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.

Average insurance rates for a Volvo V50 are $1,492 a year for full coverage. Comprehensive costs around $336, collision insurance costs $626, and liability coverage costs $372. Buying just liability costs as little as $438 a year, and insurance for high-risk drivers costs around $3,228. Teen drivers receive the highest rates at up to $5,458 a year.

Average premium for full coverage: $1,492

Rate estimates for individual coverage type:

Full coverage includes $500 deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Rates are averaged for all states and for all V50 models.

Price Range by Coverage and Risk

Price Range by Location

Your location has a large influence on auto insurance rates. Areas with sparse population tend to have a lower frequency of accident claims than larger metro areas. The example below illustrates the effect of geographic area on auto insurance rates.

These examples show why everyone should compare rates for a specific zip code and risk profile, rather than using price averages.

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

Additional Rate Analysis

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

• The lowest rate with discounts is $850
• Drivers who choose higher $1,000 deductibles will pay about $220 a year
• The average rate for a 40-year-old driver using $500 deductibles is $1,492
• Choosing pricier low deductibles for comprehensive and collision insurance will increase the cost to $1,916
• High-risk insureds with multiple violations and an at-fault accident could pay at least $3,228
• The cost for full coverage for a teenage driver for full coverage can be $5,458 a year

View Chart as Image

Auto insurance rates for a Volvo V50 can also vary considerably based on your driver profile, the trim level of your V50, and deductibles and policy limits.

A more mature driver with a good driving record and high deductibles may only pay around $1,400 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers will have to pay as much as $5,400 a year. View Rates by Age

Where you live makes a big difference in Volvo V50 insurance rates. A 40-year-old driver could pay as low as $980 a year in states like Idaho, Maine, and Iowa, or as much as $2,130 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing high deductibles could save up to $650 a year, whereas buying more liability protection will increase rates. Going from a 50/100 limit to a 250/500 limit will cost as much as $335 extra every year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at least $1,800 to $2,400 in extra premium per year, depending on your age. Volvo V50 insurance for high-risk drivers can cost 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 More Affordable Volvo V50 Insurance

Saving money on auto insurance not only requires not taking risks behind the wheel, but also having good credit, eliminating unneeded coverage, and possibly raising deductibles. Take the time to compare rates every year by requesting quotes from direct carriers like GEICO and Progressive, and also from local insurance agents.

The following is a summary of the coverage data covered in the above illustrations.

• Drivers can save up to $180 per year just by quoting online well ahead of the renewal date
• Increasing deductibles can save around $650 each year
• Teens are expensive to insure, costing as high as $455 per month if they have full coverage
• Drivers who have multiple accidents or major violations may be required to pay an average of $1,740 more every year for V50 insurance

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.

• Acura TL Insurance Rates
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• Audi A5 Insurance Rates

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.