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 insurance rates for a Volvo V50 are $1,492 a year including full coverage. Comprehensive insurance costs approximately $336 a year, collision insurance costs $626, and liability coverage is estimated at $372. Liability-only coverage costs approximately $438 a year, and high-risk coverage costs $3,228 or more. Teens receive the highest rates at up to $5,458 a year.

Average premium for full coverage: $1,492

Rate estimates by individual coverage type:

Rates are based on $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 U.S. states and V50 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a large influence on car insurance prices. Rural locations tend to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion. The diagram below illustrates the effect of geographic area on auto insurance prices.

These examples highlight why it is important to get quotes using their specific location and risk profile, rather than using averaged prices.

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

Additional Rate Details

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

• The cheapest rate after discounts is $850
• Choosing higher $1,000 deductibles can save $1,272 every year
• The average rate for a 40-year-old driver who chooses $500 deductibles is $1,492
• Selecting low $100 deductibles for comp and collision coverage will cost an extra $424 each year
• Drivers with serious driving violations could pay around $3,228
• The cost for full coverage for a teenage driver can cost $5,458 each year

View Chart as Image

Car insurance rates for a Volvo V50 can also vary considerably based on your driver profile, the model of your V50, and physical damage deductibles and liability limits.

Older drivers with no driving violations and high deductibles may only pay around $1,400 annually on average for full coverage. Rates are much higher for teen drivers, where even good drivers will be charged in the ballpark of $5,400 a year. View Rates by Age

Where you live plays a big part in determining prices for Volvo V50 insurance rates. A good driver about age 40 could pay as low as $1,140 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $2,130 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $650 a year, while buying higher liability limits will push rates upward. Changing from a 50/100 limit to a 250/500 limit will cost as much as $335 extra every 12 months. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying anywhere from $1,800 to $2,400 extra per year, depending on your age. A high-risk auto insurance policy ranges around 44% to 135% more than the average policy. View High Risk Driver Rates

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 Find the Best Cheap Volvo V50 Insurance

Saving money on auto insurance takes avoiding accidents and violations, having above-average credit, not filing small claims, and attention to physical damage deductibles. Take the time to compare rates every other policy renewal by requesting quotes from direct car insurance companies like GEICO and Progressive, and also from insurance agencies where you live.

The list below is a quick review of the ideas that were covered in the above illustrations.

• Teenagers pay the highest auto insurance rates, as much as $455 per month if full coverage is included
• Drivers with a DUI or reckless driving violation could be forced to pay on average $1,740 more per year for car insurance
• Increasing deductibles can save around $650 each year
• You may be able to save around $180 per year just by quoting early and online

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.