Volvo V50 Insurance Rates

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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.

Estimated insurance rates for a Volvo V50 are $1,492 a year including full coverage. Comprehensive costs an estimated $336 each year, collision insurance costs $626, and liability costs $372. A policy with only liability insurance costs as little as $438 a year, and a high-risk policy costs around $3,228. 16-year-old drivers pay the most at up to $5,458 a year.

Average premium for full coverage: $1,492

Premium estimates broken down by type of coverage:

Comprehensive $336
Collision $626
Liability $372

Full coverage includes $500 policy deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and V50 models.

Insurance Price Range by Risk and Coverage

For the normal driver, insurance rates for a Volvo V50 range from as low as $438 for basic liability insurance to a high rate of $3,228 for a driver that may need high-risk insurance.

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

Insurance Price Range by Location

Your location can make a big difference on the price of auto insurance. More rural locations are statistically proven to have a lower frequency of comprehensive and collision claims than congested cities. The graphic below illustrates how geographic area affects insurance prices.

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

These rate differences highlight why all drivers should compare rates for a targeted area and risk profile, instead of making a decision based on rate averages.

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.

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Rate Comparisons

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

  • The best full coverage rate is $850
  • Drivers who choose higher $1,000 deductibles will pay approximately $220 every year
  • The average rate for a 40-year-old good driver who has $500 deductibles is $1,492
  • Buying low deductibles for comprehensive and collision insurance will increase the cost to $1,916
  • Drivers with multiple tickets or accidents could pay up to $3,228
  • An auto insurance policy for full coverage for a 16-year-old driver can cost as much as $5,458 a year

View Chart as Image

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

Car insurance prices for a Volvo V50 also have a wide range based on your driving characteristics, the model of your V50, and liability limits and deductibles.

More mature drivers with no driving violations and high deductibles may pay as low as $1,400 per year on average, or $117 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will be charged at least $5,400 a year. View Rates by Age

Where you choose to live makes a big difference in Volvo V50 insurance prices. A 40-year-old driver could pay as low as $1,140 a year in states like Vermont, New Hampshire, and Missouri, or at least $2,130 on average in Louisiana, New York, 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

Opting for high physical damage deductibles could save up to $650 annually, whereas increasing liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will cost up to $335 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are likely paying $1,800 to $2,400 extra annually, depending on your age. Insurance for high-risk drivers can cost from 44% to 135% more than the average rate. View High Risk Driver Rates

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 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.

Volvo V50 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2010 Volvo V50 $162 $214 $468 $1,002

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 Find More Affordable Volvo V50 Insurance

Finding better rates on insurance for a Volvo V50 not only requires being safe and accident-free, but also having above-average credit, refrain from filing small claims, and possibly higher deductibles. Invest the time to compare rates once a year by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

Below you'll find a summary of the data that was presented in the illustrations above.

  • You may be able to save approximately $180 per year just by quoting online in advance
  • Insureds who want more liability protection will pay around $410 per year to go from 30/60 bodily injury limits to 250/500 limits
  • Youthful drivers have the highest car insurance prices, with the cost nearing $455 per month if full coverage is included
  • Drivers considered higher risk who have multiple accidents or major violations may pay on average $1,740 more annually than a low-risk driver

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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