Volvo V50 Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 4, 2023

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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.

U.S. average insurance rates for a Volvo V50 are $1,112 a year for full coverage insurance. Comprehensive costs around $190, collision costs $286, and liability coverage costs $478. Liability-only coverage costs as little as $526 a year, with high-risk coverage costing around $2,400. Teen drivers pay the highest rates at $4,410 a year or more.

Average premium for full coverage: $1,112

Price estimates for individual coverage:

Comprehensive $190
Collision $286
Liability $478

Price estimates include $500 policy deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 states and for all V50 models.

Price Range from Low to High

For a driver around age 40, Volvo V50 insurance prices go from the low end price of $526 for liability-only coverage to the much higher price of $2,400 for a high-risk insurance policy.

Liability Only $526
Full Coverage $1,112
High Risk $2,400

Geographic Price Range

Your location has a large influence on car insurance rates. Areas with sparse population have lower incidents of physical damage claims than larger metro areas.

The example below illustrates the difference between rural and urban areas on auto insurance rates.

Rural Areas $834
Small Cities $1,168
Large Cities $1,501

The ranges above illustrate why everyone should compare rates for a specific zip code, rather than using price averages.

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

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Additional Charts and Tables

The chart below illustrates estimated Volvo V50 insurance rates for additional coverage choices and driver risks.

  • The lowest rate with discounts is $663
  • Drivers who choose higher $1,000 deductibles will pay about $108 each year
  • The estimated price for the average middle-age driver using $500 deductibles is $1,112
  • Choosing pricier low deductibles for comprehensive and collision insurance bumps up the cost to $1,320
  • High-risk insureds with multiple violations and an at-fault accident could pay at least $2,400 or more
  • The price that insures a teenage driver for full coverage can be $4,410 a year

View Chart as Image

Volvo V50 insurance cost comparison chart
Column chart showing full coverage Volvo V50 insurance rates range from $663 to $4,410

Auto insurance prices for a Volvo V50 are also quite variable based on the model of your V50, your age and driving record, and deductibles and policy limits.

If you have some driving violations or you caused an accident, you are probably paying at least $1,300 to $1,900 in extra premium each year, depending on your age. Volvo V50 insurance for high-risk drivers can cost around 43% to 130% more than average. View High Risk Driver Rates

A more mature driver with a good driving record and higher comprehensive and collision deductibles may only pay around $1,000 per year on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will have to pay as much as $4,400 a year. View Rates by Age

The state you live in makes a big difference in Volvo V50 insurance rates. A 40-year-old driver could pay as low as $730 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,500 on average in Michigan, New York, and Florida.

Volvo V50 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,006 -$106 -9.5%
Alaska $854 -$258 -23.2%
Arizona $924 -$188 -16.9%
Arkansas $1,112 -$0 0.0%
California $1,266 $154 13.8%
Colorado $1,064 -$48 -4.3%
Connecticut $1,142 $30 2.7%
Delaware $1,258 $146 13.1%
Florida $1,392 $280 25.2%
Georgia $1,026 -$86 -7.7%
Hawaii $798 -$314 -28.2%
Idaho $752 -$360 -32.4%
Illinois $830 -$282 -25.4%
Indiana $838 -$274 -24.6%
Iowa $750 -$362 -32.6%
Kansas $1,058 -$54 -4.9%
Kentucky $1,516 $404 36.3%
Louisiana $1,644 $532 47.8%
Maine $686 -$426 -38.3%
Maryland $916 -$196 -17.6%
Massachusetts $890 -$222 -20.0%
Michigan $1,932 $820 73.7%
Minnesota $930 -$182 -16.4%
Mississippi $1,332 $220 19.8%
Missouri $986 -$126 -11.3%
Montana $1,196 $84 7.6%
Nebraska $878 -$234 -21.0%
Nevada $1,332 $220 19.8%
New Hampshire $800 -$312 -28.1%
New Jersey $1,244 $132 11.9%
New Mexico $984 -$128 -11.5%
New York $1,170 $58 5.2%
North Carolina $640 -$472 -42.4%
North Dakota $910 -$202 -18.2%
Ohio $768 -$344 -30.9%
Oklahoma $1,142 $30 2.7%
Oregon $1,018 -$94 -8.5%
Pennsylvania $1,060 -$52 -4.7%
Rhode Island $1,484 $372 33.5%
South Carolina $1,006 -$106 -9.5%
South Dakota $938 -$174 -15.6%
Tennessee $974 -$138 -12.4%
Texas $1,340 $228 20.5%
Utah $824 -$288 -25.9%
Vermont $762 -$350 -31.5%
Virginia $666 -$446 -40.1%
Washington $858 -$254 -22.8%
West Virginia $1,018 -$94 -8.5%
Wisconsin $770 -$342 -30.8%
Wyoming $990 -$122 -11.0%

View Chart as Image

Volvo V50 insurance rates by U.S. city

Choosing high deductibles could save up to $320 a year, whereas buying more liability protection will increase prices. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $430 extra every year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to figure out your exact price is to regularly compare prices and see how they stack up. Every company uses a different rate calculation, and quoted prices may be quite different.

Insurance Rates by Trim Level and Model Year

Volvo V50 Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Volvo V50 2.4I $1,090 $91
Volvo V50 AWD T5 R-Design $1,134 $95

Rates assume 2010 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.

Volvo V50 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2010 Volvo V50 $190 $286 $478 $1,112

Rates are averaged for all Volvo V50 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Find Cheaper Volvo V50 Insurance

Getting lower rates on auto insurance not only requires being safe and accident-free, but also maintaining a good credit score, not filing small claims, and maximizing policy discounts. Shop around at least every other year by requesting quotes from direct insurance companies, and also from insurance agencies where you live.

Below you'll find a condensed summary of the car insurance concepts covered above.

  • Drivers with multiple at-fault accidents could be forced to pay on average $1,290 more every year than a low-risk driver
  • It is possible to save up to $130 per year simply by quoting online well ahead of the renewal date
  • Increasing physical damage deductibles can save approximately $325 each year
  • Consumers who may need more liability protection will pay about $530 annually to go from a low limit to the 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.

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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.

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.

Rates by Driver Age

Volvo V50 Insurance Rates by Driver Age
Driver Age Premium
16 $4,410
20 $2,552
30 $1,136
40 $1,112
50 $1,020
60 $998

Full coverage, $500 deductibles

Rates by Deductible

Volvo V50 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,320
$250 $1,224
$500 $1,112
$1,000 $1,004

Full coverage, driver age 40

Rates by Liability Limit

Volvo V50 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,112
50/100 $1,230
100/300 $1,349
250/500 $1,660
100 CSL $1,277
300 CSL $1,540
500 CSL $1,732

Full coverage, driver age 40

Rates for High Risk Drivers

Volvo V50 Insurance Rates for High Risk Drivers
Age Premium
16 $6,236
20 $4,072
30 $2,428
40 $2,400
50 $2,296
60 $2,274

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $152

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $57
Multi-vehicle $60
Homeowner $19
5-yr Accident Free $72
5-yr Claim Free $71
Paid in Full/EFT $43
Advance Quote $51
Online Quote $76
Total Discounts $449
Rate after discounts $663

Discounts are estimated and may not be available from every company or in every state.

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