Volvo V50 Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

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.

U.S. average insurance rates for a Volvo V50 are $1,070 a year for full coverage. Comprehensive insurance costs approximately $176 each year, collision insurance costs $262, and liability costs around $474. Liability-only insurance costs as low as $522 a year, and high-risk driver insurance costs $2,310 or more. 16-year-old drivers pay the highest rates at up to $4,276 a year.

Average premium for full coverage: $1,070

Price estimates by individual coverage:

Comprehensive $176
Collision $262
Liability $474

Includes $500 deductibles, 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

For the average driver, Volvo V50 insurance prices range from the low end price of $522 for minimum levels of liability insurance to a high rate of $2,310 for a driver that may need high-risk insurance.

Liability Only $522
Full Coverage $1,070
High Risk $2,310

Geographic Price Range

Where you live can make a big difference on car insurance rates. Rural locations have lower incidents of accident claims than congested cities. The graphic below illustrates how location impacts auto insurance prices.

Rural Areas $803
Small Cities $1,124
Large Cities $1,445

The ranges above show why all drivers should compare prices using their specific location, instead of making a decision based on rate averages.

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 shows average Volvo V50 insurance rates for additional coverage and risk scenarios.

  • The best full coverage rate is $641
  • Using higher $1,000 deductibles will save $100 a year
  • The estimated price for the average middle-age driver who chooses $500 deductibles is $1,070
  • Buying low deductibles for physical damage coverage will cost an additional $192 annually
  • High-risk insureds with multiple tickets or accidents could pay around $2,310
  • The price that insures a 16-year-old driver can cost $4,276 or more

View Chart as Image

Volvo V50 insurance cost comparison chart
Column chart showing Volvo V50 insurance prices range from $641 to $4,276 for full coverage

Car insurance prices for a Volvo V50 are also quite variable based on the trim level and model year, how you drive, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you could be paying anywhere from $1,300 to $1,800 extra each year, depending on your age. Insurance for high-risk drivers can be from 42% to 135% more than the average rate. View High Risk Driver Rates

More mature drivers with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,000 a year for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will be charged in the ballpark of $4,200 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 $710 a year in states like Iowa, Maine, and Idaho, or at least $1,530 on average in New York, Louisiana, and Michigan.

Volvo V50 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $968 -$102 -9.5%
Alaska $820 -$250 -23.4%
Arizona $888 -$182 -17.0%
Arkansas $1,070 -$0 0.0%
California $1,220 $150 14.0%
Colorado $1,022 -$48 -4.5%
Connecticut $1,100 $30 2.8%
Delaware $1,212 $142 13.3%
Florida $1,340 $270 25.2%
Georgia $988 -$82 -7.7%
Hawaii $768 -$302 -28.2%
Idaho $724 -$346 -32.3%
Illinois $798 -$272 -25.4%
Indiana $806 -$264 -24.7%
Iowa $722 -$348 -32.5%
Kansas $1,018 -$52 -4.9%
Kentucky $1,460 $390 36.4%
Louisiana $1,584 $514 48.0%
Maine $662 -$408 -38.1%
Maryland $882 -$188 -17.6%
Massachusetts $858 -$212 -19.8%
Michigan $1,858 $788 73.6%
Minnesota $896 -$174 -16.3%
Mississippi $1,282 $212 19.8%
Missouri $948 -$122 -11.4%
Montana $1,150 $80 7.5%
Nebraska $844 -$226 -21.1%
Nevada $1,284 $214 20.0%
New Hampshire $770 -$300 -28.0%
New Jersey $1,196 $126 11.8%
New Mexico $948 -$122 -11.4%
New York $1,128 $58 5.4%
North Carolina $616 -$454 -42.4%
North Dakota $876 -$194 -18.1%
Ohio $738 -$332 -31.0%
Oklahoma $1,100 $30 2.8%
Oregon $980 -$90 -8.4%
Pennsylvania $1,022 -$48 -4.5%
Rhode Island $1,426 $356 33.3%
South Carolina $970 -$100 -9.3%
South Dakota $904 -$166 -15.5%
Tennessee $936 -$134 -12.5%
Texas $1,290 $220 20.6%
Utah $792 -$278 -26.0%
Vermont $732 -$338 -31.6%
Virginia $640 -$430 -40.2%
Washington $828 -$242 -22.6%
West Virginia $980 -$90 -8.4%
Wisconsin $742 -$328 -30.7%
Wyoming $954 -$116 -10.8%

View Chart as Image

Volvo V50 insurance rates by U.S. city

Opting for high physical damage deductibles could cut prices by as much as $300 annually, whereas increasing liability limits will push prices upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $426 extra every 12 months. View Rates by Deductible or Liability Limit

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 $1,050 $88
Volvo V50 AWD T5 R-Design $1,090 $91

Rates assume 2010 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 $176 $262 $474 $1,070

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 Find the Cheapest Volvo V50 Insurance

Getting lower rates on insurance for a Volvo V50 requires not taking risks behind the wheel, having a positive credit history, eliminating unnecessary coverage, and attention to physical damage deductibles. Comparison shop once a year by getting rate quotes from direct carriers, and also from insurance agencies where you live.

The following is a recap of the data that was touched on above.

  • Drivers can save around $120 per year just by quoting online in advance
  • Insureds who purchase higher liability limits will pay around $520 each year to increase from a low limit to the 250/500 level
  • Teens pay the highest auto insurance prices, with premiums as much as $356 a month if full coverage is purchased
  • Drivers considered higher risk that have major violations or accidents could be forced to pay on average $1,240 more per year for V50 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.

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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 $4,276
20 $2,456
30 $1,092
40 $1,070
50 $982
60 $962

Full coverage, $500 deductibles

Rates by Deductible

Volvo V50 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,262
$250 $1,174
$500 $1,070
$1,000 $970

Full coverage, driver age 40

Rates by Liability Limit

Volvo V50 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,070
50/100 $1,185
100/300 $1,303
250/500 $1,611
100 CSL $1,232
300 CSL $1,493
500 CSL $1,683

Full coverage, driver age 40

Rates for High Risk Drivers

Volvo V50 Insurance Rates for High Risk Drivers
Age Premium
16 $6,038
20 $3,920
30 $2,334
40 $2,310
50 $2,210
60 $2,186

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 $146

Potential Rate Discounts

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

Discount Savings
Multi-policy $55
Multi-vehicle $58
Homeowner $19
5-yr Accident Free $68
5-yr Claim Free $68
Paid in Full/EFT $40
Advance Quote $48
Online Quote $73
Total Discounts $429
Rate after discounts $641

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

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