Volvo V50 Insurance Rates

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

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

Michelle Robbins

Licensed Insurance Agent

Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...

Licensed Insurance Agent

UPDATED: Jun 4, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

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 including full coverage. Comprehensive costs around $336 a year, collision costs $626, and liability costs $372. Liability-only insurance costs as little as $438 a year, with high-risk driver insurance costing around $3,228. Teenage drivers pay the most at $5,458 a year or more.

Average premium for full coverage: $1,492

Premium estimates for type of coverage:

Comprehensive $336
Collision $626
Liability $372

Rates are based on $500 deductible amounts, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 U.S. states and V50 trim levels.

Insurance Price Range by Risk and Coverage

For a driver around age 40, insurance rates for a Volvo V50 go from as cheap as $438 for your basic liability-only policy to a high of $3,228 for a driver that may need high-risk insurance.

Liability Only $438
Full Coverage $1,492
High Risk $3,228

Insurance Price Range by Location

Your location can make a big difference on the price of insurance. Areas with sparse population are statistically proven to have fewer comprehensive and collision claims than densely populated cities.

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

Rural Areas $1,119
Small Cities $1,567
Large Cities $2,014

These rate differences highlight why it is important to compare rates for a specific zip code and their own personal driving habits, instead of making a decision based on average rates.

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 Information

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

  • The best discount rate is $850
  • Drivers who choose higher $1,000 deductibles will pay about $1,272 every year
  • The estimated rate for a 40-year-old good driver using $500 deductibles is $1,492
  • Using low $100 deductibles for comprehensive and collision insurance will cost $1,916
  • Drivers who are prone to accidents and violations could pay at least $3,228 or more
  • An auto insurance policy with full coverage for a 16-year-old driver can be $5,458 a year

View Chart as Image

Volvo V50 insurance cost comparison chart
Column chart showing full coverage Volvo V50 insurance rates range from $850 to $5,458

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

Older drivers with no violations or accidents and high physical damage deductibles may pay as low 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 are likely paying at least $1,800 to $2,400 additional annually, depending on your age. A high-risk auto insurance policy can cost from 44% to 135% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $650 annually, while buying higher liability limits will increase prices. Changing 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 $1,140 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $2,130 on average in Michigan, New York, and Louisiana.

Volvo V50 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,346 -$146 -9.8%
Alaska $1,146 -$346 -23.2%
Arizona $1,236 -$256 -17.2%
Arkansas $1,492 -$0 0.0%
California $1,698 $206 13.8%
Colorado $1,424 -$68 -4.6%
Connecticut $1,532 $40 2.7%
Delaware $1,690 $198 13.3%
Florida $1,866 $374 25.1%
Georgia $1,378 -$114 -7.6%
Hawaii $1,070 -$422 -28.3%
Idaho $1,010 -$482 -32.3%
Illinois $1,112 -$380 -25.5%
Indiana $1,122 -$370 -24.8%
Iowa $1,006 -$486 -32.6%
Kansas $1,418 -$74 -5.0%
Kentucky $2,034 $542 36.3%
Louisiana $2,208 $716 48.0%
Maine $920 -$572 -38.3%
Maryland $1,230 -$262 -17.6%
Massachusetts $1,194 -$298 -20.0%
Michigan $2,590 $1,098 73.6%
Minnesota $1,248 -$244 -16.4%
Mississippi $1,786 $294 19.7%
Missouri $1,322 -$170 -11.4%
Montana $1,602 $110 7.4%
Nebraska $1,176 -$316 -21.2%
Nevada $1,788 $296 19.8%
New Hampshire $1,074 -$418 -28.0%
New Jersey $1,666 $174 11.7%
New Mexico $1,320 -$172 -11.5%
New York $1,570 $78 5.2%
North Carolina $858 -$634 -42.5%
North Dakota $1,220 -$272 -18.2%
Ohio $1,030 -$462 -31.0%
Oklahoma $1,532 $40 2.7%
Oregon $1,366 -$126 -8.4%
Pennsylvania $1,424 -$68 -4.6%
Rhode Island $1,990 $498 33.4%
South Carolina $1,352 -$140 -9.4%
South Dakota $1,258 -$234 -15.7%
Tennessee $1,308 -$184 -12.3%
Texas $1,796 $304 20.4%
Utah $1,104 -$388 -26.0%
Vermont $1,022 -$470 -31.5%
Virginia $894 -$598 -40.1%
Washington $1,152 -$340 -22.8%
West Virginia $1,368 -$124 -8.3%
Wisconsin $1,032 -$460 -30.8%
Wyoming $1,328 -$164 -11.0%

View Chart as Image

Volvo V50 insurance rates by U.S. city

With such a large range in prices, the best way to figure out your exact price is to get quotes from multiple companies. Every company uses a different method to calculate prices, and prices will be substantially different between companies.

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 $1,446 $121
Volvo V50 AWD T5 R-Design $1,534 $128

Rates assume 2025 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 $166 $238 $474 $1,036

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 Buy the Best Cheap Volvo V50 Insurance

Finding better rates on insurance for a Volvo V50 not only requires having a good driving record, but also having good credit, refrain from filing small claims, and taking advantage of discounts. Set aside time to compare rates once a year by quoting rates from direct car insurance companies, and also from your local independent and exclusive agents.

The next list is a quick review of the data that was covered above.

  • You may be able to save up to $180 per year simply by quoting early and online
  • Insureds who may need increased levels of liability coverage will pay an extra $410 per year to go from 30/60 bodily injury limits to higher 250/500 limits
  • Drivers age 20 and younger are charged the highest prices, with the cost nearing $455 per month if they have full coverage
  • Drivers considered higher risk with a DUI or reckless driving violation may pay on average $1,740 more every year to buy Volvo V50 insurance

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.

Free Car Insurance Comparison

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

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 $5,458
20 $3,446
30 $1,564
40 $1,492
50 $1,362
60 $1,334

Full coverage, $500 deductibles

Rates by Deductible

Volvo V50 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,916
$250 $1,718
$500 $1,492
$1,000 $1,272

Full coverage, driver age 40

Rates by Liability Limit

Volvo V50 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,492
50/100 $1,608
100/300 $1,701
250/500 $1,943
100 CSL $1,646
300 CSL $1,850
500 CSL $1,999

Full coverage, driver age 40

Rates for High Risk Drivers

Volvo V50 Insurance Rates for High Risk Drivers
Age Premium
16 $7,808
20 $5,478
30 $3,306
40 $3,228
50 $3,078
60 $3,050

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 $209

Potential Rate Discounts

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

Discount Savings
Multi-policy $80
Multi-vehicle $77
Homeowner $21
5-yr Accident Free $114
5-yr Claim Free $97
Paid in Full/EFT $71
Advance Quote $75
Online Quote $107
Total Discounts $642
Rate after discounts $850

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

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

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

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles