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 prices for a Volvo V50 are $1,492 every 12 months for full coverage. Comprehensive costs on average $336 each year, collision insurance costs $626, and liability insurance is estimated at $372. Liability-only insurance costs approximately $438 a year, and high-risk driver insurance 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 physical damage insurance deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all states and V50 models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on car insurance rates. Rural areas are shown to have more infrequent accident claims than larger metro areas. The graphic below illustrates how geographic area affects car insurance rates.

The examples above show why all drivers should get quotes based on a specific location and their own driving history, rather than relying on price averages.

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

Additional Charts and Tables

The chart below shows average Volvo V50 insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $850
• Choosing higher $1,000 deductibles can save around $220 a year
• The average price for a good driver age 40 with $500 deductibles is $1,492
• Choosing low deductibles for comp and collision coverage increases the price to $1,916
• High-risk insureds with multiple violations and an at-fault accident could pay upwards of $3,228
• Policy cost to insure a teen driver may cost $5,458 each year

View Chart as Image

Auto insurance rates for a Volvo V50 also range considerably based on liability limits and deductibles, your driver profile, and the trim level of your V50.

Choosing high deductibles can save as much as $650 each year, whereas increasing liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $335 extra every year. View Rates by Deductible or Liability Limit

More mature drivers with a good driving record and higher deductibles could pay as little as $1,400 annually on average, or $117 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will have to pay upwards of $5,400 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying at a minimum $1,800 to $2,400 in extra premium every year, depending on your age. Insurance for high-risk drivers ranges anywhere from 44% to 135% more than average. View High Risk Driver Rates

Your home state plays a big part in determining prices for Volvo V50 insurance rates. A good driver about age 40 could pay as low as $980 a year in states like Idaho, Maine, and Iowa, or as much as $2,130 on average in Michigan, Louisiana, and New York.

View Chart as Image

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 Shop for the Right Volvo V50 Insurance

Finding cheaper rates on Volvo V50 insurance takes being a low-risk driver, having a good credit score, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Invest the time to compare rates at least once a year by requesting rates from direct carriers, and also from local independent and exclusive agents.

The items below are a quick rundown of the primary concepts that were presented in the illustrations above.

• Drivers can save as much as $180 per year just by quoting online in advance
• High-risk drivers with reckless driving or DUI convictions pay an average of $1,740 more each year to insure their V50
• Increasing comprehensive and collision deductibles could save as much as $650 each year
• Teen drivers are charged the highest rates, costing up to $455 each month if comprehensive and collision insurance is included

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.