Volvo V50 Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Jun 4, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
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. Comprehensive costs an estimated $336 each year, collision costs $626, and liability coverage costs around $372. A policy with just liability insurance costs as low as $438 a year, with coverage for high-risk drivers costing around $3,228. Teenage drivers receive the highest rates at $5,458 a year or more.
Average premium for full coverage: $1,492
Rate estimates broken down by individual coverage type:
Full coverage includes $500 physical damage deductibles, split liability limits of 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all states and V50 models.
Price Range by Coverage and Risk
Using a middle-aged driver as an example, prices range go from the low end price of $438 for just liability insurance to a high rate of $3,228 for coverage for higher-risk drivers.
Price Range by Location
Where you live has a large influence on insurance rates. More rural locations tend to have lower incidents of accident claims than densely populated cities.
The graphic below illustrates how where you live affects insurance prices.
These examples show why all drivers should compare prices for a targeted area, rather than using average rates.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
More Rate Details
The chart below shows estimated Volvo V50 insurance rates for other coverage scenarios.
- The best discount rate is $850
- Using higher $1,000 deductibles will save approximately $220 a year
- The estimated price for a 40-year-old driver who has $500 deductibles is $1,492
- Using low deductibles for physical damage coverage bumps up the cost to $1,916
- Higher-risk drivers who are prone to accidents and violations could pay up to $3,228 or more
- The cost that insures a teenage driver can cost as much as $5,458 or more
Insurance rates for a Volvo V50 can also vary considerably based on the trim level and model year, how you drive, and liability limits and deductibles.
If you like to drive fast or you caused an accident, you could be paying $1,800 to $2,400 additional per year, depending on your age. Insurance for high-risk drivers can be around 44% to 135% more than a normal policy. View High Risk Driver Rates
More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $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 at least $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 $980 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $2,130 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,346 | -$146 | -9.8% |
| Alaska | $1,146 | -$346 | -23.2% |
| Arizona | $1,236 | -$256 | -17.2% |
| Arkansas | $1,492 | -$0 | 0.0% |
| California | $1,698 | $206 | 13.8% |
| Colorado | $1,424 | -$68 | -4.6% |
| Connecticut | $1,532 | $40 | 2.7% |
| Delaware | $1,690 | $198 | 13.3% |
| Florida | $1,866 | $374 | 25.1% |
| Georgia | $1,378 | -$114 | -7.6% |
| Hawaii | $1,070 | -$422 | -28.3% |
| Idaho | $1,010 | -$482 | -32.3% |
| Illinois | $1,112 | -$380 | -25.5% |
| Indiana | $1,122 | -$370 | -24.8% |
| Iowa | $1,006 | -$486 | -32.6% |
| Kansas | $1,418 | -$74 | -5.0% |
| Kentucky | $2,034 | $542 | 36.3% |
| Louisiana | $2,208 | $716 | 48.0% |
| Maine | $920 | -$572 | -38.3% |
| Maryland | $1,230 | -$262 | -17.6% |
| Massachusetts | $1,194 | -$298 | -20.0% |
| Michigan | $2,590 | $1,098 | 73.6% |
| Minnesota | $1,248 | -$244 | -16.4% |
| Mississippi | $1,786 | $294 | 19.7% |
| Missouri | $1,322 | -$170 | -11.4% |
| Montana | $1,602 | $110 | 7.4% |
| Nebraska | $1,176 | -$316 | -21.2% |
| Nevada | $1,788 | $296 | 19.8% |
| New Hampshire | $1,074 | -$418 | -28.0% |
| New Jersey | $1,666 | $174 | 11.7% |
| New Mexico | $1,320 | -$172 | -11.5% |
| New York | $1,570 | $78 | 5.2% |
| North Carolina | $858 | -$634 | -42.5% |
| North Dakota | $1,220 | -$272 | -18.2% |
| Ohio | $1,030 | -$462 | -31.0% |
| Oklahoma | $1,532 | $40 | 2.7% |
| Oregon | $1,366 | -$126 | -8.4% |
| Pennsylvania | $1,424 | -$68 | -4.6% |
| Rhode Island | $1,990 | $498 | 33.4% |
| South Carolina | $1,352 | -$140 | -9.4% |
| South Dakota | $1,258 | -$234 | -15.7% |
| Tennessee | $1,308 | -$184 | -12.3% |
| Texas | $1,796 | $304 | 20.4% |
| Utah | $1,104 | -$388 | -26.0% |
| Vermont | $1,022 | -$470 | -31.5% |
| Virginia | $894 | -$598 | -40.1% |
| Washington | $1,152 | -$340 | -22.8% |
| West Virginia | $1,368 | -$124 | -8.3% |
| Wisconsin | $1,032 | -$460 | -30.8% |
| Wyoming | $1,328 | -$164 | -11.0% |
Using high physical damage deductibles could cut rates by as much as $650 a year, whereas increasing liability limits will increase premiums. Going 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
With so much variability in rates, the only way to know which company is cheapest is to do a rate comparison and see how they stack up. Each insurance company uses a different method to calculate rates, and rates can be significantly different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Volvo V50 2.4I | $1,446 | $121 |
| Volvo V50 AWD T5 R-Design | $1,534 | $128 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2010 Volvo V50 | $162 | $214 | $468 | $1,002 |
Rates are averaged for all Volvo V50 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find More Affordable Volvo V50 Insurance
Saving money on auto insurance requires being a safe and courteous driver, having a good credit score, eliminating unneeded coverage, and maximizing policy discounts. Compare prices at least once a year by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
Below is a summary of the primary concepts that were touched on in the above illustrations.
- Drivers can save approximately $180 per year simply by quoting online in advance
- Drivers who have multiple accidents or major violations may pay on average $1,740 more annually for auto insurance
- Increasing deductibles can save approximately $650 each year
- Teenage drivers are expensive to insure, costing as high as $455 per 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.
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
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.
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.
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,458 |
| 20 | $3,446 |
| 30 | $1,564 |
| 40 | $1,492 |
| 50 | $1,362 |
| 60 | $1,334 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,916 |
| $250 | $1,718 |
| $500 | $1,492 |
| $1,000 | $1,272 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,492 |
| 50/100 | $1,608 |
| 100/300 | $1,701 |
| 250/500 | $1,943 |
| 100 CSL | $1,646 |
| 300 CSL | $1,850 |
| 500 CSL | $1,999 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,808 |
| 20 | $5,478 |
| 30 | $3,306 |
| 40 | $3,228 |
| 50 | $3,078 |
| 60 | $3,050 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $80 |
| Multi-vehicle | $77 |
| Homeowner | $21 |
| 5-yr Accident Free | $114 |
| 5-yr Claim Free | $97 |
| Paid in Full/EFT | $71 |
| Advance Quote | $75 |
| Online Quote | $107 |
| Total Discounts | $642 |
Discounts are estimated and may not be available from every company or in every state.
Compare Rates and Save
Find companies with the cheapest rates in your area
