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 an estimated $336 each year, collision insurance costs $626, and liability insurance costs $372. Liability-only coverage costs as little as $438 a year, and high-risk coverage 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 broken down by individual coverage type:

Price estimates include $500 deductible amounts, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 states and V50 models.

Price Range by Coverage and Risk

Price Range by Location

Your location has a significant impact on the price of insurance. More rural locations tend to have a lower frequency of physical damage claims than densely populated cities. The graphic below illustrates how geographic area affects insurance prices.

These examples illustrate why all drivers should compare rates for a targeted area and risk profile, rather than relying on average rates.

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

Rate Comparisons

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

• The best discount rate is $850
• Drivers who choose higher $1,000 deductibles will pay approximately $220 each year
• The average rate for a 40-year-old driver who has $500 deductibles is $1,492
• Using low deductibles for comprehensive and collision insurance will increase the cost to $1,916
• High risk drivers who are prone to accidents and violations could pay up to $3,228
• The cost for full coverage for a teen driver can cost as much as $5,458 a year

View Chart as Image

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

More mature drivers with no driving violations and high deductibles could pay as little as $1,400 per year on average for full coverage. Rates are much higher for teen drivers, where even good drivers will be charged at least $5,400 a year. View Rates by Age

Where you live makes a big difference in Volvo V50 insurance rates. A 40-year-old driver could pay as low as $980 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $2,010 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could save up to $650 each year, whereas increasing liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will cost as much as $335 extra every 12 months. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying $1,800 to $2,400 extra per year, depending on your age. Insurance for high-risk drivers can cost anywhere from 44% to 135% more than a normal policy. 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 Cheaper Volvo V50 Insurance

Saving money on Volvo V50 insurance not only requires having a good driving record, but also having above-average credit, avoid buying unnecessary coverage, and possibly higher deductibles. Invest the time to compare rates at least once a year by requesting quotes from direct insurance companies like GEICO and Progressive, and also from several local insurance agents.

The next list is a condensed summary of the primary concepts that were presented in the illustrations above.

• It is possible to save approximately $180 per year just by quoting online in advance
• High-risk drivers with multiple at-fault accidents pay on average $1,740 more annually to buy Volvo V50 insurance
• Increasing deductibles can save around $650 each year
• Drivers age 20 and younger have the highest car insurance rates, costing up to $455 per month if full coverage is included

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.