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 with full coverage. Comprehensive costs around $336, collision insurance costs $626, and liability coverage costs $372. A liability-only policy costs as little as $438 a year, and high-risk insurance costs around $3,228. Teenage 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:

Includes $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and for all V50 models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on insurance rates. Areas with sparse population are shown to have lower incidents of collision claims than densely populated cities. The example below illustrates the effect of geographic area on auto insurance rates.

The examples above demonstrate why everyone should compare rates for a specific zip code, rather than using average rates.

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

Additional Rate Analysis

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

• The best discount rate is $850
• Drivers who choose higher $1,000 deductibles will pay about $220 annually
• The estimated price for a good driver age 40 using $500 deductibles is $1,492
• Using pricier low deductibles for comprehensive and collision insurance bumps up the cost to $1,916
• High-risk insureds who are prone to accidents and violations could pay at least $3,228
• Policy cost that insures a teenage driver for full coverage can be $5,458 a year

View Chart as Image

Car insurance rates for a Volvo V50 also range considerably based on the model of your V50, your age and driving habits, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you may be forking out at least $1,800 to $2,400 extra every year, depending on your age. Volvo V50 insurance for high-risk drivers can cost around 44% to 135% more than a normal policy. View High Risk Driver Rates

A more mature driver with no driving violations and higher comprehensive and collision deductibles may only pay around $1,400 per year on average, or $117 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will be charged as much as $5,400 a year. View Rates by Age

Your home state makes a big difference in Volvo V50 insurance rates. A 40-year-old driver could pay as low as $1,070 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $2,010 on average in Florida, Michigan, and New York.

View Chart as Image

Using high physical damage deductibles could save up to $650 a year, whereas buying more liability protection will increase rates. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by 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 the Cheapest Volvo V50 Insurance

Finding cheaper rates on auto insurance not only requires having a decent driving record, but also having a positive credit history, not filing small claims, and consideration of higher deductibles. Compare prices at least every other year by getting rate quotes from direct companies, and also from your local independent and exclusive agents.

The following items are a recap of the car insurance concepts covered in the above illustrations.

• Drivers that have major violations or accidents may pay on average $1,740 more every year than a driver with a clean driving record
• You may be able to save up to $180 per year just by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save approximately $650 each year
• Consumers who may need additional liability coverage will pay an extra $410 every year to go from a 30/60 limit to the 250/500 level

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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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.