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 insurance prices for a Volvo V50 are $1,492 every 12 months for full coverage insurance. Comprehensive insurance costs approximately $336 a year, collision insurance costs $626, and liability coverage is $372. Liability-only insurance costs around $438 a year, and high-risk driver insurance costs $3,228 or more. Teenage drivers pay the most at up to $5,458 a year.

Average premium for full coverage: $1,492

Premium estimates by type of coverage:

Prices are based on $500 policy deductibles, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 states and V50 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a large influence on the price of auto insurance. Rural locations are statistically proven to have more infrequent physical damage claims than densely populated cities. The diagram below illustrates how your location can change auto insurance prices.

These rate differences illustrate why it is important to compare rates quotes using their specific location and their own driving history, rather than using average rates.

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

More Rate Information

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

• The best discount rate is $850
• Raising to $1,000 deductibles will save $1,272 each year
• The average price for a 40-year-old good driver who chooses $500 deductibles is $1,492
• Using low $100 deductibles costs an extra $424 each year
• Unlucky drivers who are prone to accidents and violations could pay around $3,228
• An auto insurance policy to insure a teenage driver can cost $5,458

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Insurance prices for a Volvo V50 also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the model of your V50.

Using high physical damage deductibles can reduce prices by up to $650 a year, while buying higher liability limits will push prices upward. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $335 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles may only pay around $1,400 every 12 months on average, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers should be prepared to pay in the ballpark of $5,400 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are probably paying anywhere from $1,800 to $2,400 additional annually, depending on your age. A high-risk auto insurance policy is expensive and can cost around 44% to 135% more than a normal policy. View High Risk Driver Rates

Where you choose to live also has a big influence on Volvo V50 insurance rates. A middle-age driver might find prices as low as $980 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $2,010 on average in Florida, New York, and Michigan.

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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 Shop for Affordable Volvo V50 Insurance

Finding better rates on auto insurance consists of being a good driver, having above-average credit, paying for small claims out-of-pocket, and consideration of higher deductibles. Invest the time to shop around every year by getting quotes from direct insurance companies, and also from local insurance agencies.

The following list is a brief review of the coverage data illustrated above.

• It is possible to save around $180 per year just by quoting early and online
• Increasing policy deductibles could save as much as $650 each year
• Drivers age 16 to 20 are the costliest to insure, with premiums being up to $455 per month if full coverage is included
• Drivers with DUI or reckless driving convictions may have to pay on average $1,740 more per year than a safer driver

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.

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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.