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 auto insurance rates for a Volvo V50 are $1,492 annually with full coverage. Comprehensive insurance costs around $336, collision insurance costs $626, and liability is estimated at $372. A policy with just liability insurance costs approximately $438 a year, and coverage for high-risk drivers costs $3,228 or more. Teen drivers receive the highest rates at up to $5,458 a year.

Average premium for full coverage: $1,492

Rate estimates for individual coverage type:

Rate estimates include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Rates are averaged for all U.S. states and for all V50 models.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can have significant affects on insurance rates. Areas with sparse population tend to have fewer collision claims than larger metro areas. The example below illustrates how location impacts auto insurance rates.

These examples demonstrate why everyone should get quotes for a specific zip code and their own personal driving habits, instead of using price averages.

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

Additional Rate Analysis

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

• The lowest rate with discounts is $850
• Choosing higher $1,000 deductibles can save about $220 annually
• The estimated rate for a 40-year-old driver using $500 deductibles is $1,492
• Choosing pricier low deductibles for comp and collision coverage costs an additional $424 every year
• Unlucky drivers with multiple violations and an at-fault accident could pay at least $3,228
• The cost with full coverage for a teen driver for full coverage can be $5,458 each year

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Insurance rates for a Volvo V50 can also vary considerably based on the trim level of your V50, your driving record, and deductibles and policy limits.

A more mature driver with no violations or accidents and high physical damage deductibles may pay as little as $1,400 annually on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they should be prepared to pay as much as $5,400 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you may be forking out at least $1,800 to $2,400 additional per year, depending on your age. Volvo V50 insurance for high-risk drivers ranges as much as 44% to 135% more than average. View High Risk Driver Rates

Choosing high deductibles can save as much as $650 every year, whereas buying more liability protection will increase rates. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $335 more each year. View Rates by Deductible or Liability Limit

Where you 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 as much as $2,010 on average in Florida, Michigan, and New York.

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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 Buy the Best Volvo V50 Insurance

Saving money on car insurance takes avoiding accidents and violations, having good credit, eliminating unnecessary coverage, and deciding if full coverage is necessary. Spend time shopping around every year by obtaining price quotes from direct companies like Progressive and GEICO, and also from local exclusive and independent agents.

The list below is a brief recap of the coverage data touched on above.

• You may be able to save up to $180 per year just by quoting online well ahead of the renewal date
• Increasing deductibles could save up to $650 each year
• Teenagers are charged the highest rates, with premiums as much as $455 per month if they have full coverage
• Higher risk drivers who tend to receive serious violations may pay on average $1,740 more every year for car insurance

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.