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.

U.S. average insurance rates for a Volvo V50 are $1,492 a year with full coverage. Comprehensive insurance costs approximately $336 a year, collision insurance costs $626, and liability is estimated at $372. Buying just liability costs approximately $438 a year, and insurance for high-risk drivers costs $3,228 or more. Teen drivers pay the highest rates at up to $5,458 a year.

Average premium for full coverage: $1,492

Price estimates by individual coverage:

These estimates include $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all U.S. states and V50 trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city can have significant affects on the price of insurance. Rural locations have a lower frequency of collision claims than larger metro areas. The diagram below illustrates how where you live affects auto insurance prices.

The ranges above demonstrate why it is important to get quotes using their specific location and risk profile, instead of using price averages.

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

Rates by State, City, and Model

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

• The lowest rate with discounts is $850
• Choosing higher $1,000 deductibles can save $1,272 annually
• The average rate for the average middle-age driver who chooses $500 deductibles is $1,492
• Choosing low $100 deductibles for comp and collision coverage will cost an extra $424 every year
• Unlucky drivers with multiple violations and an at-fault accident could pay around $3,228
• The price for full coverage for a teen driver can cost $5,458 each year

View Chart as Image

Insurance prices for a Volvo V50 are also quite variable based on your driving record, 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 annually on average for full coverage. Prices are highest for teenage drivers, where even good drivers should be prepared to pay in the ballpark of $5,400 a year. View Rates by Age

The state you live in plays a big part in determining prices for Volvo V50 insurance prices. A good driver about age 40 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 can save as much as $650 every year, while buying higher liability limits will push prices upward. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $335 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out anywhere from $1,800 to $2,400 additional each year, depending on your age. A high-risk auto insurance policy ranges 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 Cheap Volvo V50 Insurance

Getting lower rates on car insurance takes being a low-risk driver, having a good credit history, avoid buying unnecessary coverage, and consideration of higher deductibles. Take the time to comparison shop every other policy renewal by getting quotes from direct companies like Progressive and GEICO, and also from several local insurance agents.

The items below are a brief summary of the ideas that were touched on in the above illustrations.

• Teen drivers are the costliest to insure, costing up to $455 a month including comprehensive and collision insurance
• Higher risk drivers that tend to have accidents or serious violations pay on average $1,740 more per year to insure their V50
• Increasing physical damage 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.

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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.