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 prices for a Volvo V50 are $1,492 every 12 months for full coverage insurance. Comprehensive costs around $336 each year, collision insurance costs $626, and liability costs around $372. A policy with just liability insurance costs as low as $438 a year, and coverage for high-risk drivers costs around $3,228. Teenage drivers pay the highest rates at up to $5,458 a year.

Average premium for full coverage: $1,492

Price estimates for individual coverage:

Rates are based on $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 states and V50 models.

Price Range from Low to High

Geographic Price Range

Where you live can have significant affects on car insurance rates. Areas with sparse population have more infrequent physical damage claims than densely populated cities. The graphic below illustrates how rural and urban location affects auto insurance rates.

The ranges above illustrate why all drivers should compare prices for a specific zip code and their own driving history, instead of using average rates.

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

Additional Rate Information

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

• The best discount rate is $850
• Using higher $1,000 deductibles will save about $220 each year
• The average price for the average middle-age driver using $500 deductibles is $1,492
• Using low deductibles for physical damage coverage increases the price to $1,916
• Drivers who are prone to accidents and violations could pay at least $3,228
• The price to insure a teen driver can be $5,458 or more

View Chart as Image

Insurance prices for a Volvo V50 are also quite variable based on deductibles and policy limits, your risk profile, and the trim level and model year.

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

More mature drivers with a clean driving record and higher deductibles may pay as little as $1,400 a year for full coverage. Prices are much higher for teenage drivers, since even excellent drivers can expect to pay as much as $5,400 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are probably paying at least $1,800 to $2,400 extra each year, depending on your age. Insurance for high-risk drivers can be as much as 44% to 135% more than a normal policy. View High Risk Driver Rates

The state you live in has a huge impact on Volvo V50 insurance prices. A driver around age 40 might see prices as low as $980 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $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 Cheap Volvo V50 Insurance

Getting lower rates on car insurance requires being a safe and courteous driver, having good credit, not filing small claims, and dropping full coverage on older vehicles. Set aside time to shop around at every other renewal by quoting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

Below is a quick review of the concepts that were raised in the charts and tables above.

• Higher risk drivers with a DUI or reckless driving violation may pay on average $1,740 more every year for auto insurance
• Teenage drivers pay higher prices, as much as $455 a month if they have full coverage
• It is possible to save up to $180 per year just by quoting online in advance
• Increasing physical damage deductibles could save as much as $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.

• 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.