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.

The average auto insurance rates for a Volvo V50 are $1,492 annually for full coverage insurance. Comprehensive costs around $336, collision costs $626, and liability costs $372. A liability-only policy costs as little as $438 a year, with high-risk insurance costing around $3,228. Teen drivers cost the most to insure at $5,458 a year or more.

Average premium for full coverage: $1,492

Policy rates for type of insurance:

Comprehensive $336
Collision $626
Liability $372

Includes $500 policy deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 states and for different V50 trim levels.

Price Range Variability

For a driver in their 40's, Volvo V50 insurance rates go from as cheap as $438 for liability-only coverage to a much higher rate of $3,228 for a high-risk insurance policy.

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

Urban vs. Rural Price Range

Your location can make a big difference on car insurance rates. Areas with sparse population are shown to have fewer physical damage claims than larger metro areas.

The price range example below illustrates how location helps determine auto insurance rates.

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

The examples above illustrate why anyone shopping for car insurance should compare rates for a specific zip code and their own personal driving habits, instead of making a decision based on price 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 Charts and Tables

The chart below illustrates estimated Volvo V50 insurance rates for additional coverage choices and driver risks.

  • The lowest rate with discounts is $850
  • Drivers who choose higher $1,000 deductibles will pay about $220 each year
  • The estimated rate for a good driver age 40 using $500 deductibles is $1,492
  • Choosing more expensive low deductibles for comprehensive and collision insurance will cost $1,916
  • Drivers with multiple violations and an at-fault accident could pay at least $3,228 or more
  • Policy cost with full coverage for a 16-year-old driver with full coverage can be $5,458 a 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

Car insurance rates for a Volvo V50 also range considerably based on the model year and trim level, your risk profile, and deductibles and policy limits.

An older driver with no driving violations and high physical damage deductibles may pay as low as $1,400 per year on average, or $117 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will be charged as much as $5,400 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are probably paying at least $1,800 to $2,400 extra every year, depending on your age. High-risk driver insurance can cost from 44% to 135% more than average. View High Risk Driver Rates

Choosing high deductibles could save up to $650 annually, while increasing your policy's liability limits will increase rates. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $335 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Volvo V50 insurance prices. A 40-year-old driver could pay as low as $980 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $2,010 on average in Michigan, New York, and Florida.

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

Because rates have so much variability, the only way to figure out your exact price is to compare rates from multiple companies. Every company uses a different rate calculation, so rate quotes will be varied between companies.

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 Buy the Cheapest Volvo V50 Insurance

Finding cheaper rates on insurance for a Volvo V50 not only requires being a good driver, but also having a good credit score, being claim-free, and qualifying for all possible discounts. Invest time comparing rates at least every other year by requesting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following list is a recap of the car insurance concepts covered in the charts and tables above.

  • Drivers considered higher risk that have major violations or accidents pay on average $1,740 more every year than a safer driver
  • It is possible to save up to $180 per year simply by shopping early and online
  • Increasing comprehensive and collision deductibles could save up to $650 each year
  • Insureds who may need an increased level of liability coverage will pay about $410 annually to go from a 30/60 limit to higher 250/500 limits

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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