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 auto insurance rates for a Volvo V50 are $1,492 annually including full coverage. 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. 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:

These estimates include $500 policy deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 U.S. states and V50 models.

Price Range from Low to High

Geographic Price Range

Your location has a significant impact on the price of auto insurance. More rural locations have fewer comprehensive and collision claims than larger metro areas. The graphic below illustrates how your location can change insurance prices.

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

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

Rates by State, City, and Model

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

• The lowest rate with discounts is $850
• Drivers who choose higher $1,000 deductibles will pay approximately $220 every year
• The estimated rate for the average middle-age driver who has $500 deductibles is $1,492
• Choosing low deductibles for comprehensive and collision insurance will cost $1,916
• High risk drivers with multiple violations and an at-fault accident could pay up to $3,228
• The price with full coverage for a teen driver can cost as much as $5,458 a year

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Auto insurance prices for a Volvo V50 are also quite variable based on the trim level and model year, your driving characteristics, and liability limits and deductibles.

More mature drivers with a good driving record and high physical damage deductibles could pay as little as $1,400 per year on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will have to pay at least $5,400 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying $1,800 to $2,400 in extra premium each year, depending on your age. Insurance for high-risk drivers can cost anywhere from 44% to 135% more than average. View High Risk Driver Rates

Choosing high deductibles could save up to $650 each year, whereas increasing liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $335 extra every year. View Rates by Deductible or Liability Limit

The state you live in makes a big difference in Volvo V50 insurance rates. A 40-year-old driver could pay as low as $1,140 a year in states like Vermont, New Hampshire, and Missouri, or as much as $2,130 on average in Louisiana, New York, and Michigan.

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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 Cheap Volvo V50 Insurance

Getting lower rates on Volvo V50 insurance not only requires avoiding accidents and claims, but also having above-average credit, being claim-free, and consideration of higher deductibles. Invest the time to shop around at every policy renewal by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The points below are a brief summary of the data illustrated above.

• Drivers who want increased liability limits will pay about $410 per year to go from a low limit to higher 250/500 limits
• You may be able to save approximately $180 per year just by quoting online in advance
• Increasing physical damage deductibles could save up to $650 each year
• Drivers under the age of 20 are the costliest to insure, possibly costing $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.