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 for full coverage. Comprehensive costs approximately $336 each year, collision insurance costs $626, and liability insurance is $372. Liability-only insurance costs around $438 a year, and high-risk driver insurance costs around $3,228. Teen drivers 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:

Full coverage includes $500 policy deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all states and V50 models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on car insurance rates. Rural locations are shown to have lower incidents of accident claims than larger metro areas. The graphic below illustrates the difference location can make on auto insurance prices.

The examples above show why all drivers should compare rates quotes using their specific location, rather than relying on price averages.

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

Rates by State, City, and Model

The chart below shows average Volvo V50 insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $850
• Raising to $1,000 deductibles will save $220 a year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,492
• Choosing low deductibles bumps up the cost to $1,916
• Higher-risk drivers with multiple violations and an at-fault accident could pay around $3,228
• Policy cost that insures a teen driver can cost $5,458

View Chart as Image

Auto insurance rates for a Volvo V50 also range considerably based on the trim level and model year, how you drive, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you could be paying anywhere from $1,800 to $2,400 in extra premium every year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 44% to 135% more than average. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,400 every 12 months on average, or $117 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will have to pay in the ballpark of $5,400 a year. View Rates by Age

Your home state also has a big influence on Volvo V50 insurance rates. A middle-age driver might find rates as low as $980 a year in states like Iowa, Maine, and Idaho, or as much as $2,130 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing high deductibles can reduce rates by up to $650 each year, whereas increasing liability limits will push rates upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $335 extra every year. View Rates by Deductible or Liability Limit

Insurance Rates by Trim Level and Model Year

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.

How to Find More Affordable Volvo V50 Insurance

Finding cheaper rates on Volvo V50 insurance consists of avoiding accidents and claims, maintaining a good credit score, avoid buying unnecessary coverage, and possibly higher deductibles. Shop around once a year by requesting quotes from direct carriers, and also from insurance agencies where you live.

The points below are a summary of the data that was touched on in this article.

• Drivers can save around $180 per year just by quoting online in advance
• Drivers who purchase increased liability limits will pay about $410 each year to raise from a 30/60 limit to the 250/500 level
• Drivers under the age of 20 have the highest car insurance rates, costing up to $455 each month if the policy includes full coverage
• High-risk drivers who have multiple accidents or major violations could be forced to pay on average $1,740 more per year to insure a Volvo 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.