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.

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

Average premium for full coverage: $1,492

Policy rates by type of insurance:

Prices include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all U.S. states and V50 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on the price of insurance. Rural locations are shown to have a lower frequency of collision claims than larger metro areas. The diagram below illustrates the difference between rural and urban areas on auto insurance prices.

The examples above demonstrate why it is important to compare rates using their specific location and risk profile, instead of using price averages.

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

Additional Rate Information

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

• The lowest rate with discounts is $850
• Drivers who choose higher $1,000 deductibles will pay $1,272 annually
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,492
• Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,916
• Higher-risk drivers with multiple violations and an at-fault accident could pay around $3,228
• Policy cost for full coverage for a teen driver can cost $5,458 a year

View Chart as Image

Insurance rates for a Volvo V50 also range considerably based on your risk profile, the trim level and model year, and physical damage deductibles and liability limits.

Older drivers with no violations or accidents and high deductibles may pay as little as $1,400 per year on average, or $117 per month, for full coverage. Rates are highest for teenagers, where even good drivers should be prepared to pay in the ballpark of $5,400 a year. View Rates by Age

Your home state makes a big difference in Volvo V50 insurance prices. A 40-year-old driver could pay as low as $1,070 a year in states like Utah, Ohio, and New Hampshire, or as much as $2,010 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing high deductibles could save up to $650 every year, while buying higher liability limits will push rates upward. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $335 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out anywhere from $1,800 to $2,400 additional every year, depending on your age. A high-risk auto insurance policy can cost as much as 44% to 135% more than average. 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 Right Volvo V50 Insurance

Finding cheaper rates on car insurance not only requires having a decent driving record, but also having a good credit history, not filing small claims, and consideration of higher deductibles. Set aside time to compare rates at every other renewal by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following items are a quick rundown of the concepts that were covered above.

• Higher risk drivers with reckless driving or DUI convictions pay on average $1,740 more per year than a driver with a clean driving record
• 16 to 18-year-old drivers are the costliest to insure, as much as $455 each month including comprehensive and collision insurance
• You may be able to save around $180 per year just by quoting early and online
• Increasing comprehensive and collision 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.

• Acura TL Insurance Rates
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• Audi A5 Insurance Rates

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.