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 for full coverage. Comprehensive costs approximately $336 each year, collision insurance costs $626, and liability coverage is estimated at $372. A policy with just liability insurance costs approximately $438 a year, and coverage for high-risk drivers costs around $3,228. 16-year-old 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 comprehensive and collision deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all states and V50 models.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a large influence on car insurance rates. Rural locations have a lower frequency of accident claims than congested cities. The graphic below illustrates how location helps determine auto insurance prices.

The ranges above show why all drivers should get quotes using their specific location and risk profile, rather than using rate averages.

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

Detailed Rate Analysis

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

• The best full coverage rate is $850
• Choosing higher $1,000 deductibles can save $220 a year
• The average rate for the average middle-age driver who chooses $500 deductibles is $1,492
• Buying low deductibles for comp and collision coverage will increase the cost to $1,916
• Drivers with multiple tickets or accidents could pay around $3,228
• The price for full coverage for a teenage 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 of your V50, and physical damage deductibles and liability limits.

More mature drivers with a clean driving record and high deductibles may only pay around $1,400 annually on average for full coverage. Prices are highest for teenage drivers, where even good drivers can expect 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 rates. A good driver about age 40 could pay as low as $980 a year in states like Iowa, Maine, and Idaho, or at least $2,130 on average in New York, Louisiana, and Michigan.

View Chart as Image

Opting for high physical damage deductibles can save as much as $650 a year, whereas increasing liability limits will push prices upward. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $335 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying anywhere from $1,800 to $2,400 extra each year, depending on your age. Insurance for high-risk drivers ranges around 44% to 135% more than the average rate. 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 auto insurance takes avoiding accidents and violations, maintaining good credit, eliminating unnecessary coverage, and possibly raising deductibles. Invest time comparing rates every couple of years by getting quotes from direct carriers like Progressive and GEICO, and also from local exclusive and independent agents.

The list below is a brief summary of the material that was covered in the charts and tables above.

• Consumers who purchase higher liability limits will pay around $410 each year to raise limits from a low limit to 250/500 limits
• Teenagers are expensive to insure, with premiums as much as $455 a month for full coverage
• Drivers that tend to have accidents or serious violations may pay on average $1,740 more per year for car insurance
• Increasing physical damage deductibles can save around $650 each year

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.