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

Average premium for full coverage: $1,492

Rate estimates broken down by individual coverage type:

Rates are based on $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 states and V50 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a significant impact on the price of insurance. More rural locations tend to have lower incidents of physical damage claims than cities with more traffic congestion. The diagram below illustrates how location impacts insurance prices.

These examples illustrate why it is important to compare rates quotes for a targeted area, rather than relying on averaged prices.

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

Rate Comparisons

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

• The cheapest rate after discounts is $850
• Raising to $1,000 deductibles will save approximately $1,272 each year
• The estimated price for a 40-year-old driver who has $500 deductibles is $1,492
• Selecting low $100 deductibles bumps up the cost to $1,916
• Higher-risk drivers with serious driving violations could pay up to $3,228
• The cost that insures a teen driver can cost as much as $5,458

View Chart as Image

Insurance rates for a Volvo V50 can also vary considerably based on the trim level of your V50, your age and driving record, and liability limits and deductibles.

If you like to drive fast or you caused an accident, you are probably paying $1,800 to $2,400 additional per year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 44% to 135% more than the average policy. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,400 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records should be prepared to pay at least $5,400 a year. View Rates by Age

Where you live also has a big influence on Volvo V50 insurance rates. A middle-age driver might find rates 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.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $650 each year, while buying higher liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $335 more each year. View Rates by Deductible or Liability Limit

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 Volvo V50 insurance consists of avoiding accidents and violations, having a good credit score, avoid buying unnecessary coverage, and possibly raising deductibles. Compare rates at every other renewal by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The list below is a quick review of the concepts that were touched on above.

• High-risk drivers with a DUI or reckless driving violation may have to pay on average $1,740 more annually for car insurance
• Teenagers are expensive to insure, costing up to $455 per month if comprehensive and collision insurance is included
• It is possible to save approximately $180 per year just by quoting early and online
• Increasing deductibles can save approximately $650 each year
• It is possible to save approximately $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.