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 including full coverage. Comprehensive insurance costs an estimated $336 each year, collision insurance costs $626, and liability costs $372. A liability-only policy costs as little as $438 a year, and high-risk insurance costs $3,228 or more. 16-year-old drivers cost the most to insure at up to $5,458 a year.

Average premium for full coverage: $1,492

Policy rates broken down by type of insurance:

Rate estimates include $500 policy deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 U.S. states and V50 models.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on the price of auto insurance. More rural locations are shown to have more infrequent comprehensive and collision claims than congested cities. The graphic below illustrates how geographic area affects insurance prices.

The examples above highlight why all drivers should compare rates for a targeted area and their own driving history, instead of using rate averages.

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

Additional Rate Analysis

The chart below breaks down average Volvo V50 insurance rates for other coverage scenarios.

• The best full coverage rate is $850
• Drivers who choose higher $1,000 deductibles will pay approximately $220 every year
• The average price for a good driver age 40 who has $500 deductibles is $1,492
• Buying low deductibles for comprehensive and collision insurance costs an extra $424 every year
• Higher-risk drivers with multiple tickets or accidents could pay up to $3,228
• Policy cost to insure a teen driver can cost as much as $5,458 a year

View Chart as Image

Car insurance rates for a Volvo V50 also range considerably based on liability limits and deductibles, your driving characteristics, and the model year and trim level.

Opting for high physical damage deductibles could save up to $650 every year, whereas increasing liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $335 extra every 12 months. View Rates by Deductible or Liability Limit

More mature drivers with no driving violations and higher deductibles may pay as little as $1,400 per year on average, or $117 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will be charged at least $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 are likely paying $1,800 to $2,400 extra every year, depending on your age. Insurance for high-risk drivers can cost as much as 44% to 135% more than the average rate. View High Risk Driver Rates

Your home state makes a big difference in Volvo V50 insurance prices. A 40-year-old driver could pay as low as $1,140 a year in states like Vermont, New Hampshire, and Missouri, or at least $2,130 on average in Louisiana, New York, and Michigan.

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 Best Volvo V50 Insurance

Finding cheaper rates on car insurance not only requires being safe and accident-free, but also maintaining a good credit score, paying for small claims out-of-pocket, and possibly higher deductibles. Invest the time to compare rates every year by requesting quotes from direct car insurance companies, and also from local insurance agencies.

Below you'll find a brief recap of the coverage data presented in the illustrations above.

• You may be able to save approximately $180 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles could save as much as $650 each year
• Youthful drivers have the highest car insurance rates, with premiums being up to $455 each month if the policy includes full coverage
• Higher risk drivers who tend to receive serious violations may have to pay on average $1,740 more annually than a low-risk driver

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.