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 for full coverage insurance. Comprehensive costs approximately $336 each year, collision insurance costs $626, and liability is $372. A policy with just liability insurance costs around $438 a year, and coverage for high-risk drivers costs around $3,228. Teens pay the highest rates at up to $5,458 a year.

Average premium for full coverage: $1,492

Price estimates by individual coverage:

Prices include $500 policy deductibles, 30/60 liability coverage, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 states and V50 models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can have significant affects on the price of auto insurance. Rural locations have fewer physical damage claims than cities with more traffic congestion. The graphic below illustrates the difference between rural and urban areas on auto insurance prices.

The ranges above illustrate why all drivers should compare rates quotes using their specific location and their own personal driving habits, instead of using averaged prices.

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

Additional Rate Details

The chart below illustrates average Volvo V50 insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $850
• Raising to $1,000 deductibles will save $220 each year
• The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,492
• Selecting low deductibles will cost $1,916
• At-risk drivers with serious driving violations could pay around $3,228
• The price with full coverage for a teen driver can cost $5,458

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

More mature drivers with a clean driving record and high physical damage deductibles may pay as little as $1,400 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they can expect to pay in the ballpark of $5,400 a year. View Rates by Age

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

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $650 every year, whereas increasing liability limits will push prices upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $335 more per year. View Rates by Deductible or Liability Limit

The state you live in also has a big influence on Volvo V50 insurance prices. A middle-age driver might find prices as low as $980 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $2,010 on average in Florida, 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 the Right Volvo V50 Insurance

Getting lower rates on car insurance consists of being a good driver, having a good credit history, not filing small claims, and possibly raising deductibles. Set aside time to compare rates every year by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The following list is a quick rundown of the coverage data covered above.

• It is possible to save around $180 per year just by quoting online in advance
• Increasing physical damage deductibles could save up to $650 each year
• Drivers age 16 to 20 are expensive to insure, as much as $455 a month including comprehensive and collision insurance
• Higher risk drivers with reckless driving or DUI convictions could be forced to pay on average $1,740 more per year than a safer driver

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.