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 insurance rates for a Volvo V50 are $1,492 a year including full coverage. Comprehensive insurance costs around $336 a year, collision insurance costs $626, and liability coverage is $372. A policy with just liability insurance costs around $438 a year, and coverage for high-risk drivers costs $3,228 or more. Teens receive the highest rates at up to $5,458 a year.

Average premium for full coverage: $1,492

Rate estimates for individual coverage type:

Rate estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and V50 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a large influence on the price of insurance. Areas with sparse population tend to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion. The diagram below illustrates how rural and urban location affects auto insurance rates.

These examples highlight why it is important to compare rates quotes for a specific zip code and risk profile, rather than using averaged prices.

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

More Rate Details

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

• The cheapest rate after discounts is $850
• Raising to $1,000 deductibles will save about $1,272 every year
• The average rate for a 40-year-old driver using $500 deductibles is $1,492
• Selecting low $100 deductibles will cost an extra $424 each year
• Unlucky drivers with serious driving violations could pay at least $3,228
• The cost for full coverage for a teenage driver can be $5,458

View Chart as Image

Insurance rates for a Volvo V50 can also vary considerably based on your driver profile, the model of your V50, and deductibles and policy limits.

Older drivers with no violations or accidents and high deductibles may only pay around $1,400 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even good drivers should be prepared to pay as much as $5,400 a year. View Rates by Age

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

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $650 a year, while buying higher liability limits will increase rates. Changing from a 50/100 limit to a 250/500 limit will cost as much as $335 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying at least $1,800 to $2,400 additional per year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 44% to 135% more than the average policy. View High Risk Driver Rates

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 the Best Volvo V50 Insurance

Saving money on auto insurance consists of avoiding accidents and violations, having a good credit history, not filing small claims, and deciding if full coverage is necessary. Set aside time to shop around every other policy renewal by quoting rates from direct car insurance companies like GEICO and Progressive, and also from several local insurance agents.

The list below is a brief recap of the ideas that were raised in the charts and tables above.

• Teenagers are charged the highest rates, as much as $455 per month including comprehensive and collision insurance
• Drivers who tend to receive serious violations pay on average $1,740 more every year for car insurance
• Increasing deductibles can save around $650 each year
• You may be able to save up to $180 per year just by quoting early and online

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.

• Acura TL Insurance Rates
• Audi A4 Insurance Rates
• 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.