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 insurance rates for a Volvo V50 are $1,492 a year including full coverage. Comprehensive insurance costs on average $336, collision insurance costs $626, and liability coverage costs around $372. A liability-only policy costs as low as $438 a year, and high-risk insurance 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 by type of insurance:

Prices are based on $500 deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and for all V50 models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on car insurance rates. Rural areas are shown to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion. The example below illustrates the effect of geographic area on car insurance rates.

The examples above highlight why everyone should compare prices based on a specific location and risk profile, rather than using averaged prices.

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

Additional Rate Information

The chart below breaks down average Volvo V50 insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $850
• Using higher $1,000 deductibles will save around $220 every year
• The average rate for a good driver age 40 with $500 deductibles is $1,492
• Selecting pricier low deductibles for physical damage coverage will cost an extra $424 each year
• Higher-risk drivers with serious driving violations could pay upwards of $3,228
• Policy cost for full coverage for a teenage driver for full coverage may cost $5,458 or more

View Chart as Image

Car insurance rates for a Volvo V50 also range considerably based on your risk profile, the model of your V50, and policy deductibles and limits.

A more mature driver with no driving violations and high deductibles may only pay around $1,400 a year, or $117 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged upwards of $5,400 a year. View Rates by Age

Your home state has a huge impact on Volvo V50 insurance rates. A driver around age 40 might see rates as low as $1,140 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $2,130 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $650 a year, whereas buying more liability protection will cost you more. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $335 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying at a minimum $1,800 to $2,400 extra every year, depending on your age. Volvo V50 insurance for high-risk drivers can be around 44% to 135% more than the average policy. View High Risk Driver Rates

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 Find Affordable Volvo V50 Insurance

Finding cheaper rates on auto insurance requires not taking risks behind the wheel, having above-average credit, paying for small claims out-of-pocket, and possibly raising deductibles. Take the time to compare rates every couple of years by requesting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The following is a brief review of the material that was covered in the above illustrations.

• Consumers who require higher liability limits will pay approximately $410 per year to increase from a 30/60 limit to 250/500 limits
• Teens are expensive to insure, with premiums being up to $455 each month if full coverage is included
• Drivers with DUI or reckless driving convictions may pay on average $1,740 more each year for V50 insurance
• Increasing comprehensive and collision deductibles can save around $650 each year

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
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• 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.