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 with full coverage. Comprehensive costs approximately $336 a year, collision insurance costs $626, and liability is $372. Buying just liability costs around $438 a year, and insurance for high-risk drivers costs around $3,228. 16-year-old drivers receive the highest rates at up to $5,458 a year.

Average premium for full coverage: $1,492

Rate estimates by individual coverage type:

Estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all U.S. states and V50 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can make a big difference on the price of insurance. Rural locations tend to have a lower frequency of collision claims than congested cities. The diagram below illustrates how location helps determine auto insurance prices.

These examples demonstrate why it is important to compare rates quotes using their specific location and risk profile, instead of making a decision based on rate averages.

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

Rate Comparisons

The chart below details average Volvo V50 insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $850
• Raising to $1,000 deductibles will save $1,272 annually
• The average rate for a 40-year-old driver who chooses $500 deductibles is $1,492
• Buying low $100 deductibles will increase the cost to $1,916
• Drivers with multiple tickets or accidents could pay around $3,228
• The cost for full coverage for a 16-year-old driver can cost $5,458

View Chart as Image

Auto insurance rates for a Volvo V50 can also vary considerably based on your driver profile, the trim level and model year, and physical damage deductibles and liability limits.

Older drivers with a good driving record and high deductibles may pay as low as $1,400 every 12 months on average for full coverage. Rates are highest for teen drivers, where even good drivers will have to pay in the ballpark of $5,400 a year. View Rates by Age

Where you live also has a big influence on Volvo V50 insurance prices. A middle-age driver might find rates as low as $1,070 a year in states like Utah, Ohio, and New Hampshire, or at least $2,010 on average in New York, Michigan, and Florida.

View Chart as Image

Opting for high physical damage deductibles can reduce rates by up to $650 annually, while buying higher liability limits will push rates upward. Moving from a 50/100 limit to a 250/500 limit will cost as much as $335 extra every year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you may be forking out anywhere from $1,800 to $2,400 in extra premium per year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 44% to 135% more than the average rate. View High Risk Driver Rates

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 Low Cost Volvo V50 Insurance

Saving money on insurance for a Volvo V50 consists of being safe and accident-free, having good credit, eliminating unnecessary coverage, and possibly higher deductibles. Invest time comparing rates at every other renewal by obtaining price quotes from direct companies like GEICO and Progressive, and also from several local insurance agents.

Below you'll find a review of the concepts that were covered in the charts and tables above.

• Drivers considered higher risk who have several accidents or serious violations pay on average $1,740 more per year than a low-risk driver
• Youthful drivers have the highest car insurance rates, with premiums as much as $455 per month if they have full coverage
• You may be able to save around $180 per year just by quoting early and online
• Increasing deductibles can save around $650 each year
• You may be able to save around $180 per year just by quoting early and online

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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• 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.