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 prices for a Volvo V50 are $1,112 every 12 months for full coverage insurance. Comprehensive costs approximately $190 each year, collision costs $286, and liability insurance is $478. Liability-only insurance costs around $526 a year, with high-risk driver insurance costing around $2,400. Teens pay the highest rates at $4,410 a year or more.

Average premium for full coverage: $1,112

Price estimates by individual coverage:

Comprehensive $190
Collision $286
Liability $478

Prices include $500 physical damage deductibles, split liability limits of 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 states and V50 models.

Price Range from Low to High

Using a middle-aged driver as an example, Volvo V50 insurance prices go from the cheapest price of $526 for just liability insurance to a high rate of $2,400 for coverage for higher-risk drivers.

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

Geographic Price Range

Choosing to live in a large city has a significant impact on the price of auto insurance. Rural locations have more infrequent physical damage claims than cities with more traffic congestion.

The graphic below illustrates how where you live affects auto insurance prices.

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

The ranges above illustrate why all drivers should compare rates quotes using their specific location and their own driving history, rather than relying on averaged prices.

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.

More Rate Details

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

  • The cheapest rate after discounts is $663
  • Raising to $1,000 deductibles will save $108 each year
  • The average price for the average middle-age driver who chooses $500 deductibles is $1,112
  • Selecting low deductibles increases the price to $1,320
  • Higher-risk drivers with serious driving violations could pay around $2,400 or more
  • The price to insure a teen driver can cost $4,410

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

Car insurance prices for a Volvo V50 are also quite variable based on deductibles and policy limits, your risk profile, and the model of your V50.

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $320 each year, whereas increasing liability limits will push prices upward. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $430 extra every 12 months. View Rates by Deductible or Liability Limit

More mature drivers with no driving violations and higher deductibles could pay as little as $1,000 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will be charged in the ballpark of $4,400 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are probably paying anywhere from $1,300 to $1,900 extra each year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 43% to 130% more than the average policy. View High Risk Driver Rates

The state you live in also has a big influence on Volvo V50 insurance rates. A middle-age driver might find prices as low as $730 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,500 on average in Florida, New York, and Michigan.

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

Since prices can be so different, the only way to figure out who has the best car insurance prices is to do a rate comparison from as many companies as possible. Every auto insurance company calculates prices differently, so rate quotes 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 Shop for the Right Volvo V50 Insurance

Getting lower rates on Volvo V50 insurance consists of being a safe and courteous driver, maintaining a good credit score, not filing small claims, and avoiding coverage lapses. Take the time to comparison shop at least once a year by getting rate quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

Below is a quick rundown of the primary concepts that were touched on in the above illustrations.

  • It is possible to save around $130 per year simply by quoting online in advance
  • High-risk drivers with reckless driving or DUI convictions may have to pay on average $1,290 more per year for auto insurance
  • Increasing physical damage deductibles could save as much as $325 each year
  • Teenage drivers pay the highest auto insurance prices, as much as $368 a month if the policy includes full coverage

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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