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 a year, collision insurance costs $626, and liability is estimated at $372. Buying just liability costs approximately $438 a year, and insurance for high-risk drivers costs around $3,228. Teenage drivers 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 policy deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 states and V50 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can have significant affects on car insurance rates. Areas with sparse population tend to have lower incidents of physical damage claims than densely populated cities. The diagram below illustrates how your location can change auto insurance rates.

These examples illustrate why it is important to get quotes for a specific zip code, instead of using average rates.

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

Additional Rate Analysis

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

• The best discount rate is $850
• Choosing higher $1,000 deductibles can save about $1,272 each year
• The estimated price for a 40-year-old driver using $500 deductibles is $1,492
• Using low $100 deductibles for comp and collision coverage bumps up the cost to $1,916
• Unlucky drivers who are prone to accidents and violations could pay at least $3,228
• The cost that insures a teen driver can be $5,458 each year

View Chart as Image

Auto insurance rates for a Volvo V50 can also vary considerably based on the trim level of your V50, 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 in extra premium per year, depending on your age. A high-risk auto insurance policy ranges as much as 44% to 135% more than a normal policy. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,400 annually on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will have to pay as much as $5,400 a year. View Rates by Age

Where you live plays a big part in determining prices for Volvo V50 insurance prices. A good driver about age 40 could pay as low as $980 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $2,010 on average in Michigan, New York, and Florida.

View Chart as Image

Using high physical damage deductibles can save as much as $650 every year, while buying higher 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 extra every 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 car insurance takes being safe and accident-free, maintaining a good credit score, avoid buying unnecessary coverage, and possibly raising deductibles. Compare prices at least every other year by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

Below you'll find a recap of the car insurance concepts illustrated above.

• Higher risk drivers that have major violations or accidents could be forced to pay on average $1,740 more every year than a low-risk driver
• It is possible to save up to $180 per year just by quoting early and online
• Increasing deductibles can save approximately $650 each year
• Policyholders who may need more liability protection will pay an extra $410 annually to raise limits from a minimum limit to the 250/500 level

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.