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 auto insurance rates for a Volvo V50 are $1,492 annually with full coverage. Comprehensive insurance costs around $336 a year, collision insurance costs $626, and liability costs $372. Liability-only insurance costs as little as $438 a year, and high-risk driver insurance 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 for type of coverage:

Full coverage includes $500 physical damage insurance deductibles, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Rates include averaging for all U.S. states and V50 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can have significant affects on insurance rates. Areas with sparse population are statistically proven to have fewer collision claims than cities with more traffic congestion. The diagram below illustrates how where you live affects auto insurance rates.

These rate differences demonstrate why it is important to compare rates for a specific zip code and their own personal driving habits, instead of using averaged prices.

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

More Rate Information

The chart below details average Volvo V50 insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $850
• Drivers who choose higher $1,000 deductibles will pay about $1,272 annually
• The estimated rate for a 40-year-old good driver using $500 deductibles is $1,492
• Selecting low $100 deductibles for comprehensive and collision insurance costs an additional $424 every year
• Higher-risk drivers with serious driving violations could pay at least $3,228
• An auto insurance policy with full coverage for a teen driver can be $5,458 a year

View Chart as Image

Insurance prices for a Volvo V50 also have a wide range based on the model of your V50, your driving record, and deductibles and policy limits.

Older drivers with no violations or accidents and high physical damage deductibles may pay as little as $1,400 per year on average, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they should be prepared to pay as much as $5,400 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you may be forking out at least $1,800 to $2,400 additional annually, depending on your age. A high-risk auto insurance policy can cost as much as 44% to 135% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could save up to $650 every year, while buying higher liability limits will increase prices. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $335 more each year. View Rates by Deductible or Liability Limit

Where you choose to live makes a big difference in Volvo V50 insurance prices. A 40-year-old driver could pay as low as $1,070 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $2,010 on average in Florida, Michigan, 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 Buy More Affordable Volvo V50 Insurance

Finding better rates on car insurance not only requires being a low-risk driver, but also having good credit, being claim-free, and deciding if full coverage is necessary. Take the time to comparison shop every year by quoting rates from direct companies, and also from local exclusive and independent agents.

The items below are a summary of the coverage data touched on in the above illustrations.

• You may be able to save up to $180 per year just by quoting early and online
• Increasing policy deductibles could save up to $650 each year
• Teen drivers are charged the highest prices, possibly costing $455 per month if they have full coverage
• Higher risk drivers who have multiple accidents or major violations may pay on average $1,740 more every year to insure their V50

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
• Audi A4 Insurance Rates
• 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.