability in rates, the only way to know which company is cheapest is to compare rates from as many companies as possible. Each auto insurer uses a different method to calculate rates, so rate quotes can be significantly different between companies.

Insurance Rates by Trim Level and Model Year

Volvo V50 Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Volvo V50 2.4I $1,446 $121
Volvo V50 AWD T5 R-Design $1,534 $128

Rates assume 2025 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.

Volvo V50 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2010 Volvo V50 $166 $238 $474 $1,036

Rates are averaged for all Volvo V50 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Buy the Right Volvo V50 Insurance

Saving money on Volvo V50 insurance takes being a low-risk driver, having a good credit score, eliminating unneeded coverage, and not having any coverage lapses. Take the time to comparison shop every time your policy renews by getting rate quotes from direct carriers like Progressive and GEICO, and also from local exclusive and independent agents.

The items below are a quick rundown of the information touched on in the above illustrations.

  • Drivers can save approximately $180 per year simply by shopping early and online
  • Teen drivers have the highest car insurance rates, costing as high as $455 per month if comprehensive and collision insurance is included
  • Increasing deductibles could save up to $650 each year
  • High-risk drivers with reckless driving or DUI convictions may pay on average $1,740 more annually to insure their V50
  • Drivers who want more liability coverage will pay an extra $410 each year to raise limits from a minimum limit to higher 250/500 limits

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.

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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.

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.

Rates by Driver Age

Volvo V50 Insurance Rates by Driver Age
Driver Age Premium
16 $5,458
20 $3,446
30 $1,564
40 $1,492
50 $1,362
60 $1,334

Full coverage, $500 deductibles

Rates by Deductible

Volvo V50 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,916
$250 $1,718
$500 $1,492
$1,000 $1,272

Full coverage, driver age 40

Rates by Liability Limit

Volvo V50 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,492
50/100 $1,608
100/300 $1,701
250/500 $1,943
100 CSL $1,646
300 CSL $1,850
500 CSL $1,999

Full coverage, driver age 40

Rates for High Risk Drivers

Volvo V50 Insurance Rates for High Risk Drivers
Age Premium
16 $7,808
20 $5,478
30 $3,306
40 $3,228
50 $3,078
60 $3,050

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $209

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $80
Multi-vehicle $77
Homeowner $21
5-yr Accident Free $114
5-yr Claim Free $97
Paid in Full/EFT $71
Advance Quote $75
Online Quote $107
Total Discounts $642
Rate after discounts $850

Discounts are estimated and may not be available from every company or in every state.

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