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.

Estimated insurance rates for a Volvo V50 are $1,492 a year for full coverage. Comprehensive insurance costs approximately $336 a year, collision insurance costs $626, and liability costs around $372. Liability-only coverage costs as low as $438 a year, and high-risk coverage costs $3,228 or more. Teens pay the most at up to $5,458 a year.

Average premium for full coverage: $1,492

Premium estimates by type of coverage:

Price estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all states and V50 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can have significant affects on car insurance rates. Rural locations are statistically proven to have lower incidents of accident claims than cities with more traffic congestion. The diagram below illustrates how geographic area affects auto insurance prices.

These rate differences show why it is important to compare prices using their specific location, instead of using averaged prices.

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

Additional Rate Details

The chart below shows average Volvo V50 insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $850
• Using higher $1,000 deductibles will save $1,272 a year
• The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,492
• Selecting low $100 deductibles for physical damage coverage will cost an additional $424 every year
• Drivers with serious driving violations could pay around $3,228
• An auto insurance policy that insures a teen driver can cost $5,458 or more

View Chart as Image

Insurance prices for a Volvo V50 also have a wide range based on the trim level of your V50, how you drive, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you could be paying anywhere from $1,800 to $2,400 extra annually, depending on your age. A high-risk auto insurance policy can be as much as 44% to 135% more than the average policy. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,400 a year, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records can expect to pay in the ballpark of $5,400 a year. View Rates by Age

Where you choose to live 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 Iowa, Maine, and Idaho, or have to pay at least $2,130 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $650 every year, while buying higher liability limits will push prices upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $335 more per year. View Rates by Deductible or Liability Limit

Insurance Rates by Trim Level and Model Year

Rates assume 2025 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 Cheaper Volvo V50 Insurance

Finding better rates on car insurance requires being safe and accident-free, having above-average credit, not filing small claims, and possibly raising deductibles. Compare rates at every other renewal by requesting rates from direct carriers, and also from insurance agencies where you live.

Below you'll find a condensed summary of the concepts that were presented in the illustrations above.

• Higher risk drivers with multiple at-fault accidents could be forced to pay on average $1,740 more per year than a low-risk driver
• Youthful drivers are expensive to insure, as much as $455 per month if full coverage is included
• Drivers can save around $180 per year just by quoting early and online
• Increasing policy deductibles can save approximately $650 each year
• Drivers can save around $180 per year just by quoting early and online

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.