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 auto insurance rates for a Volvo V50 are $1,492 annually for full coverage. Comprehensive insurance costs an estimated $336 a year, collision insurance costs $626, and liability is estimated at $372. Buying just liability costs approximately $438 a year, and insurance for high-risk drivers costs $3,228 or more. Teens cost the most to insure at up to $5,458 a year.

Average premium for full coverage: $1,492

Policy rates broken down by type of insurance:

Rate estimates include $500 physical damage deductibles, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all states and V50 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on insurance rates. More rural locations are shown to have fewer accident claims than cities with more traffic congestion. The diagram below illustrates how your location can change insurance prices.

The examples above show why it is important to get quotes for a targeted area and their own personal driving habits, instead of making a decision based on averaged prices.

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

Additional Charts and Tables

The chart below shows average Volvo V50 insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $850
• Choosing higher $1,000 deductibles can save approximately $1,272 a year
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,492
• Selecting low $100 deductibles for comp and collision coverage costs an additional $424 annually
• Higher-risk drivers with serious driving violations could pay up to $3,228
• Policy cost with full coverage for a 16-year-old driver can cost as much as $5,458 each year

View Chart as Image

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

Older drivers with a clean driving record and high physical damage deductibles may pay as low as $1,400 annually on average, or $117 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they can expect to pay at least $5,400 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying $1,800 to $2,400 extra every year, depending on your age. A high-risk auto insurance policy ranges from 44% to 135% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can save as much as $650 annually, while buying higher liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $335 more per year. View Rates by Deductible or Liability Limit

Your home state plays a big part in determining prices for Volvo V50 insurance prices. A good driver about age 40 could pay as low as $980 a year in states like Iowa, Maine, and Idaho, or have to pay at least $2,130 on average in New York, Louisiana, and Michigan.

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 Buy the Best Volvo V50 Insurance

Finding cheaper rates on insurance for a Volvo V50 takes being a safe and courteous driver, having a good credit history, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Invest the time to shop around every year by quoting rates from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

Below is a brief recap of the coverage data illustrated above.

• Drivers can save approximately $180 per year just by quoting early and online
• Increasing comprehensive and collision deductibles could save up to $650 each year
• Teenage drivers are charged the highest rates, costing up to $455 each month including comprehensive and collision insurance
• Drivers considered higher risk who tend to receive serious violations may pay on average $1,740 more annually for auto 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
• Audi A4 Insurance Rates
• 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.