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 prices for a Volvo V50 are $1,492 every 12 months for full coverage. Comprehensive costs an estimated $336 each year, collision insurance costs $626, and liability insurance is $372. Buying just liability costs around $438 a year, and insurance for high-risk drivers costs around $3,228. Teen drivers pay the highest rates at up to $5,458 a year.

Average premium for full coverage: $1,492

Price estimates broken down by individual coverage:

Includes $500 deductible amounts, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all states and V50 models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a significant impact on insurance rates. More rural locations have more infrequent accident claims than larger metro areas. The graphic below illustrates how rural and urban location affects insurance prices.

The ranges above show why all drivers should compare rates quotes for a targeted area and their own driving history, rather than relying on price averages.

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

Additional Rate Details

The chart below shows 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 a year
• The average price for the average middle-age driver who has $500 deductibles is $1,492
• Choosing low deductibles increases the price to $1,916
• Higher-risk drivers with multiple violations and an at-fault accident could pay up to $3,228
• The price to insure a teen driver can cost as much as $5,458

View Chart as Image

Insurance prices for a Volvo V50 are also quite variable based on deductibles and policy limits, your driver profile, and the model year and trim level.

Choosing high deductibles can reduce prices by up to $650 each year, whereas increasing liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $335 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles could pay as little as $1,400 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers should be prepared to pay at least $5,400 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you could be paying $1,800 to $2,400 additional each year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 44% to 135% more than average. View High Risk Driver Rates

The state you live in also has a big influence on Volvo V50 insurance rates. A middle-age driver might find prices as low as $980 a year in states like Iowa, Maine, and Idaho, or as much as $2,130 on average in New York, Louisiana, and Michigan.

View Chart as Image

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 Shop for the Cheapest Volvo V50 Insurance

Getting lower rates on Volvo V50 insurance consists of having a good driving record, having above-average credit, eliminating unnecessary coverage, and possibly raising deductibles. Set aside time to shop around at least once a year by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The next list is a recap of the primary concepts that were raised in the charts and tables above.

• Drivers can save approximately $180 per year just by quoting online in advance
• High-risk drivers that have major violations or accidents pay on average $1,740 more annually to buy Volvo V50 insurance
• Increasing physical damage deductibles could save as much as $650 each year
• Drivers age 20 and younger are expensive to insure, with premiums as much as $455 a 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.