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 rates for a Volvo V50 are $1,492 a year for full coverage insurance. Comprehensive insurance costs around $336 each year, collision insurance costs $626, and liability coverage costs around $372. Buying just liability costs as low as $438 a year, and insurance for high-risk drivers costs $3,228 or more. Teen 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:

Price estimates include $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 states and V50 models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on car insurance rates. Areas with sparse population are shown to have a lower frequency of physical damage claims than larger metro areas. The graphic below illustrates how geographic area affects auto insurance rates.

The examples above illustrate why all drivers should compare prices for a specific zip code and risk profile, rather than using price averages.

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

Rate Comparisons

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

• The lowest rate with discounts is $850
• Using higher $1,000 deductibles will save about $220 each year
• The average rate for a good driver age 40 using $500 deductibles is $1,492
• Choosing low deductibles for physical damage coverage will cost an extra $424 each year
• Higher-risk drivers with multiple violations and an at-fault accident could pay at least $3,228
• Policy cost for full coverage for a teenage driver can be $5,458 or more

View Chart as Image

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

More mature drivers with a clean driving record and high deductibles may only pay around $1,400 a year, or $117 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay as much as $5,400 a year. View Rates by Age

Your home state has a huge impact on Volvo V50 insurance rates. A driver around age 40 might see rates as low as $980 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $2,010 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing high deductibles could cut rates by as much as $650 a year, whereas increasing liability limits will increase rates. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $335 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying at least $1,800 to $2,400 extra every year, depending on your age. Insurance for high-risk drivers can be around 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 Cheaper Volvo V50 Insurance

Finding cheaper rates on auto insurance requires being a safe and courteous driver, maintaining good credit, being claim-free, and dropping full coverage on older vehicles. Invest the time to compare rates at every other renewal by quoting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

Below is a condensed summary of the concepts that were presented in the illustrations above.

• Drivers with multiple at-fault accidents may pay on average $1,740 more every year for auto insurance
• Teenage drivers pay higher rates, possibly costing $455 each month for full coverage
• It is possible to save up to $180 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles can save around $650 each year
• It is possible to save up to $180 per year just by quoting online in advance

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.