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 prices for a Volvo V50 are $1,492 every 12 months for full coverage. Comprehensive insurance costs around $336, collision insurance costs $626, and liability coverage is $372. Buying just liability costs around $438 a year, and insurance for high-risk drivers costs $3,228 or more. 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:

Includes $500 policy deductibles, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all states and for different V50 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a large influence on auto insurance rates. Areas with sparse population tend to have more infrequent accident claims than larger metro areas. The price range example below illustrates the effect of geographic area on auto insurance rates.

These examples show why anyone shopping for car insurance should compare rates quotes for a specific zip code and their own driving history, rather than using price averages.

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 additional coverage choices and driver risks.

• The lowest rate with discounts is $850
• Raising to $1,000 deductibles will save about $220 a year
• The average price for a 40-year-old driver using $500 deductibles is $1,492
• Choosing more expensive low deductibles costs an extra $424 each year
• Unlucky drivers with multiple violations and an at-fault accident could pay at least $3,228
• The cost to insure a teenage driver with full coverage can be $5,458

View Chart as Image

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

Choosing high deductibles can reduce rates by up to $650 a year, while increasing your policy's liability limits will increase rates. 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

An older driver with a good driving record and higher deductibles may only pay around $1,400 every 12 months on average for full coverage. Rates are highest for teen drivers, since even excellent drivers will have to pay as much as $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 at least $1,800 to $2,400 in extra premium per year, depending on your age. High-risk driver insurance is expensive and can cost around 44% to 135% more than average. View High Risk Driver Rates

Where you live also has a big influence on Volvo V50 insurance rates. A middle-age driver might find rates 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

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 Cheapest Volvo V50 Insurance

Saving money on auto insurance consists of being safe and accident-free, having a good credit score, eliminating unneeded coverage, and possibly raising deductibles. Take the time to compare rates once a year by obtaining price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

Below you'll find a recap of the data that was covered in the above illustrations.

• Drivers can save up to $180 per year just by shopping early and online
• Consumers who may need more liability protection will pay about $410 each year to raise from a minimum limit to a 250/500 level
• Youthful drivers are expensive to insure, costing as high as $455 per month if comprehensive and collision insurance is included
• Drivers that have major violations or accidents may pay on average $1,740 more every year than a low-risk driver

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.

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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.