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 insurance. Comprehensive costs around $336 a year, collision insurance costs $626, and liability insurance is $372. Buying just liability costs around $438 a year, and insurance for high-risk drivers costs around $3,228. 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 for type of insurance:

Rate estimates include $500 deductible amounts, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 states and V50 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on car insurance rates. Areas with sparse population are shown to have more infrequent physical damage claims than congested cities. The diagram below illustrates the difference location can make on auto insurance rates.

The examples above illustrate why it is important to compare rates quotes for a specific zip code and their own driving history, rather than relying on rate averages.

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

Additional Charts and Tables

The chart below illustrates average Volvo V50 insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $850
• Raising to $1,000 deductibles will save about $1,272 each year
• The average price for a good driver age 40 using $500 deductibles is $1,492
• Buying low $100 deductibles increases the price to $1,916
• Higher-risk drivers with multiple tickets or accidents could pay at least $3,228
• Policy cost to insure a teen driver can be $5,458

View Chart as Image

Insurance rates for a Volvo V50 also range considerably based on liability limits and deductibles, your risk profile, and the trim level and model year.

Opting for high physical damage deductibles can reduce rates by up to $650 each year, while buying higher liability limits will increase rates. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $335 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles could pay as little as $1,400 every 12 months on average, or $117 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers can expect to pay as much as $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 probably paying at least $1,800 to $2,400 extra every year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 44% to 135% more than the average rate. View High Risk Driver Rates

Your home state also has a big influence on Volvo V50 insurance rates. A middle-age driver might find rates as low as $980 a year in states like Vermont, Wisconsin, and North Carolina, or at least $2,010 on average in Michigan, New York, and Florida.

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 Volvo V50 insurance consists of having a good driving record, having good credit, being claim-free, and dropping full coverage on older vehicles. Make time to compare rates every couple of years by getting rate quotes from direct insurance companies, and also from your local independent and exclusive agents.

The next list is a brief recap of the material that was touched on in this article.

• Drivers who may need increased levels of liability coverage will pay around $410 annually to raise from a 30/60 limit to a 250/500 level
• Drivers age 20 and younger pay higher rates, possibly costing $455 each month if they have full coverage
• High-risk drivers who tend to receive serious violations may pay on average $1,740 more every year to buy Volvo V50 insurance
• Increasing comprehensive and collision deductibles could save as much as $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.