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 rates for a Volvo V50 are $1,492 a year including full coverage. Comprehensive insurance costs around $336, collision insurance costs $626, and liability costs around $372. Liability-only insurance costs as low as $438 a year, and high-risk driver insurance costs $3,228 or more. 16-year-old drivers pay the highest rates at up to $5,458 a year.

Average premium for full coverage: $1,492

Price estimates for individual coverage:

These estimates include $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for all V50 models.

Price Range from Low to High

Geographic Price Range

Where you live can make a big difference on the price of insurance. Areas with sparse population have a lower frequency of comprehensive and collision claims than congested cities. The example below illustrates how rural and urban location affects auto insurance rates.

The ranges above highlight why everyone should compare prices for a specific zip code and risk profile, instead of making a decision based on rate averages.

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

Additional Rate Analysis

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

• The best full coverage rate is $850
• Using higher $1,000 deductibles will save about $220 every year
• The average rate for the average middle-age driver using $500 deductibles is $1,492
• Buying pricier low deductibles for physical damage coverage will cost an extra $424 annually
• High-risk insureds with multiple tickets or accidents could pay at least $3,228
• The price for full coverage for a 16-year-old driver for full coverage can be $5,458 or more

View Chart as Image

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

A more mature driver with no driving violations and high deductibles may pay as low as $1,400 a year for full coverage. Prices are highest for teenage drivers, where even good drivers will be charged as much as $5,400 a year. View Rates by Age

The state you live in has a huge impact on Volvo V50 insurance prices. A driver around age 40 might see prices as low as $1,140 a year in states like Missouri, New Hampshire, and Vermont, or at least $2,130 on average in Michigan, New York, and Louisiana.

View Chart as Image

Opting for high physical damage deductibles could cut prices by as much as $650 annually, whereas buying more liability protection will increase prices. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $335 extra every 12 months. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are likely paying at least $1,800 to $2,400 extra each year, depending on your age. Volvo V50 insurance for high-risk drivers can be 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 Cheap Volvo V50 Insurance

Getting lower rates on insurance for a Volvo V50 requires being a low-risk driver, having above-average credit, being claim-free, and consideration of higher deductibles. Set aside time to shop around every other policy renewal by getting rate quotes from direct car insurance companies like Progressive and GEICO, and also from several local insurance agents.

The items below are a brief summary of the ideas that were raised in the charts and tables above.

• Teen drivers are the costliest to insure, possibly costing $455 a month if full coverage is included
• Drivers considered higher risk that tend to have accidents or serious violations pay on average $1,740 more every year to insure their V50
• Increasing physical damage deductibles can save around $650 each year
• You may be able to save up to $180 per year just by quoting online well ahead of the renewal date

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.