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.

U.S. average insurance prices for a Volvo V50 are $1,492 every 12 months with full coverage. Comprehensive costs on average $336 each year, collision insurance costs $626, and liability coverage costs around $372. Liability-only coverage costs as low as $438 a year, and high-risk coverage costs around $3,228. 16-year-old drivers pay the highest rates at up to $5,458 a year.

Average premium for full coverage: $1,492

Price estimates by individual coverage:

Rate estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all U.S. states and V50 models.

Price Range from Low to High

Geographic Price Range

Where you live has a large influence on auto insurance rates. Rural areas have more infrequent collision claims than congested cities. The graphic below illustrates how rural and urban location affects car insurance rates.

The ranges above demonstrate why all drivers should compare prices based on a specific location and their own driving history, rather than using rate averages.

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

Detailed Rate Analysis

The chart below details average Volvo V50 insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $850
• Using higher $1,000 deductibles will save around $220 annually
• The average price for the average middle-age driver with $500 deductibles is $1,492
• Buying low deductibles for physical damage coverage increases the price to $1,916
• Higher-risk drivers with multiple tickets or accidents could pay upwards of $3,228
• The price to insure a teenage driver may cost $5,458 or more

View Chart as Image

Auto insurance prices for a Volvo V50 are also quite variable based on deductibles and policy limits, your driving record, and the trim level of your V50.

Opting for high physical damage deductibles could cut prices by as much as $650 a year, whereas increasing liability limits will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $335 extra every year. View Rates by Deductible or Liability Limit

More mature drivers with a good driving record and higher deductibles may only pay around $1,400 a year for full coverage. Prices are highest for teenage drivers, since even excellent drivers will have to pay upwards of $5,400 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you may be forking out at a minimum $1,800 to $2,400 in extra premium each year, depending on your age. Insurance for high-risk drivers can be around 44% to 135% more than the average rate. View High Risk Driver Rates

The state you live in has a huge impact on Volvo V50 insurance rates. A driver around age 40 might see prices as low as $1,070 a year in states like New Hampshire, Ohio, and Utah, or at least $2,010 on average in Florida, Michigan, and New York.

View Chart as Image

Insurance Rates by Trim Level and Model Year

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.

How to Shop for the Best Volvo V50 Insurance

Getting lower rates on auto insurance requires being safe and accident-free, having a good credit score, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Set aside time to shop around every other policy renewal by requesting rates from direct companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

Below you'll find a brief recap of the ideas that were raised in the charts and tables above.

• Youthful drivers are charged the highest prices, costing up to $455 a month if comprehensive and collision insurance is included
• Drivers who tend to receive serious violations may pay on average $1,740 more each year than a low-risk driver
• Increasing physical damage deductibles could save as much as $650 each year
• You may be able to save as much as $180 per year just by quoting online in advance

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.