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 costs approximately $336, collision insurance costs $626, and liability insurance costs around $372. A policy with just liability insurance costs as low as $438 a year, and coverage for high-risk drivers costs around $3,228. Teenage drivers receive the highest rates at up to $5,458 a year.

Average premium for full coverage: $1,492

Rate estimates by individual coverage type:

Price estimates include $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 U.S. states and for all V50 models.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a significant impact on car insurance prices. Rural locations tend to have lower incidents of comprehensive and collision claims than densely populated cities. The example below illustrates how location impacts auto insurance prices.

These examples highlight why everyone should compare prices using their specific location, rather than relying on average rates.

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

Additional Rate Information

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

• The best discount rate is $850
• Using higher $1,000 deductibles will save $220 every year
• The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,492
• Using pricier low deductibles for physical damage coverage bumps up the cost to $1,916
• Drivers who are prone to accidents and violations could pay around $3,228
• The cost that insures a teen driver for full coverage can cost $5,458 or more

View Chart as Image

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

If you like to drive fast or you caused an accident, you are likely paying anywhere from $1,800 to $2,400 additional per year, depending on your age. Volvo V50 insurance for high-risk drivers can be anywhere from 44% to 135% more than a normal policy. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,400 a year for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records should be prepared to pay in the ballpark of $5,400 a year. View Rates by Age

Where you live has a huge impact on Volvo V50 insurance rates. A driver around age 40 might see rates as low as $1,140 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,130 on average in Louisiana, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $650 each year, whereas buying more liability protection will push rates upward. Changing 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 Cheaper Volvo V50 Insurance

Saving money on Volvo V50 insurance requires being a safe and courteous driver, having a good credit score, not filing small claims, and consideration of higher deductibles. Compare prices every other policy renewal by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local auto insurance providers.

Below is a condensed summary of the ideas that were touched on above.

• Teenage drivers are the costliest to insure, as much as $455 per month if comprehensive and collision insurance is included
• High-risk drivers with multiple at-fault accidents will likely pay on average $1,740 more per year for auto insurance
• Increasing deductibles can save approximately $650 each year
• You may be able to save around $180 per year just by quoting online well ahead of the renewal date

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.