Volvo V50 Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Jun 4, 2023
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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 prices for a Volvo V50 are $1,492 every 12 months for full coverage. Comprehensive insurance costs approximately $336 each year, collision costs $626, and liability insurance costs $372. Buying just liability costs as little as $438 a year, with insurance for high-risk drivers costing $3,228 or more. Teen drivers receive the highest rates at $5,458 a year or more.
Average premium for full coverage: $1,492
Rate estimates by individual coverage type:
Prices are based on $500 comprehensive and collision deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all states and V50 models.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range go from the cheapest price of $438 for just liability insurance to a high rate of $3,228 for a driver required to buy high-risk insurance.
Price Range by Location
Your location has a significant impact on car insurance rates. Rural locations tend to have more infrequent accident claims than larger metro areas.
The graphic below illustrates how rural and urban location affects auto insurance prices.
These examples show why all drivers should compare rates using their specific location and their own driving history, rather than relying on price averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
More Rate Details
The chart below shows estimated Volvo V50 insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $850
- Drivers who choose higher $1,000 deductibles will pay $220 a year
- The average price for a 40-year-old driver who chooses $500 deductibles is $1,492
- Choosing low deductibles for comprehensive and collision insurance costs an extra $424 a year
- High risk drivers with multiple violations and an at-fault accident could pay around $3,228 or more
- The cost to insure a teen driver can cost $5,458 a year
Auto insurance rates for a Volvo V50 can also vary considerably based on policy deductibles and limits, your driver profile, and the model of your V50.
Choosing high deductibles could save up to $650 each year, whereas increasing liability limits will push rates upward. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $335 extra every year. View Rates by Deductible or Liability Limit
More mature drivers with a good driving record and higher deductibles could pay as little as $1,400 per year on average for full coverage. Rates are highest for teen drivers, since even excellent drivers will have to pay in the ballpark of $5,400 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you could be paying anywhere from $1,800 to $2,400 in extra premium per year, depending on your age. Insurance for high-risk drivers can cost anywhere from 44% to 135% more than average. View High Risk Driver Rates
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 Iowa, Maine, and Idaho, or as much as $2,130 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,346 | -$146 | -9.8% |
| Alaska | $1,146 | -$346 | -23.2% |
| Arizona | $1,236 | -$256 | -17.2% |
| Arkansas | $1,492 | -$0 | 0.0% |
| California | $1,698 | $206 | 13.8% |
| Colorado | $1,424 | -$68 | -4.6% |
| Connecticut | $1,532 | $40 | 2.7% |
| Delaware | $1,690 | $198 | 13.3% |
| Florida | $1,866 | $374 | 25.1% |
| Georgia | $1,378 | -$114 | -7.6% |
| Hawaii | $1,070 | -$422 | -28.3% |
| Idaho | $1,010 | -$482 | -32.3% |
| Illinois | $1,112 | -$380 | -25.5% |
| Indiana | $1,122 | -$370 | -24.8% |
| Iowa | $1,006 | -$486 | -32.6% |
| Kansas | $1,418 | -$74 | -5.0% |
| Kentucky | $2,034 | $542 | 36.3% |
| Louisiana | $2,208 | $716 | 48.0% |
| Maine | $920 | -$572 | -38.3% |
| Maryland | $1,230 | -$262 | -17.6% |
| Massachusetts | $1,194 | -$298 | -20.0% |
| Michigan | $2,590 | $1,098 | 73.6% |
| Minnesota | $1,248 | -$244 | -16.4% |
| Mississippi | $1,786 | $294 | 19.7% |
| Missouri | $1,322 | -$170 | -11.4% |
| Montana | $1,602 | $110 | 7.4% |
| Nebraska | $1,176 | -$316 | -21.2% |
| Nevada | $1,788 | $296 | 19.8% |
| New Hampshire | $1,074 | -$418 | -28.0% |
| New Jersey | $1,666 | $174 | 11.7% |
| New Mexico | $1,320 | -$172 | -11.5% |
| New York | $1,570 | $78 | 5.2% |
| North Carolina | $858 | -$634 | -42.5% |
| North Dakota | $1,220 | -$272 | -18.2% |
| Ohio | $1,030 | -$462 | -31.0% |
| Oklahoma | $1,532 | $40 | 2.7% |
| Oregon | $1,366 | -$126 | -8.4% |
| Pennsylvania | $1,424 | -$68 | -4.6% |
| Rhode Island | $1,990 | $498 | 33.4% |
| South Carolina | $1,352 | -$140 | -9.4% |
| South Dakota | $1,258 | -$234 | -15.7% |
| Tennessee | $1,308 | -$184 | -12.3% |
| Texas | $1,796 | $304 | 20.4% |
| Utah | $1,104 | -$388 | -26.0% |
| Vermont | $1,022 | -$470 | -31.5% |
| Virginia | $894 | -$598 | -40.1% |
| Washington | $1,152 | -$340 | -22.8% |
| West Virginia | $1,368 | -$124 | -8.3% |
| Wisconsin | $1,032 | -$460 | -30.8% |
| Wyoming | $1,328 | -$164 | -11.0% |
With so much variability in rates, the only way to know who has the cheapest car insurance rates is to do a rate comparison from as many companies as possible. Every company uses a different rate calculation, and quoted rates can be significantly different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Volvo V50 2.4I | $1,446 | $121 |
| Volvo V50 AWD T5 R-Design | $1,534 | $128 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2010 Volvo V50 | $162 | $214 | $468 | $1,002 |
Rates are averaged for all Volvo V50 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Shop for Affordable Volvo V50 Insurance
Saving money on Volvo V50 insurance not only requires having a decent driving record, but also having a good credit score, eliminating unneeded coverage, and not having any coverage lapses. Set aside time to shop around at every policy renewal by requesting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
The following items are a brief review of the data raised in the charts and tables above.
- Drivers who purchase additional liability coverage will pay about $410 each year to go from a minimum limit to a 250/500 level
- Drivers can save around $180 per year simply by quoting online in advance
- Increasing deductibles could save as much as $650 each year
- 16 to 18-year-old drivers have the highest car insurance rates, costing as high as $455 per month if comprehensive and collision insurance is included
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.
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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.
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.
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,458 |
| 20 | $3,446 |
| 30 | $1,564 |
| 40 | $1,492 |
| 50 | $1,362 |
| 60 | $1,334 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,916 |
| $250 | $1,718 |
| $500 | $1,492 |
| $1,000 | $1,272 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,492 |
| 50/100 | $1,608 |
| 100/300 | $1,701 |
| 250/500 | $1,943 |
| 100 CSL | $1,646 |
| 300 CSL | $1,850 |
| 500 CSL | $1,999 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,808 |
| 20 | $5,478 |
| 30 | $3,306 |
| 40 | $3,228 |
| 50 | $3,078 |
| 60 | $3,050 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $80 |
| Multi-vehicle | $77 |
| Homeowner | $21 |
| 5-yr Accident Free | $114 |
| 5-yr Claim Free | $97 |
| Paid in Full/EFT | $71 |
| Advance Quote | $75 |
| Online Quote | $107 |
| Total Discounts | $642 |
Discounts are estimated and may not be available from every company or in every state.
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