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 for full coverage insurance. Comprehensive costs around $336 each year, collision insurance costs $626, and liability coverage is $372. A liability-only policy costs around $438 a year, and high-risk insurance costs around $3,228. 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:

Includes $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 states and V50 models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a large influence on car insurance rates. Areas with sparse population tend to have lower incidents of physical damage claims than cities with more traffic congestion. The graphic below illustrates how location helps determine auto insurance rates.

These examples illustrate why all drivers should compare rates quotes for a specific zip code, rather than using averaged prices.

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

Additional Rate Information

The chart below illustrates 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 $220 each year
• The estimated price for a 40-year-old driver using $500 deductibles is $1,492
• Selecting low deductibles bumps up the cost to $1,916
• Unlucky drivers with serious driving violations could pay at least $3,228
• The cost that insures a teenage driver can be $5,458

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 record, and deductibles and policy limits.

If you like to drive fast or you caused an accident, you are probably paying at least $1,800 to $2,400 extra per year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 44% to 135% more than the average 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 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records can expect 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 $980 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $2,010 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $650 a year, whereas increasing liability limits will increase rates. Switching 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

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 Cheapest Volvo V50 Insurance

Saving money on auto insurance consists of avoiding accidents and violations, having above-average credit, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Compare rates at least once a year by quoting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The list below is a recap of the primary concepts that were covered in the charts and tables above.

• It is possible to save up to $180 per year just by quoting online in advance
• Drivers that have major violations or accidents could be forced to pay on average $1,740 more every year for car insurance
• Increasing deductibles can save approximately $650 each year
• Teenagers pay higher rates, costing up to $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.

• 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.