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.

Estimated insurance rates for a Volvo V50 are $1,492 a year including full coverage. Comprehensive costs an estimated $336, collision insurance costs $626, and liability coverage costs around $372. A policy with only liability insurance costs as low as $438 a year, and a high-risk policy costs around $3,228. Teen drivers pay the most at up to $5,458 a year.

Average premium for full coverage: $1,492

Premium estimates broken down by type of coverage:

Prices are based on $500 policy deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 U.S. states and for different V50 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a large influence on the price of auto insurance. More rural locations are statistically proven to have lower incidents of comprehensive and collision claims than larger metro areas. The price range example below illustrates how your location can change insurance prices.

These rate differences highlight why anyone shopping for car insurance should compare prices for a targeted area, rather than using price averages.

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

More Rate Information

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

• The lowest rate with discounts is $850
• Using higher $1,000 deductibles will save approximately $220 every year
• The estimated price for a 40-year-old good driver who has $500 deductibles is $1,492
• Choosing more expensive low deductibles for physical damage coverage bumps up the cost to $1,916
• Higher-risk drivers with multiple violations and an at-fault accident could pay up to $3,228
• An auto insurance policy that insures a teenage driver with full coverage can cost as much as $5,458 or more

View Chart as Image

Car insurance prices for a Volvo V50 also have a wide range based on the model year and trim level, your driving record and age, and liability limits and deductibles.

If you have a few violations or you caused an accident, you are likely paying $1,800 to $2,400 extra annually, depending on your age. High-risk driver insurance can be around 44% to 135% more than average. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles may only pay around $1,400 a year, or $117 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will be charged at least $5,400 a year. View Rates by Age

Where you choose to live has a huge impact on Volvo V50 insurance rates. A driver around age 40 might see prices as low as $1,140 a year in states like Vermont, New Hampshire, and Missouri, or as much as $2,130 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing high deductibles could cut prices by as much as $650 a year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $335 extra every 12 months. View Rates by Deductible or Liability Limit

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 Affordable Volvo V50 Insurance

Finding better rates on auto insurance requires being a good driver, having a positive credit history, refrain from filing small claims, and possibly higher deductibles. Shop around at every policy renewal by getting rate quotes from direct car insurance companies, and also from your local car insurance providers.

The following list is a brief review of the data illustrated above.

• Consumers who want an increased level of liability coverage will pay about $410 per year to increase from 30/60 bodily injury limits to the 250/500 level
• You may be able to save approximately $180 per year just by shopping early and online
• Increasing policy deductibles can save approximately $650 each year
• Drivers age 16 to 20 have the highest car insurance prices, with the cost nearing $455 per month if full coverage is purchased

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.