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 costs around $336 a year, collision insurance costs $626, and liability costs $372. A policy with just liability insurance costs as little as $438 a year, and coverage for high-risk drivers costs around $3,228. 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:

Prices are based on $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all states and V50 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location can make a big difference on auto insurance rates. Areas with sparse population tend to have more infrequent accident claims than larger metro areas. The diagram below illustrates the effect of geographic area on auto insurance rates.

These examples show why it is important to compare rates for a specific zip code and their own driving history, instead of making a decision based on price averages.

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 choices and driver risks.

• The lowest rate with discounts is $850
• Drivers who choose higher $1,000 deductibles will pay about $1,272 a year
• The average price for a 40-year-old driver using $500 deductibles is $1,492
• Choosing low $100 deductibles for comprehensive and collision insurance increases the price to $1,916
• Drivers with multiple violations and an at-fault accident could pay at least $3,228
• The cost to insure a 16-year-old driver can be $5,458 a year

View Chart as Image

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 could save up to $650 annually, while buying higher liability limits will increase rates. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $335 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles may pay as low as $1,400 per year on average for full coverage. Rates are highest for teen drivers, since even excellent drivers should be prepared 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 additional per year, depending on your age. A high-risk auto insurance policy can cost from 44% to 135% more than average. View High Risk Driver Rates

Where you live makes a big difference in Volvo V50 insurance prices. A 40-year-old driver could pay 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.

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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 Affordable Volvo V50 Insurance

Saving money on insurance for a Volvo V50 not only requires avoiding accidents and violations, but also having above-average credit, eliminating unneeded coverage, and deciding if full coverage is necessary. Take the time to compare rates at least every other year by quoting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The list below is a brief review of the car insurance concepts covered in the above illustrations.

• Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,740 more every year for car insurance
• Drivers can save up to $180 per year just by quoting early and online
• Increasing deductibles could save as much as $650 each year
• Insureds who may need higher liability limits will pay about $410 each year to go from a minimum limit to a 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.

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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.