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 with full coverage. Comprehensive costs approximately $336 each year, collision costs $626, and liability coverage costs around $372. A liability-only policy costs as low as $438 a year, with high-risk insurance costing around $3,228. Teenage drivers receive the highest rates at $5,458 a year or more.

Average premium for full coverage: $1,492

Rate estimates by individual coverage type:

Rate estimates include $500 policy deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all U.S. states and V50 models.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a large influence on the price of insurance. Rural locations tend to have lower incidents of collision claims than densely populated cities.

The graphic below illustrates how geographic area affects auto insurance prices.

These examples demonstrate why all drivers should compare prices using their specific location, rather than using average rates.

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

Additional Charts and Tables

The chart below details estimated Volvo V50 insurance rates for additional coverage and risk scenarios.

• The best discount rate is $850
• Using higher $1,000 deductibles will save $220 annually
• The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,492
• Using low deductibles for physical damage coverage bumps up the cost to $1,916
• Higher-risk drivers who are prone to accidents and violations could pay around $3,228 or more
• The cost that insures a teenage driver can cost $5,458 or more

View Chart as Image

Insurance rates for a Volvo V50 can also vary considerably based on the trim level and model year, your age and driving habits, and physical damage deductibles and liability limits.

If you like to drive fast or you caused an accident, you may be forking out anywhere from $1,800 to $2,400 extra per year, depending on your age. Insurance for high-risk drivers can be around 44% to 135% more than a normal policy. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,400 a year for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records can expect to pay in the ballpark of $5,400 a year. View Rates by Age

Where you live has a huge impact on Volvo V50 insurance rates. A driver around age 40 might see rates as low as $1,070 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $2,010 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $650 a year, whereas increasing liability limits will push rates upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $335 more per year. View Rates by Deductible or Liability Limit

With so much variability in rates, the best way to find out who has the cheapest auto insurance rates is to do a rate comparison and see how they stack up. Each insurance company uses a different method to calculate rates, so the rates can be significantly different.

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 requires being a good driver, having above-average credit, eliminating unnecessary coverage, and maximizing policy discounts. Compare prices every couple of years by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The following list is a brief recap of the material that was presented in the illustrations above.

• Consumers who purchase an increased level of liability coverage will pay an extra $410 every year to increase from a minimum limit to the 250/500 level
• Drivers age 16 to 20 are expensive to insure, with premiums as much as $455 per month if full coverage is included
• Drivers who tend to receive serious violations may have to pay on average $1,740 more per year than a safer driver
• Increasing 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.