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.

The average auto insurance rates for a Volvo V50 are $1,492 annually including full coverage. Comprehensive costs an estimated $336, collision insurance costs $626, and liability coverage is $372. Liability-only coverage costs around $438 a year, and high-risk coverage costs around $3,228. Teen drivers cost the most to insure at up to $5,458 a year.

Average premium for full coverage: $1,492

Policy rates broken down by type of insurance:

Rates are based on $500 policy deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 U.S. states and for all V50 models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on the price of auto insurance. More rural locations are shown to have fewer comprehensive and collision claims than larger metro areas. The example below illustrates how your location can change insurance prices.

The examples above highlight why everyone should compare rates quotes for a targeted area and their own personal driving habits, rather than using price averages.

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

Additional Rate Details

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

• The lowest rate with discounts is $850
• Raising to $1,000 deductibles will save approximately $220 every year
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,492
• Choosing pricier low deductibles will cost $1,916
• Unlucky drivers with multiple violations and an at-fault accident could pay up to $3,228
• Policy cost with full coverage for a teenage driver for full coverage can cost as much as $5,458

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Insurance rates for a Volvo V50 also range considerably based on the model year and trim level, your driving characteristics, and liability limits and deductibles.

A more mature driver with no violations or accidents and high physical damage deductibles may only pay around $1,400 every 12 months on average, or $117 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they should be prepared to pay at least $5,400 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying $1,800 to $2,400 additional every year, depending on your age. Volvo V50 insurance for high-risk drivers is expensive and can cost around 44% to 135% more than average. View High Risk Driver Rates

Choosing high deductibles can reduce rates by up to $650 a year, whereas buying more liability protection will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $335 more each year. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Volvo V50 insurance rates. A middle-age driver might find rates as low as $1,140 a year in states like Vermont, New Hampshire, and Missouri, or as much as $2,130 on average in Louisiana, New York, and Michigan.

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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 Buy the Best Cheap Volvo V50 Insurance

Finding cheaper rates on auto insurance consists of being safe and accident-free, having good credit, paying for small claims out-of-pocket, and possibly raising deductibles. Invest the time to shop around at every policy renewal by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

Below you'll find a quick review of the data illustrated above.

• Consumers who want more liability protection will pay about $410 per year to raise from a 30/60 limit to higher 250/500 limits
• You may be able to save approximately $180 per year just by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles could save up to $650 each year
• Youthful drivers are expensive to insure, with premiums being up to $455 each month if they have full coverage

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
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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.