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 insurance. Comprehensive insurance costs approximately $336 a year, collision insurance costs $626, and liability insurance costs around $372. Liability-only insurance costs as low as $438 a year, and high-risk driver insurance costs $3,228 or more. 16-year-old drivers cost the most to insure at up to $5,458 a year.

Average premium for full coverage: $1,492

Policy rates by type of insurance:

Includes $500 deductible amounts, 30/60 liability coverage, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and V50 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on the price of auto insurance. Rural locations are shown to have fewer physical damage claims than congested cities. The diagram below illustrates how location helps determine auto insurance prices.

The examples above illustrate why it is important to compare prices using their specific location and their own personal driving habits, rather than relying on rate averages.

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

Additional Rate Details

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

• The best full coverage rate is $850
• Using higher $1,000 deductibles will save $1,272 each year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,492
• Buying low $100 deductibles for physical damage coverage costs an additional $424 a year
• Drivers with multiple tickets or accidents could pay around $3,228
• Policy cost with full coverage for a teen driver can cost $5,458 or more

View Chart as Image

Auto insurance rates for a Volvo V50 also range considerably based on the model year and trim level, your risk profile, and physical damage deductibles and liability limits.

Older drivers with a good driving record and high physical damage deductibles could pay as little as $1,400 a year, or $117 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will have to pay in the ballpark of $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 are probably paying anywhere from $1,800 to $2,400 in extra premium every year, depending on your age. A high-risk auto insurance policy can be anywhere from 44% to 135% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could cut rates by as much as $650 each year, while buying higher liability limits will push rates upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $335 extra every year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Volvo V50 insurance rates. A driver around age 40 might see rates as low as $980 a year in states like North Carolina, Wisconsin, and Vermont, or at least $2,010 on average in Florida, New York, 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 Cheapest Volvo V50 Insurance

Finding cheaper rates on Volvo V50 insurance requires having a good driving record, having above-average credit, being claim-free, and possibly higher deductibles. Invest time comparing rates every year by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The next list is a recap of the coverage data covered in the charts and tables above.

• It is possible to save around $180 per year just by quoting early and online
• Increasing comprehensive and collision deductibles could save up to $650 each year
• Drivers age 20 and younger have the highest car insurance rates, possibly costing $455 each month if full coverage is included
• High-risk drivers that have major violations or accidents could be forced to pay on average $1,740 more per year to buy Volvo V50 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.

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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.