Volvo V50 Insurance Rates

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UPDATED: Jun 4, 2023

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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.

Estimated insurance prices for a Volvo V50 are $1,492 every 12 months with full coverage. Comprehensive costs on average $336 a year, collision costs $626, and liability is estimated at $372. Liability-only coverage costs approximately $438 a year, with high-risk coverage costing around $3,228. Teenage drivers pay the most at $5,458 a year or more.

Average premium for full coverage: $1,492

Premium estimates by type of coverage:

Comprehensive $336
Collision $626
Liability $372

Rate estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all U.S. states and V50 trim levels.

Insurance Price Range by Risk and Coverage

For a 40-year-old driver, insurance rates for a Volvo V50 go from the cheapest price of $438 for minimum levels of liability insurance to a high of $3,228 for a driver required to buy high-risk insurance.

Liability Only $438
Full Coverage $1,492
High Risk $3,228

Insurance Price Range by Location

Living in a larger city can have significant affects on auto insurance rates. Rural areas are statistically proven to have more infrequent collision claims than densely populated cities.

The diagram below illustrates how your location can change car insurance rates.

Rural Areas $1,119
Small Cities $1,567
Large Cities $2,014

These rate differences demonstrate why it is important to get quotes based on a specific location and their own driving history, instead of using average rates.

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

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Additional Rate Details

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

  • The best discount rate is $850
  • Choosing higher $1,000 deductibles can save around $1,272 annually
  • The average price for a 40-year-old good driver with $500 deductibles is $1,492
  • Using low $100 deductibles for comp and collision coverage increases the price to $1,916
  • Unlucky drivers who are prone to accidents and violations could pay upwards of $3,228 or more
  • An auto insurance policy to insure a teen driver may cost $5,458 each year

View Chart as Image

Volvo V50 insurance cost comparison chart
Column chart showing full coverage Volvo V50 insurance rates range from $850 to $5,458

Insurance prices for a Volvo V50 also have a wide range based on physical damage deductibles and liability limits, your driving record, and the trim level of your V50.

Using high physical damage deductibles can save as much as $650 every year, while buying higher liability limits will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $335 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles may pay as little as $1,400 annually on average, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers can expect to pay upwards of $5,400 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you may be forking out at a minimum $1,800 to $2,400 extra annually, 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

Where you choose to live plays a big part in determining prices for Volvo V50 insurance prices. A good driver about age 40 could pay as low as $1,070 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $2,010 on average in Florida, Michigan, and New York.

Volvo V50 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,346 -$146 -9.8%
Alaska $1,146 -$346 -23.2%
Arizona $1,236 -$256 -17.2%
Arkansas $1,492 -$0 0.0%
California $1,698 $206 13.8%
Colorado $1,424 -$68 -4.6%
Connecticut $1,532 $40 2.7%
Delaware $1,690 $198 13.3%
Florida $1,866 $374 25.1%
Georgia $1,378 -$114 -7.6%
Hawaii $1,070 -$422 -28.3%
Idaho $1,010 -$482 -32.3%
Illinois $1,112 -$380 -25.5%
Indiana $1,122 -$370 -24.8%
Iowa $1,006 -$486 -32.6%
Kansas $1,418 -$74 -5.0%
Kentucky $2,034 $542 36.3%
Louisiana $2,208 $716 48.0%
Maine $920 -$572 -38.3%
Maryland $1,230 -$262 -17.6%
Massachusetts $1,194 -$298 -20.0%
Michigan $2,590 $1,098 73.6%
Minnesota $1,248 -$244 -16.4%
Mississippi $1,786 $294 19.7%
Missouri $1,322 -$170 -11.4%
Montana $1,602 $110 7.4%
Nebraska $1,176 -$316 -21.2%
Nevada $1,788 $296 19.8%
New Hampshire $1,074 -$418 -28.0%
New Jersey $1,666 $174 11.7%
New Mexico $1,320 -$172 -11.5%
New York $1,570 $78 5.2%
North Carolina $858 -$634 -42.5%
North Dakota $1,220 -$272 -18.2%
Ohio $1,030 -$462 -31.0%
Oklahoma $1,532 $40 2.7%
Oregon $1,366 -$126 -8.4%
Pennsylvania $1,424 -$68 -4.6%
Rhode Island $1,990 $498 33.4%
South Carolina $1,352 -$140 -9.4%
South Dakota $1,258 -$234 -15.7%
Tennessee $1,308 -$184 -12.3%
Texas $1,796 $304 20.4%
Utah $1,104 -$388 -26.0%
Vermont $1,022 -$470 -31.5%
Virginia $894 -$598 -40.1%
Washington $1,152 -$340 -22.8%
West Virginia $1,368 -$124 -8.3%
Wisconsin $1,032 -$460 -30.8%
Wyoming $1,328 -$164 -11.0%

View Chart as Image

Volvo V50 insurance rates by U.S. city

With such a large range in prices, the best way to find out exactly what you will pay is to get quotes and see which company has the best price. Each auto insurer uses a different method to calculate prices, so the prices will be substantially different.

Insurance Rates by Trim Level and Model Year

Volvo V50 Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Volvo V50 2.4I $1,446 $121
Volvo V50 AWD T5 R-Design $1,534 $128

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.

Volvo V50 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2010 Volvo V50 $166 $238 $474 $1,036

Rates are averaged for all Volvo V50 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Shop for the Best Volvo V50 Insurance

Finding better rates on car insurance takes having a decent driving record, having good credit, being claim-free, and bundling your home and auto policies. Invest the time to shop around at every policy renewal by getting price quotes from direct companies, and also from local exclusive and independent agents.

The following items are a brief recap of the data illustrated above.

  • Policyholders who require additional liability coverage will pay an extra $410 every year to raise limits from 30/60 bodily injury limits to a 250/500 level
  • You may be able to save as much as $180 per year simply by quoting early and online
  • Increasing policy deductibles could save as much as $650 each year
  • 16 to 18-year-old drivers pay the highest prices, possibly costing $455 per 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.

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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.

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.

Rates by Driver Age

Volvo V50 Insurance Rates by Driver Age
Driver Age Premium
16 $5,458
20 $3,446
30 $1,564
40 $1,492
50 $1,362
60 $1,334

Full coverage, $500 deductibles

Rates by Deductible

Volvo V50 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,916
$250 $1,718
$500 $1,492
$1,000 $1,272

Full coverage, driver age 40

Rates by Liability Limit

Volvo V50 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,492
50/100 $1,608
100/300 $1,701
250/500 $1,943
100 CSL $1,646
300 CSL $1,850
500 CSL $1,999

Full coverage, driver age 40

Rates for High Risk Drivers

Volvo V50 Insurance Rates for High Risk Drivers
Age Premium
16 $7,808
20 $5,478
30 $3,306
40 $3,228
50 $3,078
60 $3,050

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $209

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $80
Multi-vehicle $77
Homeowner $21
5-yr Accident Free $114
5-yr Claim Free $97
Paid in Full/EFT $71
Advance Quote $75
Online Quote $107
Total Discounts $642
Rate after discounts $850

Discounts are estimated and may not be available from every company or in every state.

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